September 18, 2025 • 27 mins
#SafeMoney #JonHeischmanSr #InvestingStyles
What is your investing style? In this week's episode host Jon Heischman, Senior talks about the different investing styles to help you identify which one is yours and then how to properly plan based on that style.
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
What is your investing style? In this week's episode host Jon Heischman, Senior talks about the different investing styles to help you identify which one is yours and then how to properly plan based on that style.
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
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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.
Speaker 2 (00:06):
The Americans are worried they won't have enough safe for retirement.
Speaker 1 (00:09):
Now more than.
Speaker 3 (00:09):
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 4 (00:22):
If they know they're going to need that money to
supplement the retirement, well then you can't play that rest.
Speaker 3 (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
is the Safe Money and Retirement Show. Here's John Heischman, Senior.
Speaker 2 (00:49):
What investment styles suit you? Good morning, this is John Heischmann.
Let's talk about that as I bring you the Safe
Money and Retirement Show. We are approaching the last quarter
of the year, which is a great time to do
(01:12):
an investment review with your advisor. Consider the investment styles
that best suit your personality in goals. Assessing your preferences
by each style can help you determine which styles best
(01:34):
suit your personality and comfort level. Every investor is different,
so we have to look at what appeals to you.
Active investment is buying and selling investments based on their
short term performance, attempting to beat the average market returns.
(01:59):
Passive investment is buying and holding investments with minimal portfolio turnover.
So we see active managers generally measure their success by
determining how much their portfolios exceed or I should say,
(02:22):
fail to match the performance of a comparable unmanaged index, industry,
or market sector. They also assess portfolio risk and how
successfully they active achieve other portfolio goals. I think this
(02:46):
distinction is important for retired investors who need to manage
risk over shorter time horizons active management, so this may
appeal more to investors who prefer to hold individual securities.
Passive investors rarely trade individual securities. They prefer to hold
(03:13):
investments over a long period of time, or maybe to
purchase mutual or exchange traded investments. Passive investors tend to
rely on fund managers to ensure the fund investments are
performing exactly how they expect managers to replace declining holdings
(03:40):
as needed. And this may sound a little technical, but
the point is your investment portfolio, how is it managed?
Because passively managed funds they're generally going to have lower
feeses and more tax efficient than actively managed funds. With
(04:07):
active investing, you pay for the sustain efforts of professional
investments managers. They're going to specialize in active investing and
for the potential for higher returns than the markets. Investors
considering active management should take a look at after fee returns.
(04:35):
I don't want you to be confused, but again, we
have to make sure these investments are right for you.
So if you're questioning if your investments and retirement accounts
are right for you, I can give you a second opinion,
(04:56):
and it might be right for you. It might not
be right for you, but I think it's important to know.
I'm going to give you a number to call. You'll
leave a message. That message will be forwarded to me
to follow up and talk to you about your investments.
(05:20):
Eight eight eight four to two six zero one seven seven.
That number again is triple eight four to two six
zero one seventy seven. Our firm and I say our
firm because it consists of myself and my son are
(05:44):
independent advisors and planners. My son is the investment specialist
with over twenty years experience, and I think he's very
knowledgeable and easy to work with and also manages my
(06:05):
investments and honestly has done a very good job. So
the message you can leave when you call is interested
in investment review AD eight eight four two six zero
one seventy seven. Do you want growth or value? Are
(06:30):
you more comfortable investing in fast growing firms or underpriced
industry leaders. Growth investors, they're going to seek companies with
high earning growth rates, high return on equity, high profit margins,
(06:53):
and low dividend yields. The basic tenet is that affirm
with these characteristics it's often an innovator. Growth companies generally
reinvest most or all of their earnings to potentially sustain
(07:13):
continued growth in the future. We see value style investors
focus on buying strong companies at reasonable prices. They'll look
for low price to earnings ratio, low price to assets ratio,
(07:34):
and generally higher dividend yields. And this style it's focused
on the price at which investors buy. So we get
into small cap or large cap, you need to know
how risk adverse you are because your answer will determine
(07:57):
your market capitalization style. Market capitalization is the number of
outstanding shares of stock multiplied by the share price. Now,
small cap investors believe smaller companies should deliver better returns.
