December 11, 2025 • 27 mins
#SafeMoney #JonHeischmanSr #AnEducatedrRetirement
In this week's episode host Jon Heischman, Senior talks about being educated heading into and during retirement.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
This is from and episode that orginally aired in January of 2021.
In this week's episode host Jon Heischman, Senior talks about being educated heading into and during retirement.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
This is from and episode that orginally aired in January of 2021.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
People really don't know what their expenses will because they
don't know how long that they're going to live. The
Americans are worried they won't have enough safe for retirement.
Speaker 2 (00:09):
Now more than ever, retirement's going to cost for many
folks over a million dollars. He is no short thing
in investing, but a lot of people think that annuities
may come close to that. It's going to more safe, safe, safe,
safe things that they know.
Speaker 3 (00:22):
If they know they're going to need that money to
supplement their retirement, well then you can't play that rest.
Speaker 2 (00:27):
This is the Safe Money and Retirement Show. But John
Heischman Senior, Founder and partner of Heisman Financial Services serving
the Columbus and surrounding areas. John specializes in educating pre
retirees and retirees about safe money strategies and ideas. Now
it's the Safe Money and Retirement Show. Here's John Heischman, Senior.
Speaker 1 (00:48):
Good morning, this is John Heischmann. I'm your host for
the Safe Money and Retirement Show. Welcome. I want to
talk about a big problem that most retirees have today
and have had. Actually statistics show the majority and that
(01:12):
is education, financial knowledge about retirement planning and That's why
my objective is to first educate, because there's so many things,
so many components that most retirees don't know about. From
(01:36):
my perspective and from the many years of working with
all the clients that I have, particularly in the retirement category,
it's my opinion that the single biggest problem and the
(01:57):
number one cause of people not achieving their financial goals
and their retirement planning is they haven't done the proper
planning for their financial future. It's not their fault because
(02:18):
I feel the whole problem stems from the educational system
that we have that we grew up in. Even though
many of you may not have been in school for
a number of years, doesn't matter. Our educational system is
(02:39):
based on teaching people subjects, many of which I feel
are irrelevant, and many of you listeners have been taught
Latin for example, or trigonometry, certain versions of American history
(03:04):
and so forth. Now I'm not saying this is bad,
it's good. But what about financial matters or the financial
basics to give the student an idea of what to
look for in the future. When and where did anybody
(03:27):
teach us how to take care of ourselves and plan
for the financial future who taught us how to deal
with the real financial issues that we face today. Now,
those of you that like to read, you're going to
find out ideas, educate yourself or many times you may
(03:56):
have learned about financial plan saving for retirement from your parents,
and that's a good thing. But my point is the
majority have not. So I want to provide education things
that I think each prospective client needs to know, whether
(04:20):
you become a client or not, I want you to
be educated. Now. I can send you books, I can
send you articles for you to read, but it does
not replace a one on one conversation. I think a
one on one conversation, a discussion about what you know,
(04:43):
what you don't know, what's available today is even better
than attending seminars. So from an educational standpoint, call me
to schedule a time where we can talk. Products will
not be discussed. I don't sell anything. It's strictly a
(05:07):
meeting to get together. We get to know each other
and talk about things that are on your mind that
you are not aware of and what is available today.
Eight eight eight four two six zero one seven seven.
That's the number triple eight four to two six zero
(05:32):
one seven seven you know, I have spent a lot
of time getting an education, and to this day, other
than what I have learned on my own to become
a professional in the financial field, there is no education
(05:54):
given at any level about how to plan for your
financial future. So I've learned how because that's my profession.
That's what I want to pass on to you. And
it does not matter to me if you're blue collar,
(06:14):
a business owner, corporate executive, a doctor, anything in between.
Most people have not been taught how to take care
of themselves financially. Most people are not taught how to
plan for taxes and inflation. They're not taught about how
(06:41):
to figure out what is needed to make their goals
become a reality. They are not taught about how to
deal with the reality of pain, mortgages, bills, problems that occur,
(07:02):
how the market fluctuates, the bond markets, cash flow budgeting, insurance,
long term care, health care benefits, and on and on
and on. It appears that nobody is teaching this anywhere
(07:24):
in our school systems. Pretty much at any level. Now,
you may obtain a degree in business and finance. If not,
you're on your own. So the bottom line is you've
got to plan your financial situation as carefully as possible
(07:48):
and with as much attention and energy as you would
plan your vacation, and keep in mind it's never too late.
