Assistance With Your 401k Rollover
Honest Answers To Your Questions
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Looking for Help With Your 401k Rollover?
Compare the Best 401k Rollover Options and Annuities with Steve Jurich: Fiduciary, Investment Manager, and Certified Income Specialist®.
The right annuity in retirement can change your life, but there are over 1200+ annuities to choose from. The right annuity can lock in lifetime guaranteed income and grow without losses to help avoid financial stress. Therefore, it’s smart to compare annuities with someone who cares about your outcomes and has the resources to take care of your needs. Here’s how to avoid the “car lot’ buying experience and find the right annuity for you that pays the most, costs the least, protects your principal, and protects your heirs.
Cut through the annuity haze that floods the internet and confuses almost everyone.
Learn how to protect your principal from market loss while capitalizing on market index gains.
Avoid paying adviser fees and management fees. Get the guidance you’re looking for to help you make the right decision, without being charged.
Eliminate the well-known annuity “duds”, and choose the best annuities available with worry-free comparison and no sales pressure.
Be treated with respect. You’ll be treated like family because we are family owned and family operated.
Above: Why does the internet make choosing the right annuity so complicated?
Read Steve’s letter to those who want to Retire and Stay Retired
401k Rollover in 3 Easy Steps
No Adviser Fees & No Management Fees
15 Minute Phone Call
Get the opportunity to get your questions answered by Steve and start to discuss different 401k Rollover Options that exist on the market today.
Get a complete review of your retirement needs and goals as they relate to your 401k Rollover. Receive detailed education on what’s available on the market and clarity from Steve about what each option provides.
Together we’ll develop a retirement plan to help you retire and stay retired. Once we arrive at the retirement strategy that is best suited for you, we go to work together to make it reality.
Want to Learn More?
Read Steve’s letter to those who want to Retire and Stay Retired
Get a 401k Rollover Plan
After filling out the form below, you’ll receive a call from Barb to schedule a good time for a phone call with Steve, or if you prefer, a visit to the Office to meet in person. Steve is prepared to answer all of your questions. Heck, even if you ran into him at the grocery store, he’d be ready. Helping people secure their retirement is what Steve does best. He’s here for you.
A Letter From Steve to those who want to Retire and Stay Retired
First, I just want to congratulate you on planning ahead for your retirement and realizing that protecting what you already have is just as important as trying to make more. Many people, who are fortunate enough to own pensions when they retire, don’t “sweat” market crashes because their income keeps rolling in, rain or shine. But what if you don’t have a pension, and you would like one?
By exploring the innovative new world of next generation annuities, you can give yourself that same financial peace of mind. Making sure that you have the guaranteed income you need to live your retirement without fear of market loss is a good thing and a smart thing. Mostly, just the fact that you are thinking about this puts you ahead of the vast majority retirees who will get caught “watching the paint dry.”
In a very real sense, they’ve truly earned retirement. But retirement is not all sunshine and lollipops. Without a plan for all that could go wrong, it is hard to make most things go right. It’s sad that many people don’t plan for market downturns with easy shifts in their allocations. Instead, they end up getting hit hard with unexpected and prolonged market crashes that inevitably come their way.
Boy, wouldn’t it be nice if we didn’t have to plan for recessions, inflation, or market crashes? If only the market would cooperate and just always be rising. Our bank accounts would just go up and up and up and up…
But we all know that governments will overspend, markets will overbuy, and things eventually run into the ditch.
Which brings us to what a successful financial plan for retirement is all about. It isn’t just how much money you HAVE, it’s really about how much money have coming in and how reliable that income is.
Wouldn’t it be nice if everyone had a pension that kicked in when they retired?
But the truth is that fewer and fewer people don’t have a pension and even the ones that do, need more income for retirement to feel really secure.
Now, many people do have an IRA, 401k, 403b, or TSP plan and it provided a way to grow their personal wealth by contributing part of every paycheck for thirty years or more. These are all great options for getting TO retirement.
If you have a solid amount saved in your retirement plan, It warms my heart to hear this, because it means that I’m talking to someone who knows how to stick with discipline, and has planned ahead. Your discipline got you to retirement just fine. The next challenge, I know you’ll agree, is getting THROUGH retirement.
Now, there are two types of financial plans:
“Hope So” plans and “Know So” plans.
A “hope so” plan would be one that is optimistic at the core, and still carries an unreasonable or inappropriate amount of risk based on a person’s current stage of life. The risks are either accepted or ignored.