(08:22):
Why because they have greater growth opportunities and are more agile.
But it's important for the investor to know that this
potential comes with greater risk. Smaller companies have fewer resources
and often less diversified business lines. Share prices can fluctuate
(08:48):
more widely. Now this will generate significant gains or losses
small cap investors, they must be comfortable taking on this
additional risk for potentially greater returns. And a lot has
to do with age and how close you are to retirement.
(09:14):
Because what we see from our clients, their risk tolerance
has a tendency to change as they approach retirement, and
while they're in retirement, we want them to have growth
with an emphasis on preservation to keep what they built
(09:37):
up over the years because of income lasting through retirement.
So if you're more risk adverse, you may be more
comfortable investing in large cap stocks. These are companies that
are more established in their industry and have been around
(09:59):
for a while. They may be unable to grow as
quickly as smaller firms, but they also are more likely
to go out of the business they're in without any warning.
So in return for the potentially lower risk, expect slightly
(10:24):
lower returns with large cap stocks. Every retiree, your investment
style is unique and may not be exactly one or another.
You must have a trusted advisor that's going to help
you mesh your personal styles and investment choices. You need
(10:50):
to be aware of advisor buying and selling with your
approval on all transactions. Visit our website HEISCHMANNFS dot com.
I'll spell that for you h EI S C h
(11:13):
M A n F S dot com. If your advisor
has retired or is no longer in practice, I think
it's imperative that you have someone to work with manage
your investments with constant contact. You don't want to have
(11:39):
a one eight hundred number to call corporate. I refer
to this as a house account, which we see many
times because maybe your account is too small or as
I said, your advice sir may have left the business,
(12:03):
so it doesn't matter how large how small your investments are.
You need an advisor. Eight eight eight for two six
zero one seventy seven. We'd like to hear from you.
That number again is triple eight for two six zero
(12:24):
one seventy seven. It's time for a short break, so
stay tuned. I'll be right back.
Speaker 4 (12:35):
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 seven,
or visit their website at heischmanfs dot com. More of
the Safe Money and Retirement Show in a moment.
Speaker 1 (12:59):
The goals of good retirement planning are to help each
individual to end up with more money at the end
of the day, but also provide more income during retirement,
and this creates a less stressful investment experience. Especially in
(13:22):
times like this, I like to emphasize and stress stronger
financial understanding. Not only could you have greater wealth, more income,
and a better night's sleep, you should also have a
stronger grasp of your own financial standing. With a strong
(13:48):
retirement plan in place, you're going to know exactly what
you can withdraw from your retirement accounts every month you
need to live comfortably and how long your savings is
going to last. This is John Heischman, your host with
(14:09):
the Safe Money and Retirement Show. Eight eight eight or
two six zero one seven seven triple eight or two
six zero one seven seven.
Speaker 4 (14:28):
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 Heischman.
Speaker 2 (14:44):
Welcome back to the Safe Money and Retirement Show. I'm
your host John Heischmann. As a follow up to the
first part of my show this morning about investments, we
need to define your attitude about risk. When you were
(15:07):
in your thirties and forties, it was easy to have
a cavalier attitude about what the stock market was doing,
and you actually had two things on your side. You
had time and a steady income from employment. You had
(15:29):
the time for the market to recover, and you could
write out the ups and downs. It is possible as
you near retirement you no longer have the luxury of time.
It's not feasible for you to wait for the economy
(15:50):
to bounce back or the stock market to write itself.
For example, if you experience a market loss of twenty percent,
you might have to learn to live on the twenty
percent less income for the future. And I'm referring to
(16:14):
a loss of twenty percent in retirement. Prior to retirement,
you didn't have to worry about it because you had
plenty of time to bounce back. And the problem is
what a lot of people don't realize that in order
to recoup the loss of twenty percent, you actually need
(16:37):
a twenty five percent gain. Let me give you an example.
