New for 2022! Designed specifically for adults at a stage in life where complex decisions can have a profound impact, this live 2-hour crash course on Retirement, Social Security, Taxes and Estate Planning is a perfect primer for your retirement journey.
Whether you are completely new to retirement planning or have been planning your future for years, there is always something new you can learn from our interactive workshops!
This value packed intensive training is FREE and includes:
How long will you work?
Death of a spouse/significant other
Nursing home/Long-term care
Impact of Interest rates/Inflation
Stock & Bonds
Broker vs Fiduciary
Stocks & Bonds
Social Security Benefits
“What if I can't attend the live webinar, but still want to take this course?”
You don't have to be present for the live webinar to get all the benefits from this awesome intensive training. Enroll and watch the replay video at your convenience - you'll receive the entire presentation via email. We know your life is busy, and we designed this program to work within your schedule.
Over four decades of helping state employees, public educators, and federal employees with their retirement benefits is a point of pride for Johnny. He and his team travel nationally providing benefits educational seminars for CPAs, Attorneys, Insurance Agents, and Financial Professionals.
Johnny is able to discuss all the federal benefits programs available with employees and family members – both active and retired.
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May 24, 2022 Planning Your Retirement: Things You Need To Know
Fixed annuities guarantee that your money will earn at least a minimum interest rate. Fixed annuities may earn interest at a rate higher than the minimum but only the minimum rate is guaranteed. The issuer of the annuity sets the rates.
Variable annuities earn investment returns based on the performance of the investment portfolios, known as “subaccounts,” where you choose to put your money. Your investment choices likely will include subaccounts with different types and levels of risk. Your choices will affect the return that you earn on your annuity. Subaccounts generally have no guaranteed return; however, you may have the option of placing some of your money in a fixed-rate account, with a rate that won’t change for a set period. There is no guarantee that the values of the subaccounts will increase. If the subaccount values go down, you may end up with less money in your annuity than you paid into it. These products are subject to various charges and expenses, such as sales charges, administrative charges, mortality and expense charges, and surrender charges. Investment advisory services are offered through Horter Investment Management, LLC, an SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Horter Financial Strategies, LLC. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.
Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Low Risk or Low Volatility strategies are generally defined as strategies that have a 10-year maximum drawdown of less than 10%. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.
Past performance is no guarantee of future results. Investments are subject to risk, including market and interest rate fluctuations. Investors can and do lose money.