Podcasts about worryfree retirement

Step 3 of the WorryFree Retirement process: Committing to a Game Plan.

Are you considering retirement within the next five years? If so, you already know that the clock is ticking. Hopefully, you're on the right track and planning as you should. Unfortunately, what so many soon-to-be retirees aren't planning is all the careful calculating and financial preparation it takes to retire strategically. This week on the David Lukas Show, our host David of David Lukas Financial talks about how too many people are risking more than they should or are comfortable with. Throughout the hour explains how following the five critical steps, listed below, can help safeguard your hard earned retirement funds and future happiness.     David's Five Critical Steps everyone should be taking before retiring: Know the tax efficient strategies that could help you save thousands of dollars in retirement How to claim your Social Security and avoid catastrophe Implement the successful strategies to generate income, after retirement, while minimizing your financial risk Take your RMDs (Required Minimum Distributions) as you should Don't leave any benefits owed to you by Social Security behind Interested in hearing David discuss all the important information above? Listen to the entire show today! Want to know about The DLF Retirement Advantage™ Process?  CLICK HERE! ----------------------------------------------------------------- David Lukas Financial is planning its next  Maximizing Your Social Security Course. You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability for upcoming October classes. ----------------------------------------------------------------- The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) ----------------------------------------------------------------- Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Ignoring the importance of tax diversification will turn your taxes into a timebomb—after retirement— if you don't plan properly. Sadly, what many retirees don't know is that there is a big difference between tax planning and tax preparation. Instead, americans do the same thing every year...after year...after year. They pay the maximum in taxes when they don't have to. This week on the David Lukas Show, David talks about David Walker (a former Comptroller General...basically the CPA of the Fed, head of the Government Accountability Office under Bush and Clinton) and his knowledge of our national debt. According to Walker,“We've (speaking of the fed) promised way more than we can deliver.” Throughout the hour David discusses the many different ways you can save for retirement and how there are ways to LEGALLY safeguard your retirement when taxes do inevitably rise. To hear all of David's useful advice on how to effectively diversify your portfolio in preparation for taxes after retirement, listen to the entire show today!   David Lukas Financial's recent blog post that's mentioned in today's show: The Four Letter Word That Will Derail Your Retirement And How To Fix It If any one of these tax issues  were placed before you, would you be prepared? David Lukas Financial specializes in strategies designed to help you prepare for uncertainty in retirement. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas. ------------------------------------------------------------------------- Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today. ------------------------------------------------------------------------- The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) ------------------------------------------------------------------------- Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, to Learn More About The DLF Retirement Advantage Process™. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

When it comes to claiming your Social Security (SS) benefits, it's important to know all the facts. There are many rules and details most soon to be retirees don't know until the wrong decisions have been made and it's already too late. And because we get misinformation from unreliable resources it's time to get the facts straight. This week on the David Lukas Show, David talks about important and surprising things you may not know about claiming your Social Security benefits— after retirement. Throughout the hour, David discusses many of the preconceived ideas soon-to-be retirees/ retirees may currently have that can truly DAMAGE their overall retirement plan. Important points touched upon in today's show: More than 10 billion dollars of SS benefits go unclaimed EVERY year Up to 85% of your SS benefits can be subject to taxation How important it is to stay below the taxable thresholds If retirees plan right, they can avoid unnecessary taxation on SS benefits How the govts calculations of provisional income defines how my you'll owe in taxes Why you run out of retirement money 5-7 years faster if your SS benefits get taxed to the max What you can do if you've already started to claim your SS benefits and you want to make some changes What spousal benefits are and how to plan claims appropriately Important keys to boosting your SS benefits To hear all the the important information David Lukas, of David Lukas Financial, discussed in today's show, listen to the entire episode today. ------------------------------------------------------------------- FORBES article about Social Security discussed in today's show: How Social Security Misleads About Claiming Benefits If any one of these Social Security issues  were placed before you, would you be prepared? David Lukas Financial specializes in strategies designed to help you prepare for uncertainty in retirement. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas. ------------------------------------------------------------------- Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financialat 501-218-8880 or email davidlukas@davidlukasfinancial.com today. ------------------------------------------------------------------- The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) ------------------------------------------------------------------- Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today. ------------------------------------------------------------------- Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, to Learn More About The DLF Retirement Advantage Process™. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

For many, the company offered 401K or traditional IRA is what's there and waiting for them after retirement. What these hopeful retirees aren't expecting is the huge tax tumor buried within. With the tax rate destined to climb in the near future, there's so much more at risk than you think. But what if you didn't have to worry? What if you set yourself up with a WorryFree Retirement®. On today's show, our host David Lukas of David Lukas Financial talks about what you need to know about government qualified plans after retirement and what you need to do to protect your hard earned funds beforehand.     Throughout the hour David talks about the five things you MUST KNOW about your IRA and 401k. Taxes. Taxes must be paid and the penalties that may occur if not done correctly could be enough to make you broke. RMDs. Required Minimum Distributions are necessary. Huge penalties can occur if you don't prepare for them. Roth IRAs are tax free and better than a savings account, for many reasons. Rolling your 401k into a Roth may be a great option for you. Tax diversification is key. Know what you're paying on what. With the new Trump Tax Plan, you could save HUGE amounts of money this year. Taking advantage of this plan is paramount.   To hear all of the excellent information David Lukas of David Lukas Financial has about eliminating tax risks on your retirement portfolio, listen to the entire show today. ------------------------------------------------------------ Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today. ------------------------------------------------------------ The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today. ------------------------------------------------------------ Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, to Learn More About The Retirement Advantage Process™. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

When it comes to the amount of risk your retirement portfolio is under, less is better. But when you're continuously sold the idea that risk is necessary to achieve the gains you want what's a Saver to do? First, you have to know your risk tolerance. (Risk tolerance is the grade of variability in investment returns that an investor is willing to withstand or lose.) Second, your risk capacity needs to be measured. (Risk capacity is an objective measurement of the amount of risk you need to take in order to meet your established financial goals. Risk capacity can also be used to analyse the influence of any risk development on your current portfolio's ability to meet your future financial obligations.) Only then can you proceed with confidence.   This week on the David Lukas Show, David talks about how asset allocation could be the single most important factor in planning your retirement responsibly. And as in all things in life, there's a right way and a wrong way to diversify your portfolio. Throughout the hour, David talks about: The importance of Tax planning Real estate options as investments Products that contain LESS risk Sequence of return risk How to measure your tolerance for risk How to measure your risk capacity   To hear all of the excellent information David Lakas of David Lukas Financial has about eliminating your capacity for risk, listen to the entire show today.   ---------------------------------------------------------------------- Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today. ----------------------------------------------------------------------   David Lukas Financial is now accepting reservations for the March Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for March's classes. Upcoming Classes Available: Thursday, March 29, 2018 6:00 PM Friday, March 30, 2018 6:00 PM   MORE DATES COMING SOON! HELD AT THE HAMPTON INN: 11920 MAUMELLE BLVD, MAUMELLE, ARKANSAS 72113 CLICK HERE TO REGISTER TODAY!   -------------------------------------------------------------- The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas)   --------------------------------------------------------------   Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today. -------------------------------------------------------------- Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Wall Street took quite a ride the first week of February dropping to an alarming 4.6%—losing trillions of dollars in market value in a matter of days. So what do you do now to protect your retirement money and investments? Is the party finally over for the longest running Bull Market in history? Who knows. If it is, are you willing to take the RISK?   Today, on the David Lukas show, David talks about the recent turbulence investors inevitably experienced during the recent market drop. Throughout the hour David offers the kind of sound and practical advice needed and the steps Savers can take to help protect their assets from a volatile down market. Products that protect your money Steps necessary to retire WorryFree® Stress tests for your finances   To hear all of David's excellent information, listen to the entire show today! --------------------------------------------------------------------- David Lukas Financial is now accepting reservations for the March Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for March's classes. Upcoming Classes Available: Thursday, March 29, 2018 6:00 PM Friday, March 30, 2018 6:00 PM MORE DATES COMING SOON! HELD AT THE HAMPTON INN: 11920 MAUMELLE BLVD, MAUMELLE, ARKANSAS 72113 CLICK HERE TO REGISTER TODAY!   ------------------------------------------------------------------- The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) -------------------------------------------------------------------   Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Saving for retirement isn't easy. It takes a career's worth of time and dedication to accumulate the kind of money most people need to retire WorryFree®. What a lot of planning retirees aren't accounting for is the possibility of losing more than half of their money due to the penalties, taxes and fees associated with Required Minimum Distributions (RMDs). This week on the David Lukas Show, David talks about how underestimating and inadequately planning for RMDs can ruin any carefully planned retirement. Throughout the hour, David talks about:   What accounts are subject to RMDs What accounts save you from RMDs When you need to take your RMD—important deadlines How to calculate your RMD How RMDs are taxed How to create a proactive RMD strategy to protect you from unnecessary taxes, fees and penalties   To hear all of the excellent information David Lakas of David Lukas Financial has about Required Minimum Distributions, listen to the entire show today. ------------------------------------------------------- Book recommendation from today's show : The Power of Zero by David McKnight ------------------------------------------------------- Are you interested in the Required Minimum Distribution Guide? Call David Lukas Financial at 501-218-8880 or email davidlukas@davidlukasfinancial.com today. ------------------------------------------------------- David Lukas Financial is now accepting reservations for the March Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for March's classes.   Upcoming Classes Available: Thursday, March 29, 2018 6:00 PM Friday, March 30, 2018 6:00 PM   MORE DATES COMING SOON! HELD AT THE HAMPTON INN: 11920 MAUMELLE BLVD, MAUMELLE, ARKANSAS 72113 CLICK HERE TO REGISTER TODAY! The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE. Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

