Going After The Adventure

CLICK picture to play video...



Subscribe to my YouTube Channel 


Open An Account Today..! CLICK HERE

Open An Account Today..! CLICK HERE

© 2017 McNally Patrick Daniel CRD #154642 is a Registered Investment Advisor in the State of CA, DBA Retirement Lifestyles Advisory Group. Advisory Services provided by Betterment LLC, an SEC Registered Investment Advisor, member FINRA/SIPC. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance never guarantees future results.


CA Insurance License 0C76421

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

The Top 5 FEARS Heading Into Retirement

What are you afraid of heading into retirement? Now everyone is an individual and has different goals of what they want to do in retirement, but believe it or not, most people worry about the same 5 things. Join me as I walk through each of them and give you tips and strategies on how you can overcome that fear and live the retirement you always dreamed of. CLICK the picture to play the video...




© 2017 McNally Patrick Daniel CRD #154642 is a Registered Investment Advisor in the State of CA, DBA Retirement Lifestyles Advisory Group. Advisory Services provided by Betterment LLC, an SEC Registered Investment Advisor, member FINRA/SIPC. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance never guarantees future results.
 
CA Insurance License 0C76421

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

Can Good Health, Lead to More Wealth..?

Click the video below to find out...



DOWNLOAD YOUR FREE COPY OF THE WORKBOOK TODAY..!

DOWNLOAD YOUR FREE COPY OF THE WORKBOOK TODAY..!



OPEN YOUR OWN BETTERMENT ACCOUNT TODAY..!

OPEN YOUR OWN BETTERMENT ACCOUNT TODAY..!


© 2017 McNally Patrick Daniel CRD #154642 is a Registered Investment Advisor in the State of CA, DBA Retirement Lifestyles Advisory Group. Advisory Services provided by Betterment LLC, an SEC Registered Investment Advisor, member FINRA/SIPC. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance never guarantees future results.
 
CA Insurance License 0C76421

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

What's Your Financial Personality..?

Press Play Below to Find Out.



CLICK TO SUBSCRIBE 

CLICK TO SUBSCRIBE 

SET UP AN ACCOUNT TODAY..!

SET UP AN ACCOUNT TODAY..!

DOWNLOAD YOUR FREE COPY OF OUR WORKBOOK

DOWNLOAD YOUR FREE COPY OF OUR WORKBOOK

© 2017 McNally Patrick Daniel CRD #154642 is a Registered Investment Advisor in the State of CA, DBA Retirement Lifestyles AdvisorS. Advisory Services provided by Betterment LLC, an SEC Registered Investment Advisor, member FINRA/SIPC. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance never guarantees future results.
 
CA Insurance License 0C76421

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

How to Pass on an IRA WITHOUT uncle sam taxing it to death..!

Play the video below...

Get Started Today 

Get Started Today 

© 2017 McNally Patrick Daniel CRD #154642 is a Registered Investment Advisor in the State of CA, DBA Retirement Lifestyles Advisory Group. Advisory Services provided by Betterment LLC, an SEC Registered Investment Advisor, member FINRA/SIPC. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance never guarantees future results.
 
CA Insurance License 0C76421

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

What Makes the Markets Go Up and Down..?


© 2017 McNally Patrick Daniel CRD #154642 is a Registered Investment Advisor in the State of CA, DBA Retirement Lifestyles Advisory Group. Advisory Services provided by Betterment LLC, an SEC Registered Investment Advisor, member FINRA/SIPC. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance never guarantees future results.
 
CA Insurance License 0C76421

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

What's the Number 1 Obstacle to Building Wealth?

Video Transcript:

Hi Patrick here with Retirement Lifestyles advisory group where it’s all about having the health wealth and freedom to live your dream retirement. And today’s quick tip is all about… The number one obstacle to building wealth. 

As you start to accumulate and build wealth you’re going to encounter obstacles over time. So here’s a question for you. What do you think is the number one obstacle to building wealth? The answer may surprise you.

