Life teaches us a lesson. Before we lose everything, create a budget and save. It is not late whether you are in the spender group or senior group, let me help you avoid RMD, and being broke or losing money in stocks or other high risk investments. Call for appointment. Connie Dello Buono, retirement plannerContinue reading “From spender at 20 yrs old to senior citizen at 66 yrs old”
Category Archives: long term care
Withdraw a net $75,000 per year from $1 million earning 7.5% in a 0% tax bracket
Teachers, nurses and workers are my heroes. They worked hard and so I pledge to help them with tax free retirement income for life. Whethere you have only $300 per month to save or a $1M to set aside towards a lifetime retirement income, indexing strategy using an IUL will help you withdraw a netContinue reading “Withdraw a net $75,000 per year from $1 million earning 7.5% in a 0% tax bracket”
No retirement income at 65, plan early and review yearly
I met two people this year who had made millions in the past 20 yrs and they are broke now with no retirement income. They prioritize mansions and others before they have ensured their most important asset, their life with sufficient retirement income, money during health threats/long term care, investments with no market risks andContinue reading “No retirement income at 65, plan early and review yearly”
How Can You Receive Nursing Home Benefits Without Losing Your Hard-Earned Assets?
Retirement_Asset_Protection connie dello buono You do not have to lose your hard earned money for lifetime retirement should you need nursing home care. Prepare many years in advance for asset protection and health planning. Government regulations for health care benefits look at your assets 5 years back. Plan for your estate, gifting your children andContinue reading “How Can You Receive Nursing Home Benefits Without Losing Your Hard-Earned Assets?”
Notice Regarding Standards For Medi-Cal Eligibility, Save A Senior
If you or your spouse is in or is entering a nursing facility, read this important message! You or your spouse do not have to use all your resources, such as savings, before Medi-Cal might help pay for all or some of the costs of a nursing facility. You should be aware of the followingContinue reading “Notice Regarding Standards For Medi-Cal Eligibility, Save A Senior”
Long Term Care Planning, Medi-Cal/Medicaid, Estate Planning, Save a Senior
Seminar on Long term care and Medi-Cal/Medicaid Planning is scheduled weekly in the bay area. Contact Connie Dello Buono 408-854-1883 motherhealth@gmail.com for group or one on one introduction and info sharing. CA Life Lic 0G60621. 1708 Hallmark Lane San Jose CA 95124 We help you in form of education understand the government regulations. Help youContinue reading “Long Term Care Planning, Medi-Cal/Medicaid, Estate Planning, Save a Senior”
401k Fallout
Turning 50? it is not late to prepare for your retirement savings plan
A senior costs her three homes to pay for 15yrs of staying in a care home facility.She has no retirement savings, long term care or other means of generating income. Her diabetes caused her death after 15 yrs in a care home with not enough exercise and motivation to eat healthy food even when theContinue reading “Turning 50? it is not late to prepare for your retirement savings plan”
To retire or not to retire overseas
Some of my friends want to retire outside of the USA for cost reasons. I cannot retire in the Philippines although it will only cost me less than $500 to survive comfortably in the rural areas close to nature and island surrounded by white sand beaches and fresh food. I have to live close toContinue reading “To retire or not to retire overseas”
Do you need a financial planner?
Good leaders know when to delegate, and when to seek expert opinions. So as the leader of your personal finances, you shouldn’t be afraid to consult a financial planner–when appropriate. Here are ten scenarios to help you determine when it makes sense to hire a professional to provide investment and financial advice. Planners typically chargeContinue reading “Do you need a financial planner?”
Inherited IRAs are taxable, Roth IRAs and Index Universal Life Policies are tax-free retirement funds
Supreme Court has ruled that inherited IRAs are not retirement funds, are taxable and creditors can find it (even when the owner shielded it inside a trust). Call Connie Dello Buono 408-854-1883 motherhealth@gmail.com for IUL with zero market risk, tax free and with living benefits , access to funds when health threats occur. Returns fromContinue reading “Inherited IRAs are taxable, Roth IRAs and Index Universal Life Policies are tax-free retirement funds”
Cost of waiting
A 45-yr old doctor who bought an IUL policy for cash accumulation, health benefits and death benefits vs a 47 yr old doctor. ———- Call Connie Dello Buono 408-854-1883 motherhealth@gmail.com CA Life Lic 0G60621 for an IUL policy with tax free accumulation with living benefits for terminal, chronic and critical illness added at no costContinue reading “Cost of waiting”
What my parents thought me about finance
My father did not teach me how to leverage my money or assets to control another asset or make my money work for me by compounding and setting aside a long term savings plan with no market risk. He likes to take a risk and my mom cares for necessities and not investments. Like anyoneContinue reading “What my parents thought me about finance”
A recession is when your neighbor loses his job and a depression is when you lose your job
The difference between the two terms is not very well understood for one simple reason: There is not a universally agreed upon definition. If you ask 100 different economists to define the terms recession and depression, you would get at least 100 different answers. I will try to summarize both terms and explain the differencesContinue reading “A recession is when your neighbor loses his job and a depression is when you lose your job”