When you're married, saving for retirement is a joint effort. If you're not sharing in this effort you should be. Common ground needs to be found and communication should always be open about your financial expectations in life now and the impending future. If you and your spouse aren't' talking about these things now you need to. This week on the David Lukas Show, David talks about how to get on the same page as your spouse in planning your retirement. Throughout the hour David talks about all the ways you and your spouse can talk about and ultimately plan a retirement you'll both be comfortable with. Need help getting the conversation started? Here are the five critical questions spouses need to ask each other while planning their retirement. Are we spending more than we should? Do we have the same vision for retirement? Do we agree on the amount of risk we're taking on your joint investments? Do we have our Social Security benefits set up and maximized correctly? Do we have a plan for life expectancy/ longevity plan/ long-term care? To hear all of the excellent information David Lakas of David Lukas Financial has about you and your spouse planning your retirement together, listen to the entire show today.   ------------------------------------------------------------------ David Lukas Financial is now accepting reservations for the March Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for March's classes.   Upcoming Classes Available: Thursday, March 29, 2018 6:00 PM Friday, March 30, 2018 6:00 PM   MORE DATES COMING SOON! HELD AT THE HAMPTON INN: 11920 MAUMELLE BLVD, MAUMELLE, ARKANSAS 72113 CLICK HERE TO REGISTER TODAY! The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.   ----------------------------------------------------------------------- Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Are you needlessly shelling out thousands of dollars in taxes when you could be keeping more of the money for yourself? Are you tired of hearing about how the wealthy are paying less to the IRS while you're paying more? The IRS estimates that 20% of Americans miss out on up to $6,000 worth of tax breaks every year. Business owners are missing out as well. Not because they don't want the break but it's because they don't know how to file. This week on the David Lukas Show, our host talks about how important it is to plan your retirement, collection of Social Security benefits and estate with current and future taxes in mind. In the first half of the show, David discusses what tricks can be utilized and how tax diversification is the key to saving more and paying less on... the three basic tax categories: - Taxed Always- savings account, dividends on investments, brokerage accounts - Taxed Later - 401K, IRA, real estate, hard assets - Taxed Rarely-  Roth IRA, interest from Municipal bonds, certain types of life insurance contracts   Don't own too many products (investments, brokerage accounts, real estate, hard assets…) that are taxed the same way or at the same time. —Kiplinger.com   For the second half of the show, David expands upon the varying steps Americans can now take to mitigate their impending Tax Tumor—before retirement.      To hear all of the important information and advice David of David Lukas Financial has to offer, listen to the entire episode today.    ------------------------------------------------------------------------------   David Lukas Financial is now accepting reservations for the March Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for March's classes.   Upcoming Classes Available: Thursday, March 29, 2018 6:00 PM Friday, March 30, 2018 6:00 PM   MORE DATES COMING SOON! HELD AT THE HAMPTON INN: 11920 MAUMELLE BLVD, MAUMELLE, ARKANSAS 72113 CLICK HERE TO REGISTER TODAY!   ----------------------------------------------------------------- The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE. Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

If you're a Saver, saving and investing for retirement has been the easy part. In fact, it's second nature. But when it comes to knowing what fees and penalties you'll pay if you don't set everything up correctly when you're set to collect or even access your own money many haven't a clue.   This week on the David Lukas Show, David talks about all the ways you can be penalized when accessing your money too early or too late of your retirement date or age. Throughout the hour he expands upon each of the topics listed below... Claiming your SS benefits Enrolling in Medicare Withdrawing money from your IRA 401k withdrawal RMDs (Required Minimum Distributions) for both account holders and Inheritors Other trap doors and challenges The little know options you in fact have to protect your retirement To hear all of the excellent information that David Lukas of David Lukas Financial has about planning proactively for retirement, listen to the entire show today.   ---------------------------------------------------------------------- David Lukas Financial is now accepting reservations for the March Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for March's classes.   Upcoming Classes Available: Thursday, March 29, 2018 6:00 PM Friday, March 30, 2018 6:00 PM MORE DATES COMING SOON! HELD AT THE HAMPTON INN: 11920 MAUMELLE BLVD, MAUMELLE, ARKANSAS 72113   CLICK HERE TO REGISTER TODAY! ------------------------------------------------------------    The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.  ---------------------------------------------------------------------- Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Life is full of risks. Retirement doesn't have to be. Too many future retirees don't know that it's the least considered risks that are the most damaging in retirement. Especially, when the risks involve funds you've spent your entire career saving.   This week, on the David Lukas Show, David talks about the risks involved with NOT PLANNING your retirement income gameplan correctly and what you can do to safeguard your family and your retirement portfolio against some common pitfalls Americans experience every year.     The nine overlooked risks in retirement mentioned and explained in today's show: Neglecting to take into account healthcare and/or long-term care costs…. Outliving your money Not having a retirement gameplan Having too much of your wealth tied into your home (mortgage) Not having or planning survivor benefits Your portfolio isn't diversified Claiming Social Security the wrong way at the wrong time Losing out on the miracle that is compounding interest Not minimizing risk   To hear all the excellent information that David Lukas of David Lukas Financial has about planning proactively for retirement, listen to the entire show today. If you would like to know how to turn your current savings and investments into a retirement income stream, in retirement, contact David with David Lukas Financial Today.   The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE. --------------------------------------------------------------------  Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.   Remember, successful retirements aren't build on assets...they're built on your ability to generate income.

As the end of the year nears, it's time to start thinking about taxes...again. Contrary to many beliefs, there are steps retirees can take to save more money by paying less in taxes and fees on retirement accounts. Having a solid retirement plan and implementing tax strategies can truly be the difference between worry in retirement and a WorryFree Retirement®.   This week on the David Lukas Show, David speaks candidly about retirement, taxes, and all the ways you can save by implementing the tools needed to retire in confidence. Throughout the hour, David gives his listeners the tips, tips only a financial advisor would know, needed to navigate retirement effectively and safely before the year's end. This isn't a show you'll want to miss.   To hear all of David's professional advice, listen to the entire episode today.   To learn more about how Fixed and Index Annuities ban benefit you and your retirement portfolio, call David Lukas (501) 218-8880, AT David Lukas Financial.  --------------------------------------------------------------- The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas)  ------------------------------------------------------------ Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas. ------------------------------------------------------------------ Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: 3Personalities.com ------------------------------------------------------------------ Remember: The last thing in retirement you want is to be 85 years old, full of life and flat broke.