Let's say you had one hundred thousand and you lost
twenty percent. Your new balance is going to be eighty
thousand dollars. If that account grew in the following year
(16:59):
by twenty percent, the account balance would be ninety six
thousand dollars. In the previous years, you had a regular
income stream from employment, and if the need arose, you
could set an additional amount aside to help get your
(17:21):
savings back on track. Working full time earning an income
that you could depend on, most people will have a
totally different attitude about losing that twenty percent because it
didn't affect their potential income. Your biggest producing income asset
(17:48):
was yourself, and once that producing assets stops producing income,
your other assets are too important to leave to chance.
Most retirees are going to need that asset or assets
to produce income during retirement. And I think obviously everybody
(18:14):
realizes that during retirement the paycheck stops and your Social
Security income begins. Any additional income that will be needed
needs to be created by you as a retiree. You
can either create a new stream of structured income from
(18:40):
the assets you've accumulated or from your retirement accounts, but
this can be more complicated than most retirees realize. Every
year those accounts undergo changes the market has gone up
or gone down, or for some amount of interest has
(19:05):
been credited, but you don't know from year to year.
For some accounts, fees will be taken out to cover
expenses and writers. So as a retiree examines their statements,
they need to decide how much to withdrawal to maintain
(19:28):
their standard of living for the upcoming year, factoring in
taxes and inflation and increased healthcare cost. Improvised income it
can be quite dangerous in retirement. Whether the market is
(19:50):
up or down, you will still need income every year.
In a down market, these systematic withdrawal very possibly could
exhaust your retirement assets more quickly than anticipated. And designing
(20:11):
retirement income plans, I see clients feel much more secure
when there is structured income that will create an income
for the rest of their life, which is guaranteed. The
ups and downs of the market will not affect and
(20:35):
has no bearing on this lifetime guaranteed income. So I
want you to give thought to your planning. Is there
sources of guaranteed income on and above social security or
a pension, because typically a retiree is going to need
(21:01):
more than what social security and a pension will provide.
And after you have thought about and taken a look
at what sources of guaranteed income you have, if any,
I want you to call me because I have the
(21:22):
solution on how to structure income during retirement that's going
to be guaranteed for the rest of your retirement eight
eight eight four to two six zero one seventy seven
again triple eight four two six zero one seven seven.
(21:51):
What we want to do is create a product that
specifically addresses these needs and have a proven track record
to provide that guaranteed lifetime income and give you growth,
(22:11):
structured income, lifetime income and a lump sum benefit payable
to your beneficiary upon death. There are a variety of
tools that are designed to do specific things for each retiree.
(22:35):
For example, life insurance pays a lump some amount to beneficiaries.
Checking accounts are used to pay bills and manage short
term cash, Health insurance pays medical bills, and liquidity options
(22:56):
help to prevent taking money out of retirement accounts. And
what I have been discussing plans specifically designed to create
guaranteed income and that income can be immediately upon retirement
(23:20):
or delayed to a specific time in the future. If
income is delayed, each year that it is delayed, it
will increase, which I refer to as a roll up.
As you begin your retirement or maybe you're five years
(23:46):
away from retirement or even more, some form of guaranteed
lifetime income needs to be considered. Potential growth prior to
taking income and during income payouts could increase your value
(24:07):
as well as protecting you from any market risk. Any
gains are locked in prior to and during the income
payout period, which that period is for the rest of
your life. The great thing is today you can manage
(24:28):
your lifestyle, avoid market volatility, and create that lifetime income
by doing some planning, address the possible changes in retirement,
and financially survive even thrive during retirement. The majority of
(24:54):
retirees and retirement plans will include fed some form of
guaranteed lifetime income, so you need to find out as
much as you can prior to retirement or even if
you're in retirement now. I want to give you the
(25:17):
number to call again so I can provide you with
more information, educate you on guaranteed sources of income. Eight
eight eight four two six zero one seven seven. I
offer a really good brochure that you can request. I
(25:43):
can send it to you by regular mail or an
email attachment eight eight eight four two six zero one
seven seven to request your copy. I appreciate you taking
the time to listen to The Safe Money and Retirement Show,
(26:07):
and be sure to tune in next week for more
ideas that will help you have a more secure retirement.
