Hello, my name is Jason Bergquist and I am a financial professional. I am here to help you figure out how you can have the retirement your dreams.
I’ve been in the financial services industry since 2000 and I have been really focused on what I can do to help my clients prepare for the future.
I am a certified financial fiduciary, which means I do have your best interest at heart. And I have continued education yearly to keep this certification going.
I am doing the training to make sure that I know what’s going on and what’s out there …
… and what is going to be the best thing for you in whatever situation that you’re in.
As I’ve learned all these different tips, techniques, tricks and all the different ways to help people grow their money, prepare for retirement, have the assets and everything that they’re looking for …
… I’ve decided that there’s something that I really, specifically, want to hone in on.
And what I want to do, what I’m looking for, the expertise that I’m working on and I’m bringing to the table for you, is to be a distribution expert.
Or to be able to figure out how to make sure that you never outlive your money. There are a lot of financial professionals out there.
Most of them are looking to help you grow that nest egg, right?
Help you figure out how to get that dollar amount to the biggest number that you can get to, put away as much as you can, have as much growth as possible.
And those guys are great. I used to be one of those guys. I’ve worked at Merrill Lynch and I understood that game, trying to figure that out. And you need that!
And you should congratulate them. Maybe even send them a gift this year.
But what I’m focused on is a different expertise.
We’re going to have to tweak these a little bit and it’s a mind shift change.
Rather than thinking, okay, do I have enough to retire on?
Well, what is enough?”
As I talk to my clients and my prospects every single day, that question comes up almost every time.
“Well, what’s enough?
“I don’t know for sure, but I feel like I don’t have enough.”
I ask, but what does ‘having enough’ relate to?
They don’t know?
And you don’t know. And I understand that and it’s hard to know.
The idea is, how do we figure out how to make sure that we have income for the rest of our lives.
Now, that could mean that we need 2, 3 or $4 million.
It depends on your lifestyle or what you want your retirement lifestyle to be. Maybe you have $500,000 and we can figure out how to make that last for the rest of your life.
There’s a lot of different pieces that go into this. But to get that mind shift, change of thinking, you don’t have this overarching big, huge dollar amount saved!
It’s not sitting there in your 401k. You don’t have an IRA that’s that BIG.
So, what we’re going to do today is, we’re really going to focus on the distribution side.
How do we figure out how we make sure that we have enough money to last us for the rest of our lives?
And so, today’s topic is actually called “Money For Life”.
Pretty simple, right?
How do we make sure that we have enough money for the rest of our life?
And the thing is, we don’t know how long we’re going to live. If we’re married, how long is it going to last for you and your spouse?
Are you trying to leave a legacy for your kids?
Or, you know what?
You’re on your own. Your kids are on their own. You just want to spend what you’ve saved. You want to just use every dollar, but you want to spoil your kids or your grandkids.
Or you want to go do the things that you didn’t get to do while you were so tied up with all of your time while you were working.
So, money for life is different for everybody I talk to.
That’s why we need to get together, have a conversation, figure out what your goals are, what you’re looking for, what your retirement looks like to you.
One of the authors that I subscribe to, that I read and follow his information and learn what he does (Tom Hegna). He has a book called Paychecks and Playchecks: Retirement Solutions for Life.
Now we’re in retirement.
Well, when do we spend the most amount of money, it usually falls on what day of the week??
When do we spend the most amount of money, what day of the week does that usually fall on?
Usually Saturday, right?
Saturday is typically our day off (during our working years) when we rest OR NOT, it’s when we go play, golf, hike, go to go to the movies, go out to eat, taking the family to the local amusement park, right?
Well, when you’re retired, every day is Saturday, right?
Every day is a play day. So now, what are you going to do?
A lot of people have this mindset that, “I’m going to spend less money when I go into retirement.”
Well, let me tell you something.
If you haven’t done a budget, if you haven’t looked at it, if you haven’t put your goals down …
… I find that as I talk to retirees, most of them are probably spending at least the same, if not more in retirement, than they were when they were working.
So again, depends on what your goals are and what you want to do.
We’re going to talk today about money for life. And this is a book by the same author. It’s called, Retirement Income Masters: Secrets of the Pros.
Now, this is something that I subscribe to. This is something I use to help give you information, but that’s out there for everybody.
Go grab it, go read it. It’s great information. As we look at it, there’s a lot of things to figure out how to make sure you have enough money for the rest of your life.
Social Security. I’ve got other videos on that. Go ahead and go click below and go watch those videos.
Pensions. We can talk about pensions and where you’re at and what that means.
There’s like 567 different ways to file for Social Security. But the third one that’s out there is, trying to figure out what else you can get that’s going to give you income for the rest of your life.
Now, if you’re thinking about buying stocks or being in the market, dealing with the ups and downs …
… well, maybe that’s a place for a portion of your funds, maybe that’s something you like or that you subscribe to.
Maybe in retirement, you want to play the market, try to time the ups and downs of the markets.
But we’re talking about is guaranteed income for life …
… we want to make sure that no matter what the economy does …
… no matter what the ups and downs are …
… no matter what pandemic hits …
… we want to make sure that we have that guarantee.
In other words, we have enough money coming in to pay all of the expenses that are going out.
Anything above and beyond that is great!
We can figure out what we’re going to do and how we’re going to do it.