Gone are the days of grandad's or grandma's pension. What use to be a comforting contract between employers and employees for life after work, has now—in most cases—become a less than successful plan for retirement. That's where Social Security (SS) comes in. Yes, SS exists to supplement income after retiring, but if the plan for collecting isn't setup correctly thousands of your hard earned retirement dollars could be lost.   This week on the David Lukas Show, Little Rock's own David Lukas discusses the top 10 most frequently asked questions about Social Security posed to him during David Lukas Financial's  Maximizing Social Security courses held in 2017.   The 10 most frequently asked questions about Social Security addressed on today's show: When am I eligible to receive Social Security benefits? Is SS in trouble? Will it be around when I need it? What happens if I claim Social Security but continue to work? How is eligibility determined? When is the best time to claim SS? Could I claim other benefits? How much will I be taxed? What happens if my spouse dies (what are survivor benefits)? What if I'm divorced? Why can't I get any reliable advice from the SS administration/department?   Want to know the valuable advice David gave on these questions? Curious about the changes coming to Social Security in 2018? Listen to the entire episode --------------------------------------------------------------- There are changes in SS coming in 2018. If any critical financial issues were placed before you, would you be prepared? David Lukas Financial specializes in strategies designed to help you prepare for uncertainty in retirement. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas.   The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security.  Request your Free Guide To Social Security today! (Must be a resident of Arkansas)

Do you remember what started the financial crisis of 2008? Did you foresee what would eventually happen to the stock and housing market? Do you remember how much you—everyone you know lost? If a major market correction were to happen again, soon, are you protected? The early 2000s were a time of prosperity. In a seemingly unstoppable economy millions of Americans were reaping the rewards of a stock market that had never performed better. Little did they know that soon 18.9 trillion dollars in household wealth would be lost. Never had they imagined that close to eight million people would lose employment. How many dreaded heading back to work because they lost up to 60% of their retirement funds they'd worked an entire career for because of high investment risk?   This week, on the David Lukas Show, David addresses what happened in the financial world less than ten years ago and the damage it did to the American economy. Throughout the hour David names and expands upon several surprising lessons, from 2008, retirees and soon to be retirees have at their disposal to learn from. Because just having a plan isn't enough. In fact, having a financial gameplan is the most important thing that you can do to secure your and your family's financial future.   To listen to all of the expert advice David Lukas has on safeguarding your hard earned retirement funds, listen to the entire show today!   Attention Arkansas listeners age 60 and up: Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at DavidLukasFinancial.com Also, get a Social Security Analysis provided by DL Financial, when you visit.   Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas. ----------------------------------------------------------------- Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: 3Personalities.com

Imagine how much easier retirement would be if there was a checklist to help you plan for every possible money draining scenario that could be thrown your way? How valuable would that be to you, your family...your future?   This week on the David Lukas Show, our host David Lukas of David Lukas Financial gives current and soon-to-be retirees a list of information that is crucial to planning for retirement responsibly. Throughout the hour, David educates his listeners on the essential items needed to live comfortably in retirement.   After all, it's not what you make during the first half of life but what you get to keep afterwards that counts in the end. Top items needed to plan and ensure a WorryFree Retirement®: Ensure your asset are diverse in defense against a down market Plan for collecting Social Security is in sync with the rest of your retirement strategy Confirm with your financial advisor about the amount of risk you are or aren't taking in your investments Develop and implement a proactive tax strategy Plan for the possibility of long term healthcare   To hear all of David's excellent advice on planning for a WorryFree Retirement®, listen to the entire episode today.   David Lukas Financial is now accepting reservations for the September Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for October's classes. Classes in October are as follows: Tuesday, October 24th, 6:30PM Wednesday, October 25th, 6:30PM Thursday, October 26th, 6:30PM   CLICK HERE TO REGISTER TODAY!   The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.   Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Retirement is meant to be the period of calm after the rocky road of years of career(s) and earning. The actual act of retiring used to be fairly simple, back in the day. But now, future retirees NEED to know a multitude of things and require a specific gameplan to retire right—without penalty and most importantly WorryFree®.       This week on the David Lukas Show, our host David Lukas gives us listeners the ABCs of RMDs. Throughout the hour David explains what RMDs (Required Minimum Distributions) specifically are and why they are important to your overall retirement strategy.   Facts about RMDs discussed in today's show: What types of accounts are subject to required minimum distributions How to delay an RMD if applicable When the magical 10 year “penalty free” period of withdrawal starts  and ends for specific ages How much must be taken out, specifically, per applicable account How to prepare for paying taxes on your RMD(s)   What does the acronym ABC stand for? A: is for the aggregation of each tax deferred account B: is for beginning withdrawals C: is for consider your taxes   To hear all of the important information discussed in this show, listen to the entire episode today. The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.   Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

You only get one chance at retiring. Whether you like it or not, you are indeed in the game of finance. The real trick is to play it smart so that you can enjoy retirement instead of spending your time worrying.  After spending most of your life working the last thing you want is to be full of life but potentially flat broke.   This week on the David Lukas Show, our host David Lukas talks about the five most common critical mistakes people make before and at the life changing event of retirement.   The top 5 mistakes mentioned: Not knowing how and when to claim Social Security Not having an estate plan Taking on more risk on investments than you know or need to Not having an insurance policy/contract  (annuity) in your retirement Not having a thoughtful diverse and comprehensive retirement plan   To hear all the excellent information that David Lukas of David Lukas Financial has about planning proactively for retirement, listen to the entire show today.     Q&A with David: Questions asked and  on today's show.   Gentleman, Central Arkansas My wife is 62 and is not working. She is eligible for her own benefits. I am 62 and I have no intention of claiming my benefits until the full retirement age (66). It seems like it would make sense for my wife to start claiming her benefits...then upon her full retirement age, claiming her spousal benefit based on the 50% of my full age retirement benefit. Is there any penalty for her claiming her benefits based on her work history now...then claiming her spousal benefits later? Listen to David's advice on this question today!   David Lukas Financial is now accepting reservations for the September Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for October's classes. Classes in October are as follows: Tuesday, October 24th, 6:30PM Wednesday, October 25th, 6:30PM Thursday, October 26th, 6:30PM   CLICK HERE TO REGISTER TODAY!   The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.   Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

When it comes to safeguarding your hard earned retirement funds, risk is your enemy. Honestly there isn't much worse than the possibility of losing thirty to forty  percent of your stock market investments in an aggressive downturn or market correction.   Most of us can't afford that kind of loss close to or during retirement. So how are you able to keep on course in to ensure that your funds are what and where you want them to be and that they're protected?   This week on the David Lukas Show, our host David Lukas discusses what you can do to proactively put and keep your retirement on the path to success. Throughout the hour David expands upon all the different ways that life events can trigger the need for a correction in your planning. Knowing the amount of risk you're taking with your investments is just the first step of responsible investing—below are just a few of the other points mentioned and suggested in today's show... -know the amount of risk you're taking with your investments -update any estate plan changes -know what fees and taxes you are paying and how they might change later -know what to do if you receive an inheritance -have a plan for loss of employment -know the important age requirements dates and deadlines for Social Security, when you can use the money in an IRA, Medicare benefits -know when interest rates change and how it will impact your retirement To hear all the excellent information from David Lukas of David Lukas Financial has about being proactive instead of reactive regarding risk, listen to the entire episode today.   David Lukas Financial is now accepting reservations for the September Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for September's classes. September classes are as follows… Wednesday, September 20th, 6:30PM Thursday, September 21st, 6:30PM Friday, September 22nd, 6:30PM   CLICK HERE TO REGISTER TODAY!   The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.   Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Because they don't know any better, most americans are take their investments and social security benefits at face value, ultimately missing out on thousands of extra dollars earned in the second and third halves of life into retirement. Because you only get one chance at retirement best defense against financial disaster is an informed mind and a sound plan for the future.   This week, on the David Lukas Show, our host David addresses many of the common mistakes that people are making in planning— or better yet in the lack of planning—  their retirement. Throughout the hour, David discusses the four reasons people fail in planning and therefore forfeit a WorryFree Retirement®. Not having a claiming strategy to maximize Social Security. Not having a way to generate income after retirement Taking on more risk than you know...or need to Not having a thoughtfully diverse comprehensive game plan   To hear, in detail, about how all of these pitfalls can ruin your retirement listen to the entire episode today!   If any one of these critical issues apply to you and your retirement, you are not alone. David Lukas Financial specializes in strategies designed to help you prepare for the unknown. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas.    David Lukas Financial is now accepting reservations for the September and October  Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for September's classes. September classes are as follows… Wednesday, September 20th, 6:30PM Thursday, September 21st, 6:30PM Friday, September 22nd, 6:30PM   CLICK HERE TO REGISTER TODAY!   The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Call 501-377-9602 for registration availability.