Speaker 3 (26:21):
The Safe Money and Retirement Shoe 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.
Speaker 2 (00:06):
The Americans are worried they won't have enough safe for retirement.
Speaker 1 (00:09):
Now more than.
Speaker 3 (00:09):
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 4 (00:22):
If they know they're going to need that money to
supplement the retirement, well then you can't play that rest.
Speaker 3 (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
is the Safe Money and Retirement Show. Here's John Heischman, Senior.
Speaker 2 (00:49):
What investment styles suit you? Good morning, this is John Heischmann.
Let's talk about that as I bring you the Safe
Money and Retirement Show. We are approaching the last quarter
of the year, which is a great time to do
(01:12):
an investment review with your advisor. Consider the investment styles
that best suit your personality in goals. Assessing your preferences
by each style can help you determine which styles best
(01:34):
suit your personality and comfort level. Every investor is different,
so we have to look at what appeals to you.
Active investment is buying and selling investments based on their
short term performance, attempting to beat the average market returns.
(01:59):
Passive investment is buying and holding investments with minimal portfolio turnover.
So we see active managers generally measure their success by
determining how much their portfolios exceed or I should say,
(02:22):
fail to match the performance of a comparable unmanaged index, industry,
or market sector. They also assess portfolio risk and how
successfully they active achieve other portfolio goals. I think this
(02:46):
distinction is important for retired investors who need to manage
risk over shorter time horizons active management, so this may
appeal more to investors who prefer to hold individual securities.
Passive investors rarely trade individual securities. They prefer to hold
(03:13):
investments over a long period of time, or maybe to
purchase mutual or exchange traded investments. Passive investors tend to
rely on fund managers to ensure the fund investments are
performing exactly how they expect managers to replace declining holdings
(03:40):
as needed. And this may sound a little technical, but
the point is your investment portfolio, how is it managed?
Because passively managed funds they're generally going to have lower
feeses and more tax efficient than actively managed funds. With
(04:07):
active investing, you pay for the sustain efforts of professional
investments managers. They're going to specialize in active investing and
for the potential for higher returns than the markets. Investors
considering active management should take a look at after fee returns.
(04:35):
I don't want you to be confused, but again, we
have to make sure these investments are right for you.
So if you're questioning if your investments and retirement accounts
are right for you, I can give you a second opinion,
(04:56):
and it might be right for you. It might not
be right for you, but I think it's important to know.
I'm going to give you a number to call. You'll
leave a message. That message will be forwarded to me
to follow up and talk to you about your investments.
(05:20):
Eight eight eight four to two six zero one seven seven.
That number again is triple eight four to two six
zero one seventy seven. Our firm and I say our
firm because it consists of myself and my son are
(05:44):
independent advisors and planners. My son is the investment specialist
with over twenty years experience, and I think he's very
knowledgeable and easy to work with and also manages my
(06:05):
investments and honestly has done a very good job. So
the message you can leave when you call is interested
in investment review AD eight eight four two six zero
one seventy seven. Do you want growth or value? Are
(06:30):
you more comfortable investing in fast growing firms or underpriced
industry leaders. Growth investors, they're going to seek companies with
high earning growth rates, high return on equity, high profit margins,
(06:53):
and low dividend yields. The basic tenet is that affirm
with these characteristics it's often an innovator. Growth companies generally
reinvest most or all of their earnings to potentially sustain
(07:13):
continued growth in the future. We see value style investors
focus on buying strong companies at reasonable prices. They'll look
for low price to earnings ratio, low price to assets ratio,
(07:34):
and generally higher dividend yields. And this style it's focused
on the price at which investors buy. So we get
into small cap or large cap, you need to know
how risk adverse you are because your answer will determine
(07:57):
your market capitalization style. Market capitalization is the number of
outstanding shares of stock multiplied by the share price. Now,
small cap investors believe smaller companies should deliver better returns.
(08:22):
Why because they have greater growth opportunities and are more agile.
