Deadline approaching - only one week away! If you own a business and have yet to establish your SIMPLE IRA plan for 2020, contact me today to discuss your options and next steps. Message me, call 877.907.8625, or email cbalcerowiak@ampf.com.
#finance #IRA #business #entrepreneur #PlanSaveRetire
Have you received an early retirement buyout offer from Blue Cross Blue Shield of Michigan? Let's discuss your retirement readiness and discover what your future could look like if you choose to retire now. I have additional meeting times over the next two weeks to be even more available to you. Reserve your spot now: message here, text 586.474.5055, email cbalcerowiak@ampf.com, or call 877.907.8625.
#bcbsm #healthcare #retirement #covid
Your Tuesday Tech Tip: YOU can add your bank and request fund transfers
(We of course are always here to assist as well.)
Need money quickly for an unexpected expense, want to make a deposit from your new bank account, considering a new schedule for your regular withdrawals? Skip the phone call and slash the verification waiting time. Just log into your Secure Site and you can make it happen.
Have questions? Message me here, call me at 877.907.8625 or email me at cbalcerowiak@ampf.com.
Unsure of where to navigate to on the Secure Site to complete the set-up and submit the requests? We can help! With secure screen-sharing, we can direct you to the necessary tab in real-time. Just give us a call.
Friday is here! Top off the week with another insightful quick read. This week's highlighted Election Insight article focuses on how the election outcome could impact Environmental, Social, and Governance (ESG) interests, disclosures, and regulations.
Intrigued and want to keep learning? Visit the Resources page of our website www.CreativeRetirementSolutionsGroup.com for more Election Insight articles now. Or check back next week for our next article in the spotlight for your weekend reading pleasure. If, as you read, you have a questions about your personal portfolio and financial plan, message me here, call me at 877.907.8625, or email me at cbalcerowiak@ampf.com. Let's chat!
#finance #election2020
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Thankful Thursday: Good Food
I am grateful for the abundance of food that my family and I are able to be nourished by and to experience. I love trying new dishes and enjoying classic favorites in nearby restaurants.
My heart goes out to the many in our communities and throughout the world who go hungry each day and to the many restaurant owners and employees who have been struggling to make ends meet in the current economic and social circumstances. I hope for a brighter days ahead for all.
#thankful #goodfood #hunger
Monday Money Moment: What is Portfolio Rebalancing?
Take two minutes to watch this video that overviews portfolio asset allocation and rebalancing of the security classes in your portfolio. Have questions about your portfolio? Want to enroll in automatic rebalancing so that you can be sure your portfolios are on target? Message me, email me at cbalcerowiak@ampf.com, text me at 586.474.5055, or call me at 877.907.8625.
#finance #assetallocation #rebalancing
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Rebalancing 101: How To Get Your Portfolio Back On Track
Is a buyout option on your mind? Want to know if you are ready to retire early? I can help you explore what lay ahead. Discover what your future will look like if you choose to retire now. I still have upcoming meeting times available - virtual, phone, and in-person options. Reserve your spot now: message here, text 586.474.5055, email cbalcerowiak@ampf.com, or call 877.907.8625.
#retirement #covid #bcbsm #healthcare
#finance #askquestions #getanswers #BCBSM
Set your alarm for 9am and have a restful night's sleep knowing that tomorrow is your chance to put your restless questions to bed. Tomorrow morning from 9am to noon, I will host Ask Chris Anything where you can bring those questions that keep you up at night to me so we can help ease your mind through discussion. Call in at 877.907.8625 for your 15-minute complementary phone consultation. Follow-up meetings can be scheduled as needed. I'm here to help you on your journey. For more information visit our website at www.CreativeRetirementSolutionsGroup.com.
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Happy Friday! Are you ready for your weekly spotlighted Election Insight Article? Here it is! This week's article brings in historical context as it discusses the potential impact that delayed election results could have on the markets. You only need a couple minutes to take in our Ameriprise research analysts' reflections.
Interested in more insights? View additional articles by visiting the Resources page of our website www.CreativeRetirementSolutionsGroup.com. Check back next week for our next article in the spotlight for your weekend reading pleasure. If, as you read, you have a questions about your personal portfolio and financial plan, message me here, text me at 586.474.5055, call me at 877.907.8625, or email me at cbalcerowiak@ampf.com. Let's chat!
#finance #election2020
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Anxious about looming penalties due to excess contributions to your IRA in 2019? Relief is available, but you must act now. Contact me to discuss your options. Message me, call 877.907.8625, or email cbalcerowiak@ampf.com.
#finance #IRA #PlanSaveRetire
Check out my November Financial Strategies For Life newsletter to gain insights for your financial life. Have questions about how to incorporate what you learn into your financial plan? Contact me: message here, text 586.474.5055, email cbalcerowiak@ampf.com, or call 877.907.8625. I am here to help you build a strong financial plan and keep on track toward your goals.
#finance #PlanSaveRetire
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Happy Friday! We can see the U.S. Presidential Election is just down the road. So take a minute to read this Investor's Roadmap Election Insight Article to help you arrive at the destination prepared.
Interested in reading more? View additional articles by visiting the Resources page of our website www.CreativeRetirementSolutionsGroup.com. Check back next week for our next article in the spotlight for your weekend reading pleasure. If, as you read, you have a question about your personal portfolio and financial plan, message me here, text me at 586.474.5055, call me at 877.907.8625, or email me at cbalcerowiak@ampf.com. Let's chat!
#finance #election2020
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Our hearts ache for those who have lost a loved one this year. Amidst this challenging time we are here for you, to help you navigate the financial waters as you journey through the tides of grief with your family. If your loved one named a trust as beneficiary to their IRA or retirement plan, the trustee is required