With no real help from the SS Administration itself, it's hard to know what steps are necessary to take in maximizing your Social Security benefits. In fact, so many retirees assume that the process is easy. Unfortunately, it isn't.   This week on the David Lukas Show, David talks about the many common assumptions people make or have already made about claiming Social Security. Throughout the hour, David talks through the 9 most common presumptions (listed below) that can impact your retirement and what you can do to prepare.   Believing that Social Security is running out of money Thinking the money you pay into the system is the exact amount you'll receive when collecting Assuming that SS is there to replace the entire income lost after retirement Believing that SS benefits (amount paid to you) are based, solely, on the last ten years of your income Mistakenly thinking that the retirement age of 65 is set in stone for everyone That the SS Admin will give you useful personalized advice Assuming that if you don't claim your benefits as soon as you can (age 62) that you'll collect less Not knowing the specifics about spousal benefits and the complications in collecting Not understanding eligible benefits before/after divorce   To hear all of the highly informative information David has for you about Social Security, listen to the entire episode today.   If any one of these critical issues were placed before you, would you be prepared? David Lukas Financial specializes in strategies designed to help you prepare for uncertainty in retirement. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas.   Want to learn more about Social Security?  David Lukas Financial is Now Accepting Reservations for September. To sign up for September classes, simply follow the “Register Here” link now! September classes must be reserved via our 24-Hour Reservation line. You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today.   Classes in September are as follows: Wednesday, September 20th, 6:30PM (SOLD OUT) Thursday, September 21st, 6:30PM Friday, September 22nd, 6:30PM   The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security.  Request your Free Guide To Social Security today! (Must be a resident of Arkansas)

Did you know that your ability to turn savings and investments into income could completely dictate the quality of your lifestyle in retirement. In fact, the ability to earn a living without having to actually keep working could mean the difference between doing everything you've ever dreamed of or burning through your life savings entirely too soon.   This week, on the David Lukas Show, David explains how you can turn your savings and investments into income earning workhorses. Throughout the hour David mentions the popular savings and investment vehicles commonly used by potential retirees (bank savings, CDs, money markets…) and how the current rate of return on these options has been less than stellar. David names several attractive options that Savers have to not only safeguard their hard earned retirement funds but to also earn an income from them.   David's money earning options mentioned in today's show: - Life insurance policies- Annuities - Roth IRAs - And more... To hear, in detail, about how all of these money making options can work for you in your retirement, listen to the entire episode today!   If any one of these critical issues apply to you and your retirement, you are not alone. David Lukas Financial specializes in strategies designed to help you prepare for the unknown. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas.   David Lukas Financial is now accepting reservations for the September Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for September's classes. September classes are as follows… Wednesday, September 20th, 6:30PM Thursday, September 21st, 6:30PM Friday, September 22nd, 6:30PM   CLICK HERE TO REGISTER TODAY!   The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Call 501-377-9602 for registration availability.

We've all experienced the adage that “past performance is no true indication of future results.” Back in March of 2009 the market bottomed out and then it came roaring back setting record after record. But even with all this gain, many have lost thousands of dollars each year because they didn't plan for their specific needs or they were taking more risk than they were comfortable with. So the question is, if you're invested in the market, what do you do now? How much risk do you have to take?   This week, on The David Lukas Show, David talks about what options Savers, current investors, and potential investors have as far as the stock market is concerned. Throughout the hour, David names and defines the the most important things that retirees need to know about saving for retirement.   Topics discussed in today's show aka, the... 5 pillars of investing that could impact your savings for retirement: Don't have unrealistic expectations about your investments or assume that the gains of the past will always reflect the same gains in the future Proactively plan for claiming your Social Security benefits correctly—this could save you thousands in lost income Have an income plan from diversified sources Ensure that your portfolio matches your tolerance for risk Have a strategy to protect yourself from healthcare and long term care costs To hear all of the expert information David has for our email inquirer and you, listen to the entire episode today. If any one of these critical issues apply to planning your retirement, you are not alone. David Lukas Financial specializes in strategies designed to help you prepare for retirement. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas.   ––––––––––––––––––––––––––––––––––––––––––––––––––––––– Listener's emails addressed on today's show:   Female listener in Little Rock, AR asked: My husband passed away in May of 2017. My Social Security survivor benefit from him would be about $1,500 a month. I'm 61 yrs old and earning about $38,200 a year. Am I entitled to any benefits while I work and earn this money? Social Security says no. What do you say?   Female listener in Benton, AR asked: If my husband's Social Security benefit will amount to half than what mine will be, can he start drawing at age 62 and then increase to half of mine when I retire? Or does he have to wait until full retirement age?     David Lukas Financial is now accepting reservations for the Maximizing Your Social Security Course this month.   Classes in August are as follows: Tuesday, August 22nd, 6:30PM Wednesday, August 23rd, 6:30PM Thursday, August 24th, 6:30PM   You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for August and September's classes. T   CLICK HERE TO REGISTER TODAY!   The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Call 501-377-9602 for registration availability.

Saving for retirement alone, just isn't enough anymore. In today's financial environment one must have a secure distinct plan to retire successfully. Because it isn't what is happening, currently, but what happens in a down market that can have a profound effect over your savings for the next decade. This week on the David Lukas Show, David talks in depth about the common habits that prudent savers and successful retirees share in planning for retirement. These eight habits of successful retirees are: 1. Comprising a thoughtful and comprehensive game plan 2. Understanding of “risk tolerance” and knows exactly how much risk they are and are willing to take. 3. They have a plan in place that optimizes their social security benefits 4. They know how much they are paying in fees on their investments and how their advisors make their commissions 5. They are proactive in preparing for taxes (current and future) and and saving on taxes where and when they can 6. They have a diversified plan to generate income after retirement 7. They have a plan to protect them from both rising healthcare costs and the crippling expense of long-term care costs 8. They don't have unrealistic expectations and live well within their means To hear all of the valuable information that David Lukas has to give, listen to the entire show today. If any one of these critical issues apply to you and your retirement, you are not alone. David Lukas Financial specializes in strategies designed to help you prepare for the unknown. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas. David Lukas Financial is now accepting reservations for the August and September Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for August and September's classes.   August classes are as follows...Tuesday,  August 22ndWednesday, August 23rdThursday, August 24th CLICK HERE TO REGISTER TODAY! The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Call 501-377-9602 for registration availability.

Currently, fifty two million Americans have 4.4 trillion dollars socked away in their 401(k) savings accounts. Right now, in our current up market, everyone's probably pretty happy with their performance. But what would happen to your 401(k), specifically, if the market took a turn for the worst? Do you know how much of your money is at risk? Are you willing to lose up to half of it? Did you know that ignoring your 401(k) could cost you a fortune?   This week on the David Lukas Show, David tackles the subject of security in your 401(k) retirement, or as he affectionately calls it your government sanctioned tax postponement plan, and what you can do to be proactively protective of your assets. Throughout the hour, David talks about the seven things that you can do to reboot your 401(k) and keep things on track.   Specific items touched upon in today's show:   1. Figure out and know what your comfort level is with the investments you hold 2. Putting in too little? See if your employer has a true up provision program for your 401k program (The feature, called a true up, allows employees to receive employer matches that they would have otherwise missed out on because of 401(k) front-loading or because they spread their 401(k) contributions out unevenly throughout the year-explanation via Google) 3. Putting in too much? If your employer is unable to match your contributions, you may be missing out on funds that should be coming to you but won't. 4. Check the plan documents and know  what the plan rules are and think of them as the rulebook for your 401(k) 5. Fine Tuning your contribution levels 6. Research other, savings options for your retirement such as a Roth IRA or a specially designed life insurance contract... 7. Know what requirements, penalties, and fees are applicable on RMDs (required minimum distributions)   To hear all of the highly informative information David has for you about rebooting your retirement, listen to the entire episode today.   If any one of these critical issues apply to you and your 401(k) you are not alone. David Lukas Financial specializes in strategies designed to help you prepare for retirement. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas.     David Lukas Financial is now accepting reservations for the July Maximizing Your Social Security Course: You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for July's last available class.   Class in July is as follows: Thursday July the 27th at 6:30pm, located at the Hampton Inn: 11920 Maumelle BLVD   CLICK HERE TO REGISTER TODAY!   The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinated to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Call 501-377-9602 for registration availability.