But it's important for the investor to know that this
potential comes with greater risk. Smaller companies have fewer resources
and often less diversified business lines. Share prices can fluctuate
(08:48):
more widely. Now this will generate significant gains or losses
small cap investors, they must be comfortable taking on this
additional risk for potentially greater returns. And a lot has
to do with age and how close you are to retirement.
(09:14):
Because what we see from our clients, their risk tolerance
has a tendency to change as they approach retirement, and
while they're in retirement, we want them to have growth
with an emphasis on preservation to keep what they built
(09:37):
up over the years because of income lasting through retirement.
So if you're more risk adverse, you may be more
comfortable investing in large cap stocks. These are companies that
are more established in their industry and have been around
(09:59):
for a while. They may be unable to grow as
quickly as smaller firms, but they also are more likely
to go out of the business they're in without any warning.
So in return for the potentially lower risk, expect slightly
(10:24):
lower returns with large cap stocks. Every retiree, your investment
style is unique and may not be exactly one or another.
You must have a trusted advisor that's going to help
you mesh your personal styles and investment choices. You need
(10:50):
to be aware of advisor buying and selling with your
approval on all transactions. Visit our website HEISCHMANNFS dot com.
I'll spell that for you h EI S C h
(11:13):
M A n F S dot com. If your advisor
has retired or is no longer in practice, I think
it's imperative that you have someone to work with manage
your investments with constant contact. You don't want to have
(11:39):
a one eight hundred number to call corporate. I refer
to this as a house account, which we see many
times because maybe your account is too small or as
I said, your advice sir may have left the business,
(12:03):
so it doesn't matter how large how small your investments are.
You need an advisor. Eight eight eight for two six
zero one seventy seven. We'd like to hear from you.
That number again is triple eight for two six zero
(12:24):
one seventy seven. It's time for a short break, so
stay tuned. I'll be right back.
Speaker 4 (12:35):
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 seven,
or visit their website at heischmanfs dot com. More of
the Safe Money and Retirement Show in a moment.
Speaker 1 (12:59):
The goals of good retirement planning are to help each
individual to end up with more money at the end
of the day, but also provide more income during retirement,
and this creates a less stressful investment experience. Especially in
(13:22):
times like this, I like to emphasize and stress stronger
financial understanding. Not only could you have greater wealth, more income,
and a better night's sleep, you should also have a
stronger grasp of your own financial standing. With a strong
(13:48):
retirement plan in place, you're going to know exactly what
you can withdraw from your retirement accounts every month you
need to live comfortably and how long your savings is
going to last. This is John Heischman, your host with
(14:09):
the Safe Money and Retirement Show. Eight eight eight or
two six zero one seven seven triple eight or two
six zero one seven seven.
Speaker 4 (14:28):
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 Heischman.
Speaker 2 (14:44):
Welcome back to the Safe Money and Retirement Show. I'm
your host John Heischmann. As a follow up to the
first part of my show this morning about investments, we
need to define your attitude about risk. When you were
(15:07):
in your thirties and forties, it was easy to have
a cavalier attitude about what the stock market was doing,
and you actually had two things on your side. You
had time and a steady income from employment. You had
(15:29):
the time for the market to recover, and you could
write out the ups and downs. It is possible as
you near retirement you no longer have the luxury of time.
It's not feasible for you to wait for the economy
(15:50):
to bounce back or the stock market to write itself.
For example, if you experience a market loss of twenty percent,
you might have to learn to live on the twenty
percent less income for the future. And I'm referring to
(16:14):
a loss of twenty percent in retirement. Prior to retirement,
you didn't have to worry about it because you had
plenty of time to bounce back. And the problem is
what a lot of people don't realize that in order
to recoup the loss of twenty percent, you actually need
(16:37):
a twenty five percent gain. Let me give you an example.
