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No one cares more about you and your money than Lifeguard Financial


January 2021




In July, the New York Times headline read:
Rates at Rock Bottom Are Expected to Linger in Fed’s Latest Forecast.
What does this mean to current and future retirees?

Low interest rates are on the minds of investors around the globe. What should you do with the cash in your accounts earning almost no interest?

Are you trying to time the market? Successfully timing the market is the result of dumb luck. Is it for an emergency fund or a known purchase (Condo, car, vacation?) The interest rate shouldn’t matter. You want all the money to be there when you need it. It is a mistake to have a lot of excess cash (above the amount needed for a purchase or emergency) waiting for interest rates to jump up. It’s not happening any time soon. Are you using it for income? Taking income from an account paying nearly zero will deplete your account quickly. Big mistake.

A Better Strategy:
A strong retirement plan includes an annuity for safety of principal, monthly income and more growth. Often investors and/or their advisors don’t consider it for lack of understanding or they’ve been misinformed.

With $500,000 invested in U.S. Treasury Securities, a 70-year old woman will earn $5,550 a year. But with an annuity payment, she’ll generate $33,200 after tax for annual income. Each year in Treasuries cost her $27,650 in lost cash flow. Over three years that’s $82,950 of lost income while she’s waiting for interest rates to increase significantly.

If you’re using bonds for income when interest rates go up, the underlying price of the bond will go down, decreasing the value of your portfolio. Consider a review of your current plan with an expert retirement planner and consider
the right annuity for income.

The Fed’s says it plans to keep interest rates low until 2022. After that, no one knows.
But, they’re not likely to jump to 3%. The period of low interest rates could last a lot longer.

As you can see, there’s a cost to waiting. There are some good alternatives available that will give you good growth opportunity without risk of losses and generate a larger, monthly income for life. Start shopping!



What To Do When Retirement Is Right Around The Corner

If you’re like many people, the majority of your retirement strategy has been in planning and doing over decades. But what about when you’re almost ready to retire? Your strategy is likely to change.​

Continue Reading Here


Your 2020 Tax Reference Sheet is now available.

HERE to review



Why Family Business Show Have Succession Plans

The family drama surrounding an aging media mogul and his unresolved succession plans are at the center of a hit television show.

In fact, only 18% of family businesses have a documented and communicated succession plan in place.² Much like the fictional billionaire in “Succession,” some leaders avoid the issue because they love running their businesses and don’t want to stop any time soon.

Read More Here


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There is no clear-cut answer as to whether you should convert your IRA. We recognize the importance of this decision and have assembled a team of financial professionals to assist you in answering the key questions.

Our team will provide a custom analysis to determine if a Roth conversion is right for you. We will guide you through the process in the most effective manner possible to help ensure your financial security.

Please call and schedule a meeting to get your Roth IRA Conversion Analysis Report. In our meeting, we will discuss these important impending changes in order to gain the information and tools you need to make a timely, educated decision about the new Roth IRA conversion opportunities.

Please call 440-942-1936 today!




Some of these materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

Lifeguard Financial is not affiliated or endorsed by the Social Security Administration or any government agency.


Mentor, Beachwood, Independence
Columbus, Westlake Naples, FL

No one cares more about you
and your money than
Lifeguard Financial

Anthony Newman

© Lifeguard Financial
Ph: (440) 942-1936


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