Are you being punished or financially penalized for being a Saver and planning responsibly for your future? Are you currently paying more in taxes than others that you know who haven't planned at all? If you answered yes to either of these questions, you are not alone.   This week on the David Lukas Show, our host David addresses how those of you who have saved diligently and sacrificed much throughout the years of your careers are now being penalized in retirement.   Throughout the hour, David discusses how Savers can protect themselves and their hard earned retirement funds with different types of products that are designed to help you hold on to as much of your income as possible. Here are some of the products mentioned and elaborated on in today's show:   Roth options Municipal bonds A specially designed permanent life insurance contract   To hear all of the valuable information from David Lukas of David Lukas Financial has to offer, listen to the entire show today!   To find one or any of the highly informative books mentioned in today's show check out the Recommended Books Page right now.     David Lukas Financial is now accepting reservations for July's  MAXIMIZING YOUR SOCIAL SECURITY COURSE. This course was designed for those looking for options in when and how to take their Social Security. Social Security is one of the most valuable and least understood benefits available to retirees today. Advanced planning is essential, and the decisions made have a tremendous impact on the total amount of benefits you receive over your lifetime. This course will provide you with much needed information to help you understand the system, coordinate spousal and survivor benefits, minimize taxes, and maximize your personal benefits. Attendees will receive a workbook.   You can call our 24-Hour Reservation Line at: 501-574-0677 to check availability and reserve your seat today for upcoming classes.   Classes in July are as follows: Tuesday July the 25th at 6:30pm Wednesday July the 26th at 6:30pm Thursday July the 27th at 6:30pm     Attention Arkansas listeners age 60 and up! Request your FREE 2017 Guide to Social Security (45th edition) by calling (501) 218-8880 today! Or by going to DavidLukasFinancial.com   Want to know more about how David Lukas Financial can benefit you and your retirement portfolio?—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Many of the notions you may have about retirement, could get you into serious financial trouble. Are you prepared if taxes go up? How much will it cost you to pull money from your 401k or IRA? Does your current strategy align with your risk tolerance? This week on the David Lukas Show, David talks about recurring myths about retirement. Throughout the hour, David demystifies each misnomer and expands upon how you can prepare for many of the common pitfalls in retirement. Claiming SS as soon as possible is the way to go: Many soon to be retirees are under the impression that Social Security is prime for the taking as soon as they hit retirement age. That assumption can be detrimental to your retirement plan. Setting up a retirement plan with a retirement specialist is your best bet. Social Security Administration will assist you in collecting: The findings of a recent Government Accountability Office report concluded that the agency is consistently giving either bad or false information to retirees on the complicated subject of collecting their benefits. See Related Article: How Social Security Misleads About Claiming Benefits The market will stay or go up forever: When the market is good...everything is oh so good. But as history shows just as all things go up...they also come back down. Nobody could have predicted the damage that was done in the stock market back in 2008. If a fall like that happened again, would your retirement accounts be protected? Medicare will cover your healthcare costs: Healthcare seems so uncertain right now and many retirees are assuming that Medicare is free and that it will cover it all after retirement. There is also the assumption that Medicare will cover costly long-term care. Unfortunately that just isn't so. Your investments will steadily create income, for you, after retirement: Unless you plan carefully and dutifully protect your assets, they may not be there for you to depend on. You shouldn't own any permanent life insurance: Many of us assume we don't need permanent life insurance. Instead they opt for term and “plan” on investing the difference. The reality is, most don't and most don't realize the flexibility and value of permanent life insurance. If any one of these critical issues were placed before you, would you be prepared? David Lukas Financial specializes in strategies designed to help you prepare for uncertainty in retirement. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas. Article mentioned in today's show via Forbes.com, How social security misleads about claiming benefits. The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinate to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Call 501-377-9602 for registration availability. Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE.

Are you hard wired for risk or for security? Does taking chances in the stock market and potentially suffering a crippling financial hit, like millions of Americans did back in 2008, keep you awake at night? This week on the David Lukas Show, our host David talks about all the different types of financial products that are safer than many popular products being sold right now. Throughout the hour, David speaks openly and honestly about the truths—and more importantly non-truths about Annuities and why Insurance Contracts may just be what a Saver is looking for as an alternative to the low interest rates offered by banks. To hear all of the valuable financial information David has to give, listen to the entire episode today! The Guide to Social Security & a Better Retirement can help you keep up to 20% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, you can time the use of these two differently taxed sources to lower taxes drastically. You need make no new investments or even change the ones you have, just use your money smarter. Two uninvited guests that will come to your retirement are inflation and taxes – you can do little about the former but by taking advantage of the timing options you have, taxes can be slashed dramatically. Request your Free Guide To Social Security today! Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas. Many of the decisions we make with money are dependent on our specific financial personality. Not sure what your financial personality is? Visit 3personalities.com and find out today! To learn more about how an Annuity can benefit you and your retirement portfolio, call David Lukas, (501) 218-8861, at David Lukas Financial.

Just when you think you've got things figured out, life can throw you one heck of a curveball. In the blink of an eye, your financial future can change for the worst. For those of us who have a financial game plan, things may be less traumatic. For those of us who don't, the transition could lead to financial ruin. This week on the David Lukas Show, David talks about all the reasons people might have for an early retirement. Whether you're being downsized from your job, you have to quit working for health reasons, family issues, or just forced to retire early, the main issue you may have is being unprepared. Throughout the hour David discusses the options retirees have and what they can do—through concise and careful planning—to combat the sudden loss of income if it happens to them. Topics discussed in today's show: Planning for the unexpected Having a gameplan Generating income after retirement Being proactive vs. reactive in retirement If you were faced with any one of these situations, are you prepared? David Lukas Financial specializes in critical strategies designed to help you prepare for uncertainty in retirement. Want to know more about The WorryFree Retirement® process? Call David Lukas, (501) 218-8880, today to learn more about what David Lukas Financial can do for you. *Conveniently located right here in North Little Rock, Arkansas. The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinate to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE. Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: 3Personalities.com

Change is the law of life. And those who look only to the past or present are sure to miss out in the future. —John F. Kennedy Much can be said about the need for change. Change paves the road for the future. So what happens when we don't plan appropriately for change—financially. Well, many times disappointment. Sometimes, disaster. This week on the David Lukas Show, David talks about all the recent amendments made within Social Security and how important it is for retirees and soon-to-be retirees to know the specifcs—like how it will affect them—and the necessity of planning accordingly. Throughout the hour, David explains in detail what changes have been made and what you can do to prepare. Specific important topics discussed in today's show: The tax hike to higher income earners Some spousal benefits stripped from the plan Full retirement age increased The Cost of living adjustment based on the CPI (Consumer Price Index) To hear all of the valuable information and advice that David has to offer, listen to the entire show today. Featured in the show: David Lukas Financial's Maximizing Your Social Security Course Are you interested in a course that provides a fundamental working knowledge of the Social Security program as it applies to retirement planning? The information covered in the course includes: the history of Social Security, how to qualify for benefits, spousal benefits, widow & widower benefits, taxation of benefits, working while you receive benefits, issues involved in claiming benefits early, and strategies to maximize your benefits while developing an income stream in retirement. This is not a financial seminar; this is a financial course of study where you will leave with the knowledge and information needed to make decisions about Social Security benefits. Sign up today at davidlukasfinancial.com! Attention Arkansas listeners age 60 and up! Request your FREE 2017 social security guide (45th edition) by calling (501) 218-8880 today! Or by going to DavidLukasFinancial.com Want to know more about how David Lukas Financial can benefit you and your retirement portfolio?—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

At this time of year, taxes are what's on everybody's mind. And rightly so for current and future retirees because taxes don't just magically stop after work. In fact, taxes may become much more complicated and involved than they were when you were working. In a time when they should be relaxing what are retirees to do when the stress of taxes takes over? This week on the David Lukas Show, our host David talks about how important it is to plan for taxes in retirement and what current retirees can do to safeguard their hard earned retirement funds from unnecessary taxation and penalties. Specific topics addressed this episode… What the Tax Tumor is and how to avoid it How Social Security income is taxed IRA and 401(k) withdrawals and how they are taxed Pension and Annuity taxation Taxes on investment income How to use and enjoy your money via the WorryFree Retirement® To hear all of the valuable information and advice David Lukas of David Lukas Financial has to offer, listen to the entire show today! Attention Arkansas listeners age 60 and up! Request your FREE 2017 social security guide (45th edition) by calling (501) 218-8880 today! Or by going to DavidLukasFinancial.com Want to know more about how David Lukas Financial can benefit you and your retirement portfolio?—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Since you've been working, a percentage of your earnings have been going to social security. Unfortunately, during the process, many people have found the claiming and filing process increasingly complicated and difficult to navigate due the the thousands of possible claiming options. So what's a retiree/ soon to be retiree to do when people feel the frustration of a seemingly bureaucratic rules and regulations? This week on the David Lukas Show, David brings to light many of the unatractive attributes abouting the filing process and what you can do to avoid the catches and pitfalls within. Topics touched on and explained in today's show: You may be grandfathered into certain “Outside Of The Box” claiming strategies The typical employer contributions for SS greatly outweigh contributions made to 401(k)s How being proactive in your Social Security planning could save you thousands of dollars over a lifetime. Optimizing SS, to your benefit The Social Security website and its challenges. If you take your SS benefits at face value, you could leaving thousands upon tens of thousands of dollars on the table. To hear all of the valuable information on Social Security discussed in today's episode, listen to the entire show today. The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinate to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE. Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