Let's say you've been retired for ten years. There is
always improvement for your plan and definitely adjustments to be
(08:15):
made or planned for in this ever changing world that
we live in. Speaking of vacations, I think everyone would
agree that planning a vacation, while fun and entertainment, is important,
it's not as critical as planning for your financial future.
(08:41):
But a lot of people just don't realize that we
go on vacation, we know where our destination is, when
we're going to leave, when we're going to arrive, and
then figure out what choices we're going to make based
(09:04):
on where we're going on vacation, and if we follow
our plan, our vacation will be successful, come off very
smooth and enjoyable with fun. Are most people doing the
(09:25):
same planning for themselves.
Speaker 4 (09:29):
They're not.
Speaker 1 (09:31):
It has nothing to do with how educated they are,
whether they're smart or not. It all boils down to
being educated about financial matters and how it applies to
your retirement. What we want to do is to take
(09:51):
stock where you are today. Are you taking a look
at what goals that you have, what goals you really want?
Are you developing different strategies and options that might help
you get there and then picking the ones that work
(10:14):
best for you based on your risk tolerance? And one
of the most important things I talked about it a
couple of weeks ago. Are you constantly monitoring and updating
your planning process for the changing tax laws, investment markets,
(10:37):
and government regulations. And if you are, are you working
on this with the same energy and vigor that you
do for planning a vacation. I think that most people
don't plan like this. I mean, I've seen it in
(10:58):
my practice throughout the year years, and that's why most
people don't achieve financial independence or a secure retirement with
sources of guaranteed income. Now, in my opinion, it's really
(11:18):
not all that complicated from a practical standpoint. The details,
of course, can become very complicated, but that's what I
take care of. So the primary and most important thing
to understand as you move forward in retirement is you
(11:40):
have to plan, and you have to be educated in
order to plan. If you're entering retirement or you've been
in retirement for years, it doesn't matter. The best time
is right now to become familiar with what's available for you.
(12:05):
And that all boils down to education. Eight day D
eight four two six zero one seventy seven again triple
eight four to two six zero one seven to seven.
Give me a call. Let's have an educational meeting. I
(12:27):
can bring you up to date, let you know what's
available today, and I can pretty much guarantee there are
new strategies available today that weren't available five years ago,
even three to four years ago. It's very important, it
(12:49):
could very well make a difference. I'm going to take
a break now, so stay tuned. More information is on
its way for the second part of the Safe Money
and Retirement Show. I'll be right back.
Speaker 3 (13:07):
Thanks for listening to The Safe Money and Retirement Show
with John Heisman. For more information, call one eight eight
eight or two six zero one seventy seven. That's one
eight eight eight or two six zero one seven to seven,
or visit their website at heischmanfs dot com. More of
the Safe Money and Retirement Show In a moment.
Speaker 4 (13:34):
Avoiding mistakes can save owners of iras four to oh
one ks and TSP plans as well as other retirement
plans a fortune and taxes.
Speaker 1 (13:50):
Penalties, fees and loads. These potential mistakes are addressed in
the free book entitled Top ten IRA Mistakes. This is
John Heischman from the Safe Money and Retirement Show offering
a complimentary copy by calling eight eight eight four to
(14:13):
two six zero one seven seven again. That's triple eight
four two six zero one seven seven.
Speaker 3 (14:31):
Welcome back to the Safe Money and Retirement Show with
John Heisman. To contact John, the number to call is
one eight eight eight or two six zero one seven seven.
That's one eight eight eight or two six zero one
seven seven. Once again, here's John Heisman.
Speaker 1 (14:48):
Welcome back this morning to the Safe Money and Retirement Show.
I'm your host, John Heischmann. If you just joined me.
The first part of the show, before the break, I
was discussing the importance of being educated and informed as
(15:09):
to your retirement planning. I am here to help you
with your planning from an educational standpoint and being informed.
I feel personal attention one on one is more beneficial
(15:32):
than educational seminars because it's geared towards your particular situation.
You can ask questions and instead of the answers being general,
it is specific to your situation. Eight eight eight four
(15:52):
two six zero one seven seven. Write that number down.
Let me let me know when you would like to
have a discussion. It can be over the phone. My
preference obviously is to get together at your home or
my office, but if you're more comfortable with the phone conversation,
(16:17):
call me at eight eight eight four two six zero
one seventy seven. Along the lines of what I'm discussing
this morning was a survey done by the Retirement Income
(16:39):
Certified Planner Designation program through the American College of Financial Services.