A “know so” plan is one that confronts the problem and seeks to solve it. It realizes that the stock market, although filled with opportunity, also carries a great deal of risk. For a person of thirty-five, a correction of 40% or 50% is an opportunity. Throw more money in would be my advice. For a person of 55 or 65 drawing income from their investments, a crash of forty or fifty percent is a disaster. Yes, markets come back, but they won’t always snap back like the Covid 19 recovery. During your thirty or forty years of retirement, you may experience three or four “whoppers”—category 5 hurricanes. They don’t come back so fast.
Therefore, it is my belief—shared by a growing number of retiring engineers, teachers, physicians, business owners, tech workers and health care workers—that it is wise to reduce your risk at retirement. It is fine to keep money in the market inside your “growth bucket”, but is very smart to section off and dedicate a big part of your life savings toward income and preservation. Let the storms come—your retirement is still intact.
Remember: the day you retire is the day you leave the accumulation phase of your life, and enter the preservation phase. Those who missed this idea when they retired in 1999 or 2007 paid a dear price.
So, if it is not the wisest idea to keep all our money at risk in retirement, where can we put money to keep it safe, keep a lasting income rolling in, and protect our heirs? The answer, once upon a time, was government bonds. They once paid 7%. A million dollars in treasury bonds once yielded $70,000 a year. Today, the yield is less than one percent. A million in treasury bonds today yields more like $7,000! No one wants to tie up money at rates so low.
Now you know why logical people are turning to annuities. Every year, more than $200 Billion in annuities are acquired. Annuities are issued by state regulated, state audited life insurance companies with an excellent safety record.
So, if you find yourself considering annuities, you are being logical. That said, getting overwhelmed by poor information can happen easily. Type in the word annuity into google, and there are more than 300,000 pages to explore. Wow. How does a person consume and digest that much information? Especially when the decision on where to place the money that must last the rest of your days is so important.
Let’s do a quick overview to help you eliminate hours of searching. It’s very important to understand there are 4 very distinct categories of annuities and they aren’t all created equal, nor do they behave similarly. Selecting the wrong type of annuity is where things get sticky. With over 1200 annuities on the market today, and hundreds of agents in your area, its hard to jump right in and feel confident.
After all, we’re talking about one of the most important financial decision of your life, involving the protection of everything you’ve worked for. So…yeah. It’s not something you want to guess on.
Getting the right annuity can change your life and make your retirement. Imagine a secure IRA ROLLOVER that combines the power of a pension, yet allows you to grow your money without market losses. Your principal is protected against loss 24/7 yet you are able to share in upward gains of a select market index–without a cap.
You go up with your money, never down, forward never back, staying in control of your principal always—the insurance company does NOT keep your money when you die.
…when crazy market events come along, we learn how vulnerable we really are. Having a floor under your money in retirement is not only smart, it is now NECESSARY. Now is the perfect time to make your move to safety, preservation, income, and upside potential without the risk of market loss.
The world is getting crazier and you aren’t getting younger. Get some guarantees for you and your spouse that won’t get blown away in the next crash.
The first step in building a plan to withstand the 2020s is to build a firewall between RISK you are taking in the market– and the money you can’t afford to lose under any circumstances. Many investors unfortunately throw all their money into one big pot of non-guaranteed, flimsy mutual funds. When a crash comes, they’re devastated.
A better strategy is to dedicate a share of your funds from your portfolio to a high quality NEXT GENERATION lifetime retirement annuity that won’t lock up your money, yet will pay you much more income using fewer dollars than any bond —In fact you can own a lifetime income for two people of from five to nine percent depending on age and deferral period.
Some investors tend to ride stocks up, then ride stocks down—then retire, only to find themselves withdrawing steady income from a declining balance. This leads to a very poor, worry-ridden retirement. Instead, why not plan to have more money coming in than you can spend—without worrying if you will run out?
With the IQ WEALTH SMARTER BUCKETING system, each dollar in your portfolio has a job to do. It is a Know So plan.
Your high income NEXT GENERATION annuities combine with your social security to keep the income pouring in to your checking account, rain or shine. In a separate bucket, you own well chosen investments for pure growth.
You may be thinking that an annuity is a possible fit for your financial plan. Caution: not all annuities are alike just like there are Fords, Chevy’s, and Tesla’s. Frankly, the reality is that there are a lot of “turkeys” out there. I want you to steer clear of those. Unfortunately, you need to be careful because many agents—as polite and nice as they sound– are just looking for a sale. It’s not always their fault. Some are inexperienced and lacking in deeper knowledge.
With more than 25 years experience, our unique system compares annuities on five key factors. The result: we reject more than 98% of all annuities on the market today. Fewer than two percent of annuities make my recommendation list. I rank annuities based on rate of income, lowest fees, index growth potential, special features like long term care, protection for heirs, and company ratings with AM Best and Standard & Poors.