One of the biggest and most expensive mistakes retirees make, is overpaying taxes. Thousands of people are overpaying because of lack of planning for retirement and when to file for Social Security benefits. This week on the David Lukas Show, David talks about how retirees are wasting thousands upon thousands of thousands of dollars on overpaying taxes. Because while many financial services clients are focused on fees, expenses and returns on investments, they are ignoring the tax tumors that are building in their government sanctioned retirement accounts. Throughout the hour David explains what the many trap doors are that can easily wipe out the advantages of postponing or deferring taxes to a later date. And how if you overlook one simple thing you can trigger an avalanche of needless taxes and penalties. Higher taxes on your on your Social Security benefit An investment surtax Higher capital gains taxes Higher Medicare premiums To hear all the excellent information from David Lukas of David Lukas Financial has about being proactive instead of reactive regarding the tax tumor issue, listen to the entire episode today. The Guide to Social Security can help you understand how to keep up to 32% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, can be coordinate to maximize your Social Security. Request your Free Guide To Social Security today! (Must be a resident of Arkansas) Also be sure to check out the upcoming Maximizing Social Security Classes taught by David and held right here in North Little Rock. To get more details and register for a class go HERE. Want to know more about how David Lukas Financial can save you money on unnecessary taxes and fees—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

In a society where women tend to live longer than men, knowing how to best plan for longevity in retirement is becoming increasingly more important. In fact, because so many women are outliving their spouses, they're contending with the issue of running out of money. This week on the David Lukas Show, David talks about how, more commonly than not, wives are outliving their husbands and what women can do to NOW to safeguard themselves against possible future financial disaster. Topics discussed: The likelihood of a long retirement How women need long term care Planning correctly to create income during retirement Why spouses should wait till 70 to collect on Social Security Rising healthcare and medical costs To hear more, listen to the entire show right now! Remember, it is possible to generate income after retirement. You just need to plan with someone who knows how to get you there. To read the article discussed in today's episode, click here. Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas. Attention Arkansas listeners age 60 and up! Request your FREE 2017 social security guide (45th edition) by calling (501) 218-8880 today! Or by going to SSBenefitsGuide.coms

We live in a dollar dominated society. What we get, for how much, is one hundred percent dependant on the rate of inflation. What does inflation mean to you in retirement? What will it? Nationally the Annual Inflation Rate (AIR) has stayed at around 1.7 percent a year, but just last month the US experienced a larger than normal 0.6 percent jump in the Consumer Price Index, causing the AIR to rise to 2.5 percent—a five-year high. This week on the David Lukas Show, David talks about what the negative effects of inflation can do to retirees and what retirees can do to safeguard themselves from the inevitable rise in cost of living. Throughout the hour, David talks about the most reliable ways to hedge against inflation, including: Equities Realestate Tangible Assets And more. Listen to the entire show today today to get all of the excellent advice David Lukas of David Lukas Financial has to offer. The Guide to Social Security & a Better Retirement can help you keep up to 20% more of your money for retirement. Since you have a choice of when to start Social Security and also your individual or employer-plan qualified retirement money, you can time the use of these two differently taxed sources to lower taxes drastically. You need make no new investments or even change the ones you have, just use your money smarter. Two uninvited guests that will come to your retirement are inflation and taxes – you can do little about the former but by taking advantage of the timing options you have, taxes can be slashed dramatically. Request your Free Guide To Social Security today! Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas. Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: 3Personalities.com

If you look at what happened with the stock market, over the last eight years, you could venture to say that it's been quite a ride! The Market bottomed out in early March 2009 and then it came roaring back setting record after record. In January of this year, the Dow Jones Industrial reached an all time high. So the question is, if you're invested into the market, what do you do now? Do you stay? If you aren't currently vested, is it time to jump in? What's a Saver to do? This week, on The David Lukas Show, David talks about what options Savers, current investors, and potential investors have as far as the stock market is concerned. Throughout the hour David mentions and explains all the different risks that your money takes in the stock market and what you can do to protect yourself and your hard earned retirement funds from all that uncertainty. To hear David talk about the recent market upturn, listen to the entire show today! Attention Arkansas listeners age 60 and up! Request your FREE 2017 social security guide (45th edition) by calling (501) 218-8880 today! Or by going to DavidLukasFinancial.com Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call David Lukas Financial, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Everyday retirees are making assumptions that are or could be costing them thousands of dollars in unnecessary fees and market losses. In fact, too many retirees assume entirely too much when it comes to their retirement savings and accounts. If there were guaranteed ways to save on those costs, when would you want to know about it? Right now? If so, then you're in luck because the assumptions stop today! This week on The David Lukas Show, our host David discusses the top five assumptions that people make in retirement that could be costing them hundreds to thousands of dollars. The top five detrimental assumptions that retirees/ future retirees make are: Assuming your broker takes your specific risk tolerance into consideration Taking Social Security at the wrong time...not taking survivor benefits into consideration. Assuming that your health will falter and you won't live long Assuming that your holdings (401k, Roth IRA, IRA, Mutual funds…) are outperforming or at least meeting benchmark standards. Not diversifying your portfolio. Want to know more? Listen to the entire episode today! Attention Arkansas listeners age 60 and up: Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at DavidLukasFinancial.com Also, get a Social Security Analysis provided by DL Financial, (FREE with coupon code: ss60) when you visit. If you are looking for answers to questions about when you should begin your Social Security benefits, how you can manage taxation of benefits, how working will affect your benefits, or strategies to get the most out of your benefits, then you will want to sign up for David Lukas Financial's Maximizing Your Social Security Course. The Maximizing Your Social Security Event to be held in March on Tuesday the 7th of March and Thursday the 9th of March (evening class). Please register for the event now! Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas. Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: 3Personalities.com

How long are you planning to live on God's green earth? Don't know? None of us do. But there's one thing that you should know: healthy living does not guarantee a long life, just as hoping your retirement plan will benefit you, without implementing the proper planning it takes to ensure it. On this week's installment of the David Lukas Show, David talks about how important longevity planning is to your financial future. In fact, many Americans fear outliving their retirement savings and in today's economy it's not irrational. Throughout the hour, David reiterates how important the ability to generate income, after retirement, is because of how uncertain the future may be. To hear what David Lukas, Little Rock's own, has to say about longevity planning listen to the entire episode today. Want to know more about how David Lukas Financial can help you put a safe and secure game plan together that you can count on? —call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. Remember, there's never a fee or obligation to meet with David. The 3 Personalities of Money®: Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com Free Annuity Decision Guide: Curious to know what The Annuity Decision Guide for Savers is all about? Click here!

Last year, the stock market saw its worst opening week for a new year EVER. In a series of unbelievable events—Brexit, some of the lowest interest rates in history, the election of Donald Trump, terrorist attacks...—2016 was surprising to say the least. So what's in store for 2017? A new recession? A currency collapse? If something unpredictable happens to our economy, are your retirement savings safe? This week, on the David Lukas Show, David talks about all the unpredictable things that are not in our control financially. Throughout the hour our host talks in detail about the... 7 ways to be proactive in protecting your money and insulating yourself from disaster Getting a Financial Advisor Planning when to take Social Security at the right time Preparing for taxes after retirement Diversifying your portfolio Considering an annuity Creating an income plan A means to generate income in retirement To hear about each way you can protect yourself and your hard earned retirement funds, in detail, listen to the entire show today! Free Annuity Decision Guide: Curious to know what The Annuity Decision Guide for Savers is all about? Click here! Attention Arkansas listeners age 60 and up! Request your FREE 2017 social security guide (45th edition) by calling (501) 218-8880 today! Or by going to SSBenefitsGuide.com Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

With every new year comes the resolution(s) to make life better...in all things. Whether it be fitness, family or financial, now is the time to make changes where needed. And who doesn't want to make some changes financially? Perhaps you just want to spend less and save more? Maybe you're ready to get rid of all your credit card debt? Possibly, you're tired of taking a back seat in your retirement planning? If you're ready to take charge of your financial life in 2017, you'll want to listen to this week's show! Topics discussed in today's episode: Social Security and the changes that will be made in 2017 How to create a financial game plan Setting up a forward thinking tax strategy Establishing an emergency fund Making sure your plan is up to date Get the NEW 2017 Social Security Guide (45th Edition) for FREE The "2017 Guide to Social Security" is the perfect resource to learn everything you need to know about Social Security and how to get the most out of your benefits. This guide includes all updated information for the new year. The dream of a financially secure retirement starts with knowing that Social Security will provide over 50% of many retirees' income. That's why you NEED to know how it works. Get your free customized Social Security analysis report here! HOW WOULD IT FEEL IF YOU KNEW EXACTLY WHEN YOU COULD RETIRE AND HOW LONG YOUR MONEY WILL LAST? David Lukas Financial can help you put a safe and secure game plan together that you can count on. Call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. Remember, there's never a fee to meet with David and explore our options. Free Annuity Decision Guide: Curious to know what The Annuity Decision Guide for Savers is all about? Click here!