They interviewed one thousand, two hundred and forty four adults,
and these were in the age group of sixty to
(17:03):
seventy five with assets of at least one hundred thousand.
There were thirty eight questions on retirement income planning. The
results I find interesting because seventy four percent failed the
(17:26):
thirty eight question retirement literacy quiz. There was roughly five
percent of the respondents that scored a B or higher
eighty percent and forty seven percent had an average score
(17:49):
of C. When they broke that down into demographics, men
had a score of twenty out of thirty eight on
an average basis, while women had an average score of
(18:09):
sixteen out of the thirty eight questions correct, only eighteen
percent of women passed as opposed to thirty five percent
of men. That is a slight improvement over the last
survey quiz. So that's a good thing, but as you
(18:32):
can see, there's a long way to go. Individuals with
one million of savings assets for retirement performed better. Those
who work with the financial advisor have lower levels of
(18:53):
financial literacy. Now I find that interesting, so and I'm
sure you do two. So what was the reason the
results were? Those that do it yourself would need to
gain more knowledge to make good decisions, while those who
(19:15):
work with advisors retirement planners their relying on their planners
to take care of their retirement planning, so they're not
as apt to seek knowledge education in the area of
(19:35):
retirement planning. Those that have a higher education level and
are informed about financial matters were more likely to identify
willingness to take investment risk, more likely to have a
(19:59):
formal written retirement plan in place, and more likely to
have a long term care plan. Now I say plan,
This long term care plan could be arrangements to self
ensure a long term care policy or one of the
(20:21):
new hybrid contracts where long term care is added to
life insurance and or annuity contracts. Overall, the higher literacy
scores and higher pass rates of this quiz was associated
(20:43):
with high levels of retirement security confidence, which I think
is important. High levels of confidence that they would manage
their own investments throughout retirement. Also, those with higher literacy
scores also found from the quiz it was very important
(21:11):
that their advisor act as a fiduciary and top priority
would be that their advisor educate them on retirement risk.
So I wanted to give you some of the important
(21:32):
results of this survey simply because it goes along with
what I'm discussing on the show this morning today. Retirees
want to be educated, they want to be informed, and
they want to be up to date as to enhancement
(21:55):
changes and improvements to retire planning products. I mentioned hybrid
long term care plans. This is fairly new over the
past years, along with the popularity of guaranteed lifetime income sources.
(22:20):
So if you're not aware or these new ideas, these
new plans have not been brought to your attention as
to how they might fit into your retirement planning. I'd
like to hear from you and we can discuss an
educational meeting triple eight four to two six zero one
(22:45):
seven seven. Once again eight eight eight four to two
six zero one seven seven. I'll give you an example
of an actual situation of a couple I met with.
They're in their late sixties, retired, both are taking Social
(23:11):
Security income, and he has a pension from his employer.
One of the things that I always discuss in retirement
planning is income continuation to a surviving spouse. In my example,
(23:33):
his social Security was quite a bit more than hers,
and the pension option that he elected was one hundred
percent payable to him. He did not elect the joint
and survivor benefit as so many of the pension plans
(23:56):
refer to it. So what we had was a shortage
of income to her if he passes. I worked with
them to make an improvement to their plan so the
income shortage from social Security and the pension could continue
(24:24):
to her her. And the great thing about the income
to her is it is a source of tax free income.
In addition, by repositioning some of her retirement assets. I
(24:46):
was able to give her an additional income source, and
this income source is guaranteed payable to her for the
rest of her life. Several very important changes. They weren't
aware that this could be done or it was available
(25:09):
until we met for an educational meeting to give them
ideas to give them changes and enhancements that are available today.
And I feel it's very important that everybody is updated
and at least is aware of creative planning techniques that
(25:35):
everyone can possibly take advantage of. I'm out of time
this morning, so I want to end by giving you
the number to call one more time eight eight eight
four to two six zero one seven seven triple eight
four two six zero one seven seven. And I also
(25:59):
want to thank you for joining me. I hope you
were educated a little bit this morning and was able
to give you some ideas to think about and how
these ideas might apply to your situation. Tune in next week,
same time for the Safe Money and Retirement Show.
Speaker 2 (26:21):
The Safe Money and Retirement Show John Heisman Senior. To
get in touch with John, call one AA eight four
two six zero one seven seven. That's one triple eight
four two six zero one seven seven For more information
about Heisman Financial Services, visit their website heisman fs dot com.
