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Why has my 401K been referred to as America’s biggest disaster? ↴

For decades, people have started a new job and immediately enrolled in their company’s 401k program. It’s the way things are done. Recently, however, there has been a lot of press questioning the value of using your 401 as your primary retirement funding source.

Do you have a 401K? Do you have a company match? Do you know the ins and outs of your 401K? Do you understand how much of your 401K you actually own? Is this the best place to grow your nest egg?

These are just a few of the questions to consider when assessing your 401k and retirement readiness. For more information, watch this video on 401k’s and call our office to schedule a no-obligation meeting with one of our advisors. We look forward to your call!

Are there alternatives to college planning that won’t interrupt my retirement plans? ↴

All too often, we hear from our clients that they have sacrificed their retirement to pay for their children’s college education. At Forward Financial Services, we believe you can have the best of both worlds.

While helping you develop a winning strategy to fund your children’s education, our advisors work diligently to protect what you have worked so hard to achieve for retirement. While there are a variety of plans available to empower your family to afford college, it’s crucial to find the perfect fit. Are there strategies that allow you to fund your college education while never interrupting your retirement savings? Absolutely. At FFS, we would be more than happy to walk you through the available options and to see if your strategy is working to its fullest potential.

For more information, watch this video on college planning and call our office to schedule a no- obligation meeting with one of our advisors. We look forward to your call!

How can I use my mortgage to benefit my financial wealth? ↴

We frequently collaborate with our mortgage affiliates to help clients determine what type of loan is appropriate for them. While many home owners believe that quickly paying off a mortgage is the best option, there may be stronger solutions for your unique situation.

Should you pay off the bank as soon as you’re able, or are you better off putting your hard-earned money in a long-term retirement investment? At FFS, we will help you assess your options and determine the best plan of action. We understand that everyone’s situation is different and needs to be considered on a case-by- case basis. For more information, watch this video on mortgages and call our office to schedule a no obligation meeting with one of our advisors. We look forward to your call!

Hidden ways in which I am transferring away thousands of dollars from my accumulated wealth. ↴

Everyone has their own circle of wealth. No matter who you are or where you are in life, there is one thing no one disagrees with – everyone wants their circle to grow! At FFS, we are truly passionate about finding ways in which you are unknowingly and unnecessarily transferring away your wealth.

As part of our client experience, we will look at the five most common ways in which people are transferring away their wealth, including mortgages, capitol expenses, college spending and more. We will carefully examine these areas to see if there are opportunities to recapture those lost dollars and bring them back to the table.

If we could find you and recapture lost dollars, would you want us to? For more information, watch this video on wealth transfers and call our office to schedule a no obligation meeting with one of our advisors. We look forward to your call!

The living benefits of permanent life insurance and how it can become a winning part of my financial strategy. ↴

Here at FFS, we believe in developing strategies from the beginning with the end firmly in mind. As part of our leading client experience, we frequently discuss the importance of following a process, not a product.

With this philosophy at the heart of approach, we develop a strategy that gives you maximum liquidity, usage and control over your hard-earned money. Have you ever considered using a strategy (such as life insurance) that uses compounding interest to benefit your financial wealth? If not, there may be great opportunity to enhance your overall circle of wealth. For more information, watch this video on the living benefits of permanent life insurance and call our office to schedule a no obligation meeting with one of our advisors. We look forward to your call!

How I can use Social Security as a winning part of my financial plan? ↴

Let’s face it. It’s easy to apply for Social Security benefits, but knowing when to do so is a completely different ball game. There are many factors that must be taken into consideration in order to determine the ideal time to take your Social Security benefits.

Most people begin taking their benefits sometime between the ages of 62 and 70. While age is a key element, we believe it is even more important to see how Social Security benefits will affect your overall financial strategy. At FFS, we can help you identify how much income you will truly need during your retirement and take into account all of your sources of income. Often times, it plays to your advantage to defer taking your benefits until a later age.

We can help you determine the best plan for your retirement strategy and identify when you should start your benefits, how much you will receive in benefits, how post-retirement work will affect those benefits, and much more.