A new year is upon us and now is the best time to get in there and be active in planning your life—after work. Are you getting the whole story? Do you know the details of your retirement? Chances are, you don't. Deeper conversations with your Financial Advisor (FA) could be the difference between life after retirement and work after retirement. So what types of conversations should you be having? First, does he/she have you set up so that you gain the ability to generate income after retirement? Do you, the client, know when is the best time to claim Social Security benefits? Has your FA educated you on how to minimize taxes or how to withdraw from an IRA without getting hit with big fees. Do you know how often you will or should meet with your FA and what you'll talk about when you do? This week on the David Lukas show, David wants to know what you know about your retirement. He's interested in talking about what your Financial Advisor knows about you and your goals in retirement. Because, with all of these important questions surrounding your investments, it's so important to have an advisor that takes the time to understand your “personal” goals. David talks in depth about the importance of working with a Fiduciary to get the results you want. Five things you should expect to happen when meeting with your FA: A discussion about the risk involved in all investment through various market cycles. An education in your investments, in simple easy to understand terms. A review of your retirements current status and explanation therein. That your retirement plan should be a comprehensive game plan. Not just a list of holdings An expectation of how often you will be meeting to review your situation. To hear all of the important things said in this episode, listen today! Get the 2017 Social Security Benefits Guide FREE Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit. Interested in the WorryFree® Retirement? Get started in just five simple steps… 1. Clarify your vision Before beginning any journey, it's best to know where you are going and what to expect along the way. Our first step of the process is unique because it's all about you and “your” vision of retirement. Together, we will clarify where you want to go. We'll help identify your personal strengths and opportunities and consider potential dangers and threats to your financial journey. A personalized written outline summarizing your unique vision will be mailed to you for review at no cost or obligation. 2. Assess your situation A trusted doctor would never give a medical diagnosis without first looking you over. Neither will we! That's the reason the second step was created: “The Assessment.” At this meeting we will review your personal financial information. We'll help organize your finances so that potential issues or concerns can be addressed and corrected. A brief written assessment of any findings and recommendations will be provided to you at no cost. 3. Commit your retirement The WorryFree Retirement® is based on commitment and trust. In order to work together, we must confirm our commitment to the process. We will never pressure you to buy anything from us, nor will we ever suggest you move forward with our recommendations unless you completely understand them. 4. Implement your Gameplan Reaching any goal requires action. With implementation of your personal Gameplan, you will have a safe, easy to follow path format reaching your retirement goals. This written Gameplan will be self-contained in a highly organized binder that clearly communicates your hopes and dreams. 5. Monitor your progress There's only one guarantee in life: Nothin' stays the same! Because change is inevitable, we provide one-on-one consultation with you at no cost, whenever you need it. When you've got a question, we'll be here for you. That's what trust and commitment are all about. The WorryFree Retirement® Process anticipates change and values the idea of monitoring your progress along the way. Our time together also gives us a chance to explore new ideas and possibilities as well. Ready to get started with The WorryFree Retirement process? Schedule a no cost consultation with David by following the link or calling: (501) 218-8880. The 3 Personalities of Money®: Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

If you knew that there were certain safe holds to secure your financial future and ensure that you could retire with less stress, would you take them? Would you choose a worry-full future or The WorryFree Retirement®? This week on the David Lukas Show, our host talks about what risks may be involved with your “basic” 401k retirement plan. Because there's nothing worse than hoping for the best and receiving the worst. One area that can have a significant impact is to be proactive in planning your retirement by ensuring you aren't taking unnecessary risk, especially if you are invested outside of your risk tolerance . Throughout the hour David mentions and expands upon other risk including: The risk of not saving enough The risk of skyrocketing health care prices The risk of not being diversified in your investments The risk of continued low interest rates Unnecessary Fees that cripple your savings The risk of having no plan for retirement The risk of future tax increases. How an annuity might be good for you So what comes of blind 401k planning? A Hope and Prayer Portfolio. What the heck is that, you ask? Well, a H&P Portfolio is an investment portfolio filled with both high fees and high risk investments. Ergo, the holder places all hope that his/her investments are in their best interest and he/she is praying that their portfolio performs well. Reality Check: more times than not, this strategy doesn't pay off for the investors—it is common for people to take way more risk than they want. Want to know what David has to say about all of this? Listen to the entire show today. Free Annuity Decision Guide: Is an annuity right for you? Get the Annuity Decision Guide for Savers today by clicking here! Learn about the 4 types of annuities, the pros and cons of owning an annuity. Learn if an annuity is right for you. Did you know that you can ask David your financial/ retirement questions? Email David with your important questions today and tune in to possibly hear your question answered ON THE AIR. The 3 Personalities of Money®: Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

Is following the herd what's best for you? Do you wake up at night worrying about the hits your 401k may be taking with the Market? This week on the David Lukas Show, our host asks his listeners, “what is your 401k doing for you?” Because when it comes to retirement, most Americans have done little more than the basics. In fact, millions have contributed, monthly, to their 401k, (or as David affectionately calls a tax-postponement plan.) Throughout the hour, David talks about what's waiting for you when you're ready or need to collect on your 401k and explains all the different actions needed to minimize taxes and avoid fees and penalties. David talks about how tax-diversification can be the key to retiring WorryFree®. Just as someone shouldn't put all of their hopes into one dream, a retiree shouldn't put all of his or her money into one product. Penalties, fees, RMDs (required minimum distributions) and the possibility of having to pay within a higher tax bracket are just a few of the MANY reasons why every retiree and future retiree needs a solid game plan for their retirement. So if 401k's aren't the best option for you in retirement, then what are your options? Here a just a few discussed in today's show: Roth IRA An annuity Other tax-advantaged alternative assets classes that are often overlooked. To hear all of David's helpful advice listen to the entire episode today! The 3 Personalities of Money®: Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com Free Annuity Decision Guide: Curious to know what The Annuity Decision Guide for Savers is all about? Click here! Want to know more about how David Lukas Financial can help you put a safe and secure game plan together that you can count on? —call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. Remember, there's never a fee or obligation to meet with David.

According to a recent study, more than half of Americans age 55 and older don't have a plan when it comes to money after retirement. That's right, more than half! But guess what? You don't have to be one of them! This week, on the David Lukas Show, our host David talks about what steps are crucial to planning a WorryFree® Retirement. Throughout the hour David names and expands upon... The Seven Critical Steps to Retirement: Sign up for Medicare – Eligible at 65 and if you are already signed up to receive SS, then you will already be signed up for Medicare. *Don't forget about PART B- Covers outpatient care. For this there is a short (basically 7 month) window to sign up without gaining a hefty penalty. Working with a Medicare specialist is crucial. Work with a Professional Retirement Income Planner – It is so important to work with someone who understands retirement income planning. In fact, it can be the difference between work after retirement and a WorryFree® retirement. A Professional Retirement Income Planner can also help you implement a proactive withdrawal strategy when it's time to start spending your hard earned money. The Tax Tumor hidden in your 401k – Come retirement, you'll need the funds that you've saved.The lean that the government has put on your 401k has a nasty little surprise that you may not even know is there. The dreaded Tax Tumor. Are you prepared for how much in taxes you will/may be paying on the amount your 401k adds to your income? Social Security – When your are eligible and what you agree to take is important to planning your retirement. A Budget – Planning a budget and keeping with it. Consider an Annuity – Annuities may not be for everyone, but an annuity may just be perfect for you and your portfolio. Minimize Risk – taking more risk than you feel comfortable with near retirement can have a negative impact. Make sure you know who much risk you are actually taking.   To hear David talk and explain all seven important points, listen to the show today! Get the 2017 Social Security Benefits Guide FREE Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit. Did you know that you can ask David your financial/ retirement questions? Email David with your important questions today and tune in to possibly hear your question answered ON THE AIR. The 3 Personalities of Money®: Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

America has spoken and Donald J. Trump is the president elect! So, now what? What does that mean in regards to the economy and your investments with Wall Street? How can/might this affect your life if you are at or near retirement? This week on the David Lukas Show, David first talks about the speculated volatility of our nation's prosperity, in lieu of the recent election. Throughout the hour David explains all the ways that you can secure your money with David Lukas Financial while working within the WorryFree® Retirement system. Subjects touched upon during today's show: Stock Market stability Roth IRA - Roth option (individual and work). Why you should have both and max them out. Specially designed (planned) life insurance. Tax tumor preparation What David Lukas Financial can do for you Listen to the entire show today to hear the valuable professional advice David has to give. Get the 2016 Social Security Benefits Guide FREE Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit. Did you know that you can ask David your financial/ retirement questions? Email David with your important questions today and tune in to possibly hear your question answered ON THE AIR.

