Reduce Your Financial Risk In Retirement
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Fairway Financial Can Help You Plan For Retirement
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Steven M. Anzuoni, RICP®
Retirement Income Certified Professional®
A graduate of Norwich University, Steve began his insurance and financial planning career in 1986 with John Hancock. As a member of Super Achievers and the Presidents Club, he was among the top 5% of Hancock representatives across the Country.
In 1999, Steve became an insurance Broker and formed fairway Financial to more objectively serve his clients. Since that time, he has conducted hundreds of financial seminars to address the importance of establishing a more effective retirement planning strategy taking into account social security, the impact of taxes, legacy planning, asset protection, and providing guaranteed income for life. He holds his individual and corporate life and health Brokers license in the state of MA. Steve also holds his RICP® designation from the American College.
Steve is host of Safe Money Radio on WXTK 95.1 FM on Cape Cod, co-authored a book on safe money investing, and has been quoted in financial publications and routinely appears on NECN cable News TV.
Steve resides in Plymouth with his wife Tracy and has 2 children, Michael and Derek. He enjoys golf, hockey and volunteering his time with young athletes.
Whether you are still actively working, or recently retired, we can help you create clearly defined retirement strategies that will help you protect your wealth, provide guaranteed income for life, and provide a legacy for your family. We are committed to earning your trust by thoroughly understanding your goals and dreams and helping you gain greater financial confidence.
PROTECTING ASSETS ● PROVIDING INCOME ● PRESERVING DIGNITY
Fairway Financial does not provide tax or legal advice. You are encouraged to consult your tax advisor or attorney. Guarantees and protections provided by insurance products are backed by the financial strength and claims paying ability of the issuing insurance carrier. This product will not meet the particular needs of every individual situation. Seek the guidance of an Insurance Professional.
What We Offer
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!
We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the unsurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.
Contact our office today to schedule a one-on-one estate planning consultation.
Here are four things you can do with the money in your employer sponsored retirement plan:
- Leave the money where it is
- Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
- Transfer the money to another employer-sponsored plan (if the plan allows)
- Roll the money over to a self-directed IRA
Let us help you determine if a rollover is the right move for you!