| Here you can gain knowledge, receive coaching & mentoring along with supporting financial products to make your retirement goals happen. |
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| Robert Fulton CLU ChFC President |
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Were you doing a Google search for the best financial planner in the world for you. If so, you found the right place to make that connection. Well, it is not the guy in the photo to the left, in case you thought I was so bold and arrogant. While there are exceptions to everything, hopefully when you looked in the mirror this morning you saw the “best financial planner” in the world for you. The sooner you embrace this belief the sooner you will find yourself on the right path. The pursuit of a “magic bullet” person to advise you and fix everything for you was a “fool’s errand.” You need to accept the accountability and control of your own destiny by being your own financial planner. You are the only one who truly cares the most about your success. Success starts here with a few hours of coaching and mentoring from me, Robert Fulton. I work as a Fiduciary under the law, helping providing suitable program and product (FIAs and SPIAs) support for retirement plans.
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| Set a waypoint to get where you want to be. |
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| Navigation through the decision-making fog without an experienced mentor, as a sounding board, can be more than just overwhelming. The more options we have the more challenging it is to select your most effective path. Knowing what we want is just the first part, then figuring out how to get there and how to keep it is not for the weak and mediocre. I aways say, “if bulls had no horns everyone would be a matador.” I can help you clarify if it is better for you draw social security income early or wait; decide on the best asset allocation for your portfolio in this challenging period. Teach you how to make your money last longer by implementing capital retention and risk management strategies, avoiding costly mistakes. We can establish a plan with the best blend for the growth of your nest egg and the production of income for you. Then together, monitor the plan through the ever-changing economic conditions that we are going to be facing.
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Learn from a Case Study: I italicized a couple of my buzz words above which are key concepts to the financial planning process. I have started and will share with you, as soon as it is done, a "real" case study of a couple approaching early retirement. You can come back in the near future and find "Case Study #2" in the button column to the right to learn about these subjects, and more. I do not have a link set up yet in the text, so you must actually click the blue and white button in the top right of the website. The case study will walk you through their step-by-step decision-making process, starting with, whether or not they can actually afford to retire early or should wait. Selection of their pension options and when and how to use their social security resources. Dealing with questions like how much money will they need in retirement, how long will it last. How to implement a capital retention strategy, which allows you to essentially live on interest income and avoid the common and traditional capital depletion-planning often called our "spend-down period." I will share the process of designing a plan to manage their risk (as they perceive it) of living too long, the potential of huge long-term care expenses when they get older, and of course that of inflation. Then that all important subject of asset allocation for investment in their portfolio, and the possible use, as part of that the blend of FIA's (for nest egg growth) and SPIAs (for providing monthly income) an also Life Insurance. If and as needed, may involve the installation, by me, of suitable product/programs which I specialize in, and for which I would receive a commission. Below is a short explanation of what these are.
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Fixed Indexed Annuities (FIA): A hybrid contract offering the best of two worlds. The features of a Fixed Annuity for its protection of your principal from market downturns combined with most of the market growth potential of a Variable Annuity. This can allow you to capture over time the lion’s share of market profits without the direct exposure to loss from being in the stock market. This program essentially thrives in periods of stock market volatility. With the market still near an all-time high, I, like many, predict major volatility is headed our way. Therefore, I see these as a real opportunity, and these have been one to the two main focuses of my practice.
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Single Premium Immediate Annuities (SPIA): Take advantage of the high-rate period we still are in to lock in for yourself an attractive pension like income payout that you can never out live. SPIAs are superior to any other method for providing the most dependable level on-going income in any period, received electronically to your checking account like clockwork. For married couples (joint annuitants) when the first one dies the survivor simply continues to receive the income uninterrupted. Just ask for a proposal quote to be emailed you will be pleasantly surprised.
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| Robert Fulton, CLU, ChFC Broker License number(s): WA: 14244 OR: 667744 AZ: 667744Fulton Financial Consultants, Inc. Corp License number: WA 14241Office: 425-822-5600 Cell Phone: (206)-240-2267 Home: (360)-222-3236Email: rfulton@fultonfinancial.comWebsite: www.fultonfinancial.com
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