Every year thousands of retirees get caught in the pitfall that is collecting Social Security. What many people don't know is that without knowing how to set it up correctly or when you should have all of your preparations finalized you could be setting yourself up for disaster. On this episode of the David Lukas Show, our informative host talks about all the important things YOU NEED TO KNOW about Social Security. Throughout the hour he educates his faithful listeners on the many common mistakes retirees make and what you can do to avoid them. So what are the pitfalls of Social Security you ask: Spousal benefit - Some states don't recognize certain marriages therefore they can't use the spousal benefit Survivor and death benefit - If you remarry before the age of 60—50 if you're disabled—you can no longer receive survivor benefits based on your deceased spouse's work record. The survivor benefit is reduced if you collect before your own full retirement age File and suspend - Doesn't help single people Delayed claiming - If you die before you collect benefits, you and your spouse will miss out on that income Lump-sum payment - Once you get the lump sum, your future monthly retirement benefit is reduced to reflect the amount you already received. Spousal benefit in divorce - You can claim the spousal benefit if you've been married for 10 years or more. But if you remarry, you can not collect the spousal benefit from your ex's work record. Therefore, your spousal benefit will be reduced if you claim earlier than your full retirement age. Benefits while working - If you claim retirement benefits before full retirement age and continue to work, Social Security will withhold a set amount of your monthly payout above a certain annual income. In 2015 it will withhold $1 for every $2 earned over $15,720. Special rules apply for the specific year in which you reach full retirement age.) To hear the insight David has to share on Social Security, listen to the entire show today! Do you have Social Security or retirement questions? If so, call or write in to David Lukas Financial, and possibly get your question(s) answered on the air! Attention Arkansas listeners age 60 and up! Request your FREE 2016 social security guide (44th edition) by calling (501) 218-8880 today! Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It's unlike anything else in the industry. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Life can be scary and/or downright horrific at times—and not just at Halloween! In fact, because there are so many uncertainties surrounding all aspects of our lives it's hard to know just how safe you really are in anything let alone your financial life. But, if you knew that there were certain safe holds to secure your financial future and ensure that you could retire without stress, would you take them? Would you choose a worry-full future or The WorryFree Retirement®? This week on the David Lukas Show, David talks about what may or may not be freaking you out, when it comes to retirement. Throughout the hour David mentions and expands upon... the 13 challenges—in retirement —that may be haunting you: The impending election: what could happen when either candidate wins National debt: the deficit and how high taxes will get to correct it What you don't know about your 401k Having to go back to work Haven't saved enough Worried about a repeat of 2007-8 Skyrocketing health care prices Social Security worries and concerns The tax tumor that awaits after retirement Not being diversified in your investments Continued low interest rates Fees that cripple your savings No plan for retirement Get the 2016 Social Security Benefits Guide FREE Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit. Did you know that you can ask David your financial/ retirement questions? Email David with your important questions today and tune in to possibly hear your question answered ON THE AIR. The 3 Personalities of Money®: Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

“Keep an eye on the stock market from August 1 through October 31. If stocks go up during that three month stretch, expect Clinton to win. If stocks slide, Trump will likely prevail.” —Via Heather Long, CNN.com This week on the dlshowonline.com, David first speculates on all the talk surrounding how the Stock Market is predicting who our next president will be. Apparently, if the market is good, Hillary wins. And if the market takes a hit, Trump prevails. During the hour, our host speaks and expands upon the importance of a well diversified portfolio and how Savers, like you, can predict their own happy future by securing themselves a WorryFree Retirement. Important topics discussed in this episode: Products that are more secure compared to the products that are high risk to market volatility Know what products you have and why you have them It is possible to achieve the same return with less risky investments Index Funds that truly pay off The importance of second opinions Want to know what risks David Lukas Financial can alleviate from your retirement portfolio? Call David, at (501) 218-8880, and set up your Free NO COST appointment today. You won't be sorry you did. *David Lukas Financial is conveniently located right here in North Little Rock, Arkansas. Get the 2016 Social Security Benefits Guide FREE: Listeners aged 60 or older, visit ssbenefitsguide.com to get your FREE, UP TO DATE, Social Security benefits guide for 2016. The 3 Personalities of Money®: Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com Free Annuity Decision Guide: STILL NOT SURE WHAT ANNUITIES ARE BEST FOR YOU? Get the Annuity Decision Guide for Savers today by clicking here!

One of the biggest investment expenses you will face in retirement is taxes. Planning for taxes can impact your long-term return and increase your likelihood of reaching retirement and financial independence. — money.usnews.com This week on the DL Show, our host David Lukas takes the hour to discuss how important tax diversification is and the looming detriment of your retirement accounts NOT being diversified. Important topics discussed in today's show: What is tax diversification How do I diversify my portfolio Tax exempt options/holdings Important tax rate and deduction information Account withdrawal strategies What lost opportunity cost may be costing you DID YOU KNOW… if you have all or most of your money tied up into a 401k waiting to be taxed, after retirement, (or any other government sanctioned— or as David affectionately calls it, tax postponement — retirement plan) all of those funds WILL be subject to taxation at unknown amount? The thinking goes that you will always be in a lower tax-bracket in retirement. However, we don't know what the tax rates will be in the future. Take a look at USDebtClock.org. Where do you think taxes are headed? Consider this, the government is borrowing over $40,000 per second more than they take in tax revenues and approaching 20 trillion in debt (Not including unfunded liabilities). Take a look at the History of tax rates in the U.S. Below. As you can see, they are historically low right now. Learn more about the tax tumor hidden in your 401k right here. What can be done about this? You have options. In fact, David Lukas Financial can help you deal with the tax-tumor head on. To learn more about The WorryFree Retirement®. Call David, at (501) 218-8880, to set up your Free NO COST appointment today. You won't be sorry you did. *David Lukas Financial is conveniently located right here in North Little Rock, Arkansas. The 3 Personalities of Money®: Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com Free Annuity Decision Guide: STILL NOT SURE WHAT ANNUITIES ARE BEST FOR YOU? Get the Annuity Decision Guide for Savers today by clicking here!

“As we peer into society's future, we -- you and I, and our government -- must avoid the impulse to live only for today, plundering for our own ease and convenience the precious resources of tomorrow. We cannot mortgage the material assets of our grandchildren without risking the loss also of their political and spiritual heritage. We want democracy to survive for all generations to come, not to become the insolvent phantom of tomorrow.” ― Dwight D. Eisenhower This week on the David Lukas Show, David talks about all the caveats the government has made concerning your Required Minimum Distribution Amounts in retirement and what you need to know about the many rules that apply. Throughout the hour, David gets into the specifics needed to properly prepare for when retirees start taking distributions from their IRA, SIMPLE IRA, and/or SEP IRA. The mistakes are too costly not to plan properly. Did you know that the IRS deems account holders ultimately responsible for calculating their Required Minimum Distribution (RMD) amounts on their retirement funds—not the account's custodian? Do you know the IRS's rules on Required Distribution Amounts (RDAs)? According to irs.gov... “You cannot keep retirement funds in your account indefinitely. You generally have to start taking withdrawals from your IRA, SIMPLE IRA, SEP IRA, or retirement plan account when you reach age 70½. Roth IRAs do not require withdrawals until after the death of the owner. Your required minimum distribution is the minimum amount you must withdraw from your account each year. You can withdraw more than the minimum required amount. Your withdrawals will be included in your taxable income except for any part that was taxed before (your basis) or that can be received tax-free (such as qualified distributions from designated Roth accounts).” Get All of the important INFORMATION and FORMS needed to properly calculate your Required Amounts HERE. Whose Future Are You Financing? David's first book was a result of His comprehensive study, research and application of economics, banking and our monetary system. Pick up David's book today by visiting the dlshowonline.com store. Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It's unlike anything else in the industry.