Did you know you can get solid annuity information without talking to a high pressure sales person? You can. We invite you to experience an educational process to determine: a) if an annuity is a good idea for you b) which annuity would be the best fit. We want to help make sure you understand what you’re getting from an annuity, how to avoid “locking up” your money with the wrong one, and how to gain the confidence that you and your spouse will be able to retire, and stay retired.
To Your Financial Future,
Founder IQ Wealth Management®
Accredited Investment Fiduciary®, Certified Income Specialist™, Investment Manager
Or, if you prefer, you can: Schedule Online
The pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails.
Fear not that thy life shall come to an end, but rather that it shall never have a beginning
Above: Steve & Barb Jurich, IQ Wealth Management® at Financial Fest
Get Your Annuity Questions Answered in 3 Easy Steps
Pay No Adviser Fees & No Management Fees
Either on the phone or in person, Steve will answer all of your hardest questions about annuities, retirement, investing, or whatever you want to ask him. He’s ready.
Get guided assistance comparing the top annuities on the market today. You won’t end up with a turkey because we survey over 1200 annuities to find the winners.
You have all the information, you understand what you’re getting, it’s clear how it works with your retirement plan, and you make a selection without having to guess.
Above: Steve Jurich @ IQ Wealth® Spring Summit
About Steve Jurich
Steve Jurich is an Accredited Investment Fiduciary® who has been helping individuals and families retire and stay retired for more than 20 years. His daily radio broadcasts, financial updates, and steady contact with clients help to separate IQ Wealth Management from the “big box” brokerages. Steve’s clients enjoy world class resources (Fidelity and TD Ameritrade) while maintaining a personal touch. His clients include engineers, teachers, medical professionals, business owners, government workers, accountants, attorneys, and business owners.
Accredited Investment Fiduciary®
Steve has over 20 years of experience assisting clients with the biggest financial decisions in their lives—advising only in their best interest.
Financial Bucketing Professional
Steve is the founder of the IQ Wealth Smarter Bucketing System™ which he created to help his clients achieve a higher level of security, income, and growth in retirement.
Certified Income Specialist™
Steve surveys over 1200 annuities and rejects over 98% of them and has crafted a detailed selection process to help his clients select the right annuity for their specific retirement needs.
Investment Portfolio Leader
Steve conceived, originated, and developed the IQ Wealth Black Diamond Dividend™ Growth Strategy and the IQ Wealth Blue Diamond Technology Leaders™ Porfolio.
Steve is the host of the daily radio show "Mastering Money" on Money Radio with over 1000 radio appearances.
Amazon Best Selling Author
Steve is the author of "Smart Is the New Rich", an Amazon best-seller that outlines a more predictable and stress-free aproach to retirement funding and financial independence.
Financial Media Contributor
Steve's comments have been seen on Boomberg.com, MarketWatch, and TheStreet.com. He's also a contributor to Kiplinger Online.
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Annuity guarantees rely on the financial strength of the issuing insurer. Annuities are long term income and preservation vehicles which may carry early surrender charges for a period of time, after which there are no surrender charges. Please see your annuity agreement for details and get a clear understanding before moving forward. A free second opinion service is available.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of IQ Wealth Management and our editorial staff. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee based financial planning and investment advisory services are offered by IQ Wealth Management, a Registered Investment Advisor in the State of Arizona. Insurance products and services are offered through IQ Retirement Planning, Inc. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Arizona or where otherwise legally permitted. All references to locations outside of Arizona relate to our insurance services division only. Steve Jurich is a licensed life and annuity agent authorized in multiple states including California. (License 0b85609). Because our portfolios often allocate a combination of securities and insurance based products, we believe it is important for the consumer to understand the difference. Securities can and do lose money. Fixed index annuities should be viewed as long term income vehicles. Guaranteed Withdrawal Benefits are optional rider benefits for premium avaialble on some annuities, not available in all states. All guarantees are contractual guarantees provided by the claims paying ability of the insurer. Early surrenders beyond penalty free withdrawal privileges may incure surrender charges. Withdrawals prior to age 59 1/2 may incur tax penalties. Income rider values are are designed to generate contractually guaranteed income streams based on pooled reserves, and are separate from accumulated values. No specific investment, tax, or legal advice is being given and no offer is made to sell or buy any security, nor any specific insurance product. Always consult your tax preparer for tax advice. Past performance of all financial vehicles and indexes should not be relied upon to predict future results.Income and withdrawal guarantees on fixed index annuities refer to income values, not interest rates on accumulation values. Income withdrawal benefits are drawn from accumulation values. When withdrawal rates exceed interest rates on accumulation values, accumulation values are in position to fall. When withdrawal rates are less than interest rates on accumulation values, accumulation values are in position to rise. See your annuity documents for details.
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