Let's say you had one hundred thousand and you lost
twenty percent. Your new balance is going to be eighty
thousand dollars. If that account grew in the following year
(16:59):
by twenty percent, the account balance would be ninety six
thousand dollars. In the previous years, you had a regular
income stream from employment, and if the need arose, you
could set an additional amount aside to help get your
(17:21):
savings back on track. Working full time earning an income
that you could depend on, most people will have a
totally different attitude about losing that twenty percent because it
didn't affect their potential income. Your biggest producing income asset
(17:48):
was yourself, and once that producing assets stops producing income,
your other assets are too important to leave to chance.
Most retirees are going to need that asset or assets
to produce income during retirement. And I think obviously everybody
(18:14):
realizes that during retirement the paycheck stops and your Social
Security income begins. Any additional income that will be needed
needs to be created by you as a retiree. You
can either create a new stream of structured income from
(18:40):
the assets you've accumulated or from your retirement accounts, but
this can be more complicated than most retirees realize. Every
year those accounts undergo changes the market has gone up
or gone down, or for some amount of interest has
(19:05):
been credited, but you don't know from year to year.
For some accounts, fees will be taken out to cover
expenses and writers. So as a retiree examines their statements,
they need to decide how much to withdrawal to maintain
(19:28):
their standard of living for the upcoming year, factoring in
taxes and inflation and increased healthcare cost. Improvised income it
can be quite dangerous in retirement. Whether the market is
(19:50):
up or down, you will still need income every year.
In a down market, these systematic withdrawal very possibly could
exhaust your retirement assets more quickly than anticipated. And designing
(20:11):
retirement income plans, I see clients feel much more secure
when there is structured income that will create an income
for the rest of their life, which is guaranteed. The
ups and downs of the market will not affect and
(20:35):
has no bearing on this lifetime guaranteed income. So I
want you to give thought to your planning. Is there
sources of guaranteed income on and above social security or
a pension, because typically a retiree is going to need
(21:01):
more than what social security and a pension will provide.
And after you have thought about and taken a look
at what sources of guaranteed income you have, if any,
I want you to call me because I have the
(21:22):
solution on how to structure income during retirement that's going
to be guaranteed for the rest of your retirement eight
eight eight four to two six zero one seventy seven
again triple eight four two six zero one seven seven.
(21:51):
What we want to do is create a product that
specifically addresses these needs and have a proven track record
to provide that guaranteed lifetime income and give you growth,
(22:11):
structured income, lifetime income and a lump sum benefit payable
to your beneficiary upon death. There are a variety of
tools that are designed to do specific things for each retiree.
(22:35):
For example, life insurance pays a lump some amount to beneficiaries.
Checking accounts are used to pay bills and manage short
term cash, Health insurance pays medical bills, and liquidity options
(22:56):
help to prevent taking money out of retirement accounts. And
what I have been discussing plans specifically designed to create
guaranteed income and that income can be immediately upon retirement
(23:20):
or delayed to a specific time in the future. If
income is delayed, each year that it is delayed, it
will increase, which I refer to as a roll up.
As you begin your retirement or maybe you're five years
(23:46):
away from retirement or even more, some form of guaranteed
lifetime income needs to be considered. Potential growth prior to
taking income and during income payouts could increase your value
(24:07):
as well as protecting you from any market risk. Any
gains are locked in prior to and during the income
payout period, which that period is for the rest of
your life. The great thing is today you can manage
(24:28):
your lifestyle, avoid market volatility, and create that lifetime income
by doing some planning, address the possible changes in retirement,
and financially survive even thrive during retirement. The majority of
(24:54):
retirees and retirement plans will include fed some form of
guaranteed lifetime income, so you need to find out as
much as you can prior to retirement or even if
you're in retirement now. I want to give you the
(25:17):
number to call again so I can provide you with
more information, educate you on guaranteed sources of income. Eight
eight eight four two six zero one seven seven. I
offer a really good brochure that you can request. I
(25:43):
can send it to you by regular mail or an
email attachment eight eight eight four two six zero one
seven seven to request your copy. I appreciate you taking
the time to listen to The Safe Money and Retirement Show,
(26:07):
and be sure to tune in next week for more
ideas that will help you have a more secure retirement.
Speaker 3 (26:21):
The Safe Money and Retirement Shoe 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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