Whenever I ask people that question, I always get answers like, the economy, or taxes, a bad stock market or the president! While all of those are obstacles sometimes, the number one obstacle getting in your way to building wealth… is you.

Sorry, sometimes the truth hurts. But without question, procrastination is the most common cause of financial failure. We’re all guilty of it in some fashion or another… oh I’ve got plenty of time, I’ll do that next year. And then one year turns to two and then to ten really quickly.

Let me illustrate with a short story.

Suppose there were two twin siblings, Jack and Jill who both invest in Individual Retirement Accounts earning 8% a year.

Jill, subscribed to my youtube channel, and faithfully listened to my radio show, and at the age of 20 she stuffs three thousand dollars a year into her IRA , and continued for the next ten years until she got married at the age thirty and she never added another penny. For a total investment of thirty thousand dollars.

Jack,  just deleted my videos and never downloaded any of my free reports and checklists from the website basically screwing around for ten years. But he finally wised up at age thirty and started socking away three thousand dollars every year for the next thirty five years. His total investments were one hundred and five thousand dollars.

So, who do you think will have more money when they retire at 65 years old? Jack or Jill?

In this case, the early bird will always be ahead. Jill reaches age 65 with more than $642,000, while her brother will have a little under $514,000.  Jill has an extra $128,000, even though she only invested for a total of ten years. It was all because of the power of compound interest and the fact that she started ten years earlier.

Of course, it's far better to start early AND keep it adding money. What if Jill had gotten married but kept adding three thousand dollars a year to her IRA until retirement, she would of ended up with nearly one point two million dollars. Twice as much.

So what’s the moral of this story? It’s simple, watch my videos, listen to my radio show and download all my cool stuff and you’ll be good to go..! Wait, rewind that.

So what’s the moral of this story? In order to put the power of compounding interest on your side, don’t wait, start saving today! Even if you start with just ten bucks a month. Make it a habit. Set it up on auto deposit, and then continue to up the amount every month until it starts to hurt. Then, when it no longer hurts…. You guessed it, up the amount some more. Get to a point where you can max out your retirement plans and you’ll be well on your way to a great retirement.

If you have any questions or feel like you want some personal help, let’s have a phone call and talk about your goals. Go ahead and click the link in your email or down in the video description that says “I would like to schedule a call with Patrick” and it will bring up my personal calendar where you can reserve a phone call with me.

There’s no charge for the call and you don’t need to worry about sending me any personal information or account statements.

Be sure to subscribe to my youtube channel Retirement Lifestyles Tv, you can click the little logo button in the lower right hand corner of this video.

You can also check us out on facebook, at retirement lifestyles advisory group, be sure to follow and like our page.

And if you’re lucky enough to live in the north state, be sure you tune in to my radio show Retirement Lifestyles every Saturday morning at 9am on news talk 1057 KQMS.

Thanks for watching today’s quick tip, be sure to click the like button, feel free to share it and post any comments or questions that you have.

And I wish you the best in retirement!

© 2017 McNally Patrick Daniel CRD #154642 is a Registered Investment Advisor in the State of CA, DBA Retirement Lifestyles Advisory Group. Advisory Services provided by Betterment LLC, an SEC Registered Investment Advisor, member FINRA/SIPC. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance never guarantees future results.
 
CA Insurance License 0C76421

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

How to Get Tax Free Income in Retirement

Video transcript:

Hi Patrick here with Retirement Lifestyles advisory group where it’s all about having the health wealth and freedom to live your dream retirement. And today’s quick tip is all about… How to get tax free income in retirement

How would you like to get to retirement and pay no taxes on the income from your retirement plans? 

I’m not foolin… The Roth IRA is a favorite among savers who use it, and for good reason. Whether you’re 25 or 65, this retirement vehicle can offer major benefits and tax advantages.

