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Maintaining Your Confidence in Retirement- Season 2: Episode 10

With everything that’s been going on these days in the stock market, the economy — the uncertainty of it all — you might think that the confidence of those who are nearing retirement, or who are already retired, would be shaken more than a little bit.  But that’s not entirely true.

The Employee Benefit Research Institute (EBRI) conducted their 30th annual Retirement confidence Survey back in January, and again at the end of March – two very different times. And they found that while overall confidence did go down somewhat, the decline was almost negligible.  Why would that be?

In this week’s episode of Managing Your Financial Future, hosts Johnny Dean and Rick “The Professor” Plum, CFP® talk about reasons why those who have a strategy tend to be less irrational and less afraid of bad market and economic conditions.  They also answer more of your emails, including one about using IRA money to purchase a home.

Important Information:

Variable annuities are long-term investment products designed for retirement purposes. Variable annuities with guarantees are available through optional riders at additional cost. Guarantees are based on the claims-paying ability of the issuer subject to their terms and conditions. Early withdrawals may be subject to surrender penalties and, if taken prior to age 59½, may be subject to an additional 10% federal tax. Annuities are not FDIC insured. Certain terms and conditions apply, so please read insurance company materials carefully. Insurance products offered through Lucia Securities, LLC (CA Insurance Lic. #0H40817).

Before investing, carefully consider a mutual fund’s investment objectives, risks, charges, and expenses. To obtain a prospectus or summary prospectus, which contains this and other information, call your financial advisor. Read the prospectus carefully before investing.

The investment professionals are registered representatives with, and securities and advisory services offered through LPL Financial, a registered investment advisor and member FINRA/SIPC. Lucia Securities, LLC was acquired by LPL Financial August 2020. The investment professionals of Lucia Securities, LLC are now affiliated with LPL Financial and are conducting business using the name Lucia Capital.

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