(26:42):
That's h E I S C h M A n
f S dot com. Join us again next time for
the Safe Money and Retirement Show with John Heisman Senior
People really don't know what their expenses will because they
don't know how long that they're going to live. The
Americans are worried they won't have enough safe for retirement.
Speaker 2 (00:09):
Now more than ever, retirement's going to cost for many
folks over a million dollars. He is no short thing
in investing, but a lot of people think that annuities
may come close to that. It's going to more safe, safe, safe,
safe things that they know.
Speaker 3 (00:22):
If they know they're going to need that money to
supplement their retirement, well then you can't play that rest.
Speaker 2 (00:27):
This is the Safe Money and Retirement Show. But John
Heischman Senior, Founder and partner of Heisman Financial Services serving
the Columbus and surrounding areas. John specializes in educating pre
retirees and retirees about safe money strategies and ideas. Now
it's the Safe Money and Retirement Show. Here's John Heischman, Senior.
Speaker 1 (00:48):
Good morning, this is John Heischmann. I'm your host for
the Safe Money and Retirement Show. Welcome. I want to
talk about a big problem that most retirees have today
and have had. Actually statistics show the majority and that
(01:12):
is education, financial knowledge about retirement planning and That's why
my objective is to first educate, because there's so many things,
so many components that most retirees don't know about. From
(01:36):
my perspective and from the many years of working with
all the clients that I have, particularly in the retirement category,
it's my opinion that the single biggest problem and the
(01:57):
number one cause of people not achieving their financial goals
and their retirement planning is they haven't done the proper
planning for their financial future. It's not their fault because
(02:18):
I feel the whole problem stems from the educational system
that we have that we grew up in. Even though
many of you may not have been in school for
a number of years, doesn't matter. Our educational system is
(02:39):
based on teaching people subjects, many of which I feel
are irrelevant, and many of you listeners have been taught
Latin for example, or trigonometry, certain versions of American history
(03:04):
and so forth. Now I'm not saying this is bad,
it's good. But what about financial matters or the financial
basics to give the student an idea of what to
look for in the future. When and where did anybody
(03:27):
teach us how to take care of ourselves and plan
for the financial future who taught us how to deal
with the real financial issues that we face today. Now,
those of you that like to read, you're going to
find out ideas, educate yourself or many times you may
(03:56):
have learned about financial plan saving for retirement from your parents,
and that's a good thing. But my point is the
majority have not. So I want to provide education things
that I think each prospective client needs to know, whether
(04:20):
you become a client or not, I want you to
be educated. Now. I can send you books, I can
send you articles for you to read, but it does
not replace a one on one conversation. I think a
one on one conversation, a discussion about what you know,
(04:43):
what you don't know, what's available today is even better
than attending seminars. So from an educational standpoint, call me
to schedule a time where we can talk. Products will
not be discussed. I don't sell anything. It's strictly a
(05:07):
meeting to get together. We get to know each other
and talk about things that are on your mind that
you are not aware of and what is available today.
Eight eight eight four two six zero one seven seven.
That's the number triple eight four to two six zero
(05:32):
one seven seven you know, I have spent a lot
of time getting an education, and to this day, other
than what I have learned on my own to become
a professional in the financial field, there is no education
(05:54):
given at any level about how to plan for your
financial future. So I've learned how because that's my profession.
That's what I want to pass on to you. And
it does not matter to me if you're blue collar,
(06:14):
a business owner, corporate executive, a doctor, anything in between.
Most people have not been taught how to take care
of themselves financially. Most people are not taught how to
plan for taxes and inflation. They're not taught about how
(06:41):
to figure out what is needed to make their goals
become a reality. They are not taught about how to
deal with the reality of pain, mortgages, bills, problems that occur,
(07:02):
how the market fluctuates, the bond markets, cash flow budgeting, insurance,
long term care, health care benefits, and on and on
and on. It appears that nobody is teaching this anywhere
(07:24):
in our school systems. Pretty much at any level. Now,
you may obtain a degree in business and finance. If not,
you're on your own. So the bottom line is you've
got to plan your financial situation as carefully as possible
(07:48):
and with as much attention and energy as you would
plan your vacation, and keep in mind it's never too late.
Let's say you've been retired for ten years. There is
always improvement for your plan and definitely adjustments to be
(08:15):
made or planned for in this ever changing world that
we live in. Speaking of vacations, I think everyone would
agree that planning a vacation, while fun and entertainment, is important,
it's not as critical as planning for your financial future.