You can still contribute the same amounts to a Roth IRA as a Traditional one, but the significant differences between the Roth and its traditional counterpart is when you pay taxes and how much money ultimately goes to Uncle Sam.

Financial planners routinely say younger people should invest in a Roth because they would benefit most from its many wonderful qualities. But the truth is, Roth IRAs are a good choice for people of all ages.

Here are three great reasons to consider the Roth IRA.

1)      You get tax-free income in retirement

With Roth IRAs, savers get a tax-free stream of income in retirement. And it's not just the contributions that come out tax-free. Uncle Sam doesn't lay a finger on any of the earnings or growth. That can make for a pretty sweet deal when you're talking about decades of your investments compounding.

The only catch is that you pay income tax on your contributions upfront.

Unlike the traditional IRA, which gives investors a tax deduction for the year the contribution is made, the Roth version lets savers contribute after-tax money today and withdraw principal and earnings tax-free later on. The roth lets you pay taxes on the seed instead of the harvest.

2)      No More RMD’s                                      

With a traditional IRA, when you turn seventy and a half years old, you’re forced to take RMD’s or required minimum distributions whether or not you need the money, and pay taxes on it. Depending on your other income amounts, you could potentially find yourself in a much higher tax bracket. Which means you pay higher taxes on all your income.

But, the Roth IRA has no required minimum distributions because you’ve already paid all the taxes. That means you can live to 120 without ever tapping your Roth IRA.

3)      Your heirs benefit

The hands-off approach the IRS takes with Roth IRAs is beneficial for your heirs as wellyou’re your plan is to leave behind an inheritance, how about leaving your beneficiaries a tax-free income that can be stretched over their entire lifetime.

**Let me give you an example. If you left a hundred thousand dollars to your 1 year old granddaughter and she only withdrew the minimum required by the IRS each year. That hundred thousand dollars would actually pay her over eight million dollars over her lifetime. And if it was a roth IRA… it would all be tax free.

Pretty cool huh? Thanks grandma!

Yes, the Roth IRA can be a really powerful planning tool.

But remember, all great Retirement Lifestyles begin with a plan. Do you have a plan, or just some ideas floating up inside your head? My dad always said, You can’t hit a target you can’t see. What you need is a written workbook that lays out all the steps to build the foundation for your successful retirement. Would you like to have a copy of that workbook?

I want to give you a FREE copy of my Retirement Lifestyle workbook to help you start laying your foundation. Click the link below or in the description to get your free copy today.

If you have any questions or feel like you want some personal help, click the link that says “I would like to schedule a call with Patrick” and it will bring up my personal calendar where you can reserve a phone call with me and we can discuss your situation and you can ask me any question you want.

There’s no charge for the call and you don’t need to worry about sending me any personal information or account statements.

Be sure to subscribe to my youtube channel Retirement Lifestyles Tv, you can click the logo button in the lower right corner of this video.

You can also check us out on facebook, at retirement lifestyles advisory group, be sure to follow and like our page.

And if you’re lucky enough to live in the north state, be sure you tune in to my radio show Retirement Lifestyles every Saturday morning at 9am on news talk 1057 KQMS.

Don’t forget to download your free copy of my retirement lifestyle workbook.

Thanks for watching today’s quick tip, be sure to click like button, feel free to share it and post any comments or questions that you have.

And I wish you the best in retirement!

** Hypothetical example, based on IRS life expectancy tables and 81.6 years of growth at 8% annual interest.

© 2017 McNally Patrick Daniel CRD #154642 is a Registered Investment Advisor in the State of CA, DBA Retirement Lifestyles Advisory Group. Advisory Services provided by Betterment LLC, an SEC Registered Investment Advisor, member FINRA/SIPC. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance never guarantees future results.
 
CA Insurance License 0C76421

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

Member Login
Welcome, (First Name)!

Forgot? Show
Log In
Enter Member Area
My Profile Not a member? Sign up. Log Out