The Safe Retirement Money Guy’s Podcast
Bill is a Certified Financial Fiduciary and upholds the highest standards of honesty, fairness, integrity and professionalism. Bill is a native Floridian and was transferred to Michigan in 1995 by his employer at the time, NBD Bank. Bill and his wife Charlotte have been married 41 years and have four adult children and three grandchildren. Bill received his Bachelor of Science Degree from Florida State University with a major in Finance and a minor in Real Estate. Bill has been helping clients manage their financial lives since 1988. Bill spent 13 years in banking as a Trust Officer in Florida and Michigan, 5 years as a broker with Smith Barney in Troy, MI and has owned his own firm since 2004, located in Almont, MI which is 40 miles north of Detroit. At the end of 2014 Bill exited the securities side of his practice to offer only “Safe Money” programs for his clients. While offering “At Risk” investments such as mutual funds, ETFs and individually managed portfolios of stocks and bonds as a licensed securities advisor, and now as a “Safe Money” professional exclusively, Bill has always put his clients’ interests first. While securities licensed, Bill maintained a perfectly clean record with FINRA, which you can check for yourself by going to FINRA Broker Check.
Episodes
Introducing the concept of fixed indexed annuities, Bill offers a solution that provides opportunities for market-based gains without risking losses. He highlights the importance of safeguarding retirement income against longevity risk, emphasizing the need to live retirement to its fullest potential without financial constraints.
Listeners are encouraged to envision a retirement plan with a guaranteed income floor, providing peace...
Bill begins by highlighting the pitfalls of traditional financial planning, where questions about risk tolerance often overshadow crucial inquiries about income needs and guarantees. Drawing parallels between college degree planning and retirement planning, he stresses the necessity of prioritizing financial security over arbitrary investment decisions.
Title: "Don't Worry, Be Happy: Securing Your Retirement with Fixed Annuities"
Summary: Step into the world of guaranteed retirement happiness with host Bill Duggan on the Safe Retirement Money Guy podcast. In this episode, Bill expertly weaves together insights from Bobby McFerrin's timeless anthem "Don't Worry, Be Happy" with the practical wisdom of retirement planning.
As Bill reflects on McFerrin's song and its universal appeal,...
In this episode, Bill delves into the prevalent yet often misunderstood concept of spend down income planning. He reveals the flaws in traditional spend down strategies, emphasizing the speculative nature of growth estimates and the risks associated with market-based accounts. Bill contrasts this with annuity-based income planning, which offers contractually guaranteed outcomes, ensuring financial security without reliance on uncer...
In this episode, Bill delves into the transformative potential of fixed indexed annuities, shedding light on how these insurance products can shield your retirement funds from the uncertainties of the market.
Host Bill Duggan invites listeners to ponder the contrast between the thrill of success and the agony of loss within the confines of a casino. Drawing a parallel to the unpredictability of market investments, the episode challenges conventional wisdom by proposing a retirement strategy that shields one's hard-earned savings from the relentless whims of market volatility.
Listeners are encouraged to rethink traditional investment strategies that rely on complex financial instruments and instead consider simpler, more secure options. The episode underscores the significance of proactive financial planning, emphasizing the value of protecting retirement savings from unpredictable market forces.
Bill discusses the importance of understanding how to take your social security benifits.
Bill discusses the importance of considering long-term care when planning for your retirement.
Bill compares some retirement plans to the game show Deal or No Deal.
Bill discusses how he likes to look at saving for retirement as a plan for living, rather than a plan for dying.
Bill Duggan Happy New Year 2024
Lets hear about propaganda in the financial world.
What is the definition of insanity?
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