(08:41):
But a lot of people just don't realize that we
go on vacation, we know where our destination is, when
we're going to leave, when we're going to arrive, and
then figure out what choices we're going to make based
(09:04):
on where we're going on vacation, and if we follow
our plan, our vacation will be successful, come off very
smooth and enjoyable with fun. Are most people doing the
(09:25):
same planning for themselves.
Speaker 4 (09:29):
They're not.
Speaker 1 (09:31):
It has nothing to do with how educated they are,
whether they're smart or not. It all boils down to
being educated about financial matters and how it applies to
your retirement. What we want to do is to take
(09:51):
stock where you are today. Are you taking a look
at what goals that you have, what goals you really want?
Are you developing different strategies and options that might help
you get there and then picking the ones that work
(10:14):
best for you based on your risk tolerance? And one
of the most important things I talked about it a
couple of weeks ago. Are you constantly monitoring and updating
your planning process for the changing tax laws, investment markets,
(10:37):
and government regulations. And if you are, are you working
on this with the same energy and vigor that you
do for planning a vacation. I think that most people
don't plan like this. I mean, I've seen it in
(10:58):
my practice throughout the year years, and that's why most
people don't achieve financial independence or a secure retirement with
sources of guaranteed income. Now, in my opinion, it's really
(11:18):
not all that complicated from a practical standpoint. The details,
of course, can become very complicated, but that's what I
take care of. So the primary and most important thing
to understand as you move forward in retirement is you
(11:40):
have to plan, and you have to be educated in
order to plan. If you're entering retirement or you've been
in retirement for years, it doesn't matter. The best time
is right now to become familiar with what's available for you.
(12:05):
And that all boils down to education. Eight day D
eight four two six zero one seventy seven again triple
eight four to two six zero one seven to seven.
Give me a call. Let's have an educational meeting. I
(12:27):
can bring you up to date, let you know what's
available today, and I can pretty much guarantee there are
new strategies available today that weren't available five years ago,
even three to four years ago. It's very important, it
(12:49):
could very well make a difference. I'm going to take
a break now, so stay tuned. More information is on
its way for the second part of the Safe Money
and Retirement Show. I'll be right back.
Speaker 3 (13:07):
Thanks for listening to The Safe Money and Retirement Show
with John Heisman. For more information, call one eight eight
eight or two six zero one seventy seven. That's one
eight eight eight or two six zero one seven to seven,
or visit their website at heischmanfs dot com. More of
the Safe Money and Retirement Show In a moment.
Speaker 4 (13:34):
Avoiding mistakes can save owners of iras four to oh
one ks and TSP plans as well as other retirement
plans a fortune and taxes.
Speaker 1 (13:50):
Penalties, fees and loads. These potential mistakes are addressed in
the free book entitled Top ten IRA Mistakes. This is
John Heischman from the Safe Money and Retirement Show offering
a complimentary copy by calling eight eight eight four to
(14:13):
two six zero one seven seven again. That's triple eight
four two six zero one seven seven.
Speaker 3 (14:31):
Welcome back to the Safe Money and Retirement Show with
John Heisman. To contact John, the number to call is
one eight eight eight or two six zero one seven seven.
That's one eight eight eight or two six zero one
seven seven. Once again, here's John Heisman.
Speaker 1 (14:48):
Welcome back this morning to the Safe Money and Retirement Show.
I'm your host, John Heischmann. If you just joined me.
The first part of the show, before the break, I
was discussing the importance of being educated and informed as
(15:09):
to your retirement planning. I am here to help you
with your planning from an educational standpoint and being informed.
I feel personal attention one on one is more beneficial
(15:32):
than educational seminars because it's geared towards your particular situation.
You can ask questions and instead of the answers being general,
it is specific to your situation. Eight eight eight four
(15:52):
two six zero one seven seven. Write that number down.
Let me let me know when you would like to
have a discussion. It can be over the phone. My
preference obviously is to get together at your home or
my office, but if you're more comfortable with the phone conversation,
(16:17):
call me at eight eight eight four two six zero
one seventy seven. Along the lines of what I'm discussing
this morning was a survey done by the Retirement Income
(16:39):
Certified Planner Designation program through the American College of Financial Services.
They interviewed one thousand, two hundred and forty four adults,
and these were in the age group of sixty to
(17:03):
seventy five with assets of at least one hundred thousand.