But we first have to make sure that you have a stress-free retirement by making sure you have enough money coming in to cover the expenses that are going out.
So, 1 other way that you can do that is, basically, buy your own personal Pension.
Or you can buy an additional Social Security payout.
What do I mean by that?
Well, if I say the word Annuity, then we’re going to have to get into an entire other video to talk about annuities.
But today we’re going to touch on them as a third piece of the puzzle, to be able to figure out how we have guaranteed income for life.
Now these are next generation annuities.
Maybe ‘annuity’ is a bad word to you, and we can discuss that. But if you are looking at … what can I do to make sure I have this guarantee?
It depends on your scenario, right? You know, maybe you need some liquidity.
We’ve got to make sure that you have X amount of dollars sitting somewhere that’s a hundred percent liquid.
Is it important to you, that you find a professional that can help you figure these things out?
Again, I don’t do my own dental work cause that’s not my expertise….
I don’t even do my own car and homeowner’s insurance because that’s a different expertise. I reach out to those experts. I use those experts. I don’t do my own taxes. I go to a CPA. So, same thing in this realm.
It’s very important to make sure it’s done, right?
And that you have the proper setup and what’s great about it is, it doesn’t cost you anything.
It doesn’t cost you anything for us to sit down together, to go through and figure out and create that plan for you.
So, don’t put cost as a reason why we can’t get together. I use a team of professionals. I use a whole group and a whole team to help me make sure that I always know what’s out there.
What’s the latest and greatest?
What are the changes?
I liken all these financial products to computers. They’re changing constantly!
The computer that you bought 5 years ago, 10 years ago, maybe even 2 years ago, maybe even 6 months ago …
… is almost at the point where it’s getting obsolete, things are changing so fast!
It’s the same way in the financial industry.
They’re always more companies coming out with more products and they’re always competing against each other, which is good for us, right?
That competition makes them drive better products out to the market for you. But if you’re unaware of what those are, then it’s hard to pick the right one.
So, as we talk, as we meet together, I’m going to go look and find the best product for you.
For example, there are 100’s of annuities out there.
Some of the questions are, what is your need right now?
What is your need in the future?
And then all these other pieces come into play!
Are you wanting to be in a volatile market?
Do you want guarantees?
Well, as we start looking at what your wants are, what your needs are, what your goals are, what taxes are playing into this now, as well as the future.
That’s going to start funneling it down, right?
It’s going to funnel it down and help us create just a handful of options.
So let me throw some of those at you:
Do you want guarantees? That’s going to funnel it down.
Are you looking for growth? That’s going to funnel it down.
Are you looking for income? That’s going to funnel it down.
Do you want bonuses? Or maybe you’re saying to yourself, well, I only want to deal with highly rated carriers. That’s going to funnel it down, right?
I don’t want to pay any fees.
I want to have high participation rates.
I want to have uncapped growth.
I want to have guaranteed renewal rates.
All of these things are going to funnel it down.
And maybe you don’t know what I mean by each of those things.
Maybe some of those you’ve heard of …
… maybe some of them you haven’t …
… but either way as we talk, you’re going to tell me what you want, and what you don’t want …
… maybe what you’ve tried …
… maybe what did or didn’t work for your friends or your family or your parents.
And I’m going to take all of these options that are out there and it’s going to bring it down to where we just have a handful.
A handful of options that I can put in front of you.
I can help you understand. And then we can make a decision. You’re not making a decision amongst 100 or 200 different options.
We’re going to funnel those all down because you’re going to tell me what you want. And when you tell me what you want, what your goals are, that’s going to help me to empower you, to create the retirement of your dreams.
By adding this third piece of the puzzle, that’s going to help you have another stream of guaranteed income for life.
Now, that may sound complicated, but trust me, it’s not that complicated.
It’s just that there’s a lot of options to look at and that’s why you need somebody that can help you figure it all out. Understand the Options!
That’s why I don’t even do it without a team, because not one person can keep up with all of the changes.
And that way I can make sure while we look at your information that we can put together the reports.
We can figure out what the Short Fall Analysis looks like, so that you don’t fall short at a certain age.
We can put together a Social Security Maximizer report to make sure that what looks like is coming in from your social security is going to match what we do in addition to that social security.
There’s a bunch of links below. There’s links to other videos. I actually have an hour and a half webinar that you can watch.
It’s going to take you from start to finish so you can go through the four risks to watch out for and the five steps to make sure that we get that retirement that we want.
This is just one piece of that puzzle. And then there’s also some documents below where it’ll get you starting to think about it.
It’ll let you look at what that budget is. It will allow us to see your assets, then to be able to get together and look at what you have.
Look at where you’re going, look at what we’re working with.
And make sure that we have the ability to create a guaranteed income stream that’s going to last you for the rest of yours and your spouse’s life.
There’s a lot of information out there and it can be very confusing, it can be very overwhelming.
Allow me to break it down for you, allow me to show you what you should be looking for and what you need to make sure that you get, like these guarantees.
A lot of the verbiage can be very confusing.
And even as you talk to other agents, you know, they may say things differently than somebody else.
I would love to be an additional resource for you to make sure that you’re getting the best structured setup to give you that guaranteed income for life.
Again, my name is Jason. I look forward to working with you, click on the links below and let’s get together.
Have a great day.
Thanks!
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