Hosts: Arif Halaby & Jeff Girard

Segment #1 – retirement planning

Segment #2 – immediate annuities

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Total Financial Solutions Safer Money Hour, with host Arif Halaby, President & CEO of Total Financial Solutions airs every Tuesday from Noon to 1pm on Santa Clarita’s Hometown Station, KHTS AM-1220.

Total Financial Solutions Safer Money Hour

Retirement Planning – June 21, 2016

“An annuity is a stream of payments.” – Jeff Girard

“I want you to be empowered with your own retirement accounts.” – Arif Halaby

What does Safer Money Hour mean?

“Keeping the part of your income that’s designed to be there when you need it.” – Arif Halaby

Immediate Annuity

1. short-term needs (5-10 years)
2. “typically used in tandem with other financial products.” – Jeff Girard
3. if your need is to immediately have income replaced i.e. if you retire
4. depends on how much money you put it, will come back in a form of a monthly payment

Layering different types of annuities can allow you to have more control over your money.

“A rider is a provision or benefit that is above and beyond the chassis of a normal account.” – Jeff Girard