There were thirty eight questions on retirement income planning. The
results I find interesting because seventy four percent failed the
(17:26):
thirty eight question retirement literacy quiz. There was roughly five
percent of the respondents that scored a B or higher
eighty percent and forty seven percent had an average score
(17:49):
of C. When they broke that down into demographics, men
had a score of twenty out of thirty eight on
an average basis, while women had an average score of
(18:09):
sixteen out of the thirty eight questions correct, only eighteen
percent of women passed as opposed to thirty five percent
of men. That is a slight improvement over the last
survey quiz. So that's a good thing, but as you
(18:32):
can see, there's a long way to go. Individuals with
one million of savings assets for retirement performed better. Those
who work with the financial advisor have lower levels of
(18:53):
financial literacy. Now I find that interesting, so and I'm
sure you do two. So what was the reason the
results were? Those that do it yourself would need to
gain more knowledge to make good decisions, while those who
(19:15):
work with advisors retirement planners their relying on their planners
to take care of their retirement planning, so they're not
as apt to seek knowledge education in the area of
(19:35):
retirement planning. Those that have a higher education level and
are informed about financial matters were more likely to identify
willingness to take investment risk, more likely to have a
(19:59):
formal written retirement plan in place, and more likely to
have a long term care plan. Now I say plan,
This long term care plan could be arrangements to self
ensure a long term care policy or one of the
(20:21):
new hybrid contracts where long term care is added to
life insurance and or annuity contracts. Overall, the higher literacy
scores and higher pass rates of this quiz was associated
(20:43):
with high levels of retirement security confidence, which I think
is important. High levels of confidence that they would manage
their own investments throughout retirement. Also, those with higher literacy
scores also found from the quiz it was very important
(21:11):
that their advisor act as a fiduciary and top priority
would be that their advisor educate them on retirement risk.
So I wanted to give you some of the important
(21:32):
results of this survey simply because it goes along with
what I'm discussing on the show this morning today. Retirees
want to be educated, they want to be informed, and
they want to be up to date as to enhancement
(21:55):
changes and improvements to retire planning products. I mentioned hybrid
long term care plans. This is fairly new over the
past years, along with the popularity of guaranteed lifetime income sources.
(22:20):
So if you're not aware or these new ideas, these
new plans have not been brought to your attention as
to how they might fit into your retirement planning. I'd
like to hear from you and we can discuss an
educational meeting triple eight four to two six zero one
(22:45):
seven seven. Once again eight eight eight four to two
six zero one seven seven. I'll give you an example
of an actual situation of a couple I met with.
They're in their late sixties, retired, both are taking Social
(23:11):
Security income, and he has a pension from his employer.
One of the things that I always discuss in retirement
planning is income continuation to a surviving spouse. In my example,
(23:33):
his social Security was quite a bit more than hers,
and the pension option that he elected was one hundred
percent payable to him. He did not elect the joint
and survivor benefit as so many of the pension plans
(23:56):
refer to it. So what we had was a shortage
of income to her if he passes. I worked with
them to make an improvement to their plan so the
income shortage from social Security and the pension could continue
(24:24):
to her her. And the great thing about the income
to her is it is a source of tax free income.
In addition, by repositioning some of her retirement assets. I
(24:46):
was able to give her an additional income source, and
this income source is guaranteed payable to her for the
rest of her life. Several very important changes. They weren't
aware that this could be done or it was available
(25:09):
until we met for an educational meeting to give them
ideas to give them changes and enhancements that are available today.
And I feel it's very important that everybody is updated
and at least is aware of creative planning techniques that
(25:35):
everyone can possibly take advantage of. I'm out of time
this morning, so I want to end by giving you
the number to call one more time eight eight eight
four to two six zero one seven seven triple eight
four two six zero one seven seven. And I also
(25:59):
want to thank you for joining me. I hope you
were educated a little bit this morning and was able
to give you some ideas to think about and how
these ideas might apply to your situation. Tune in next week,
same time for the Safe Money and Retirement Show.
Speaker 2 (26:21):
The Safe Money and Retirement Show John Heisman Senior. To
get in touch with John, call one AA eight four
two six zero one seven seven. That's one triple eight
four two six zero one seven seven For more information
about Heisman Financial Services, visit their website heisman fs dot com.
(26:42):
That's h E I S C h M A n
f S dot com. Join us again next time for
the Safe Money and Retirement Show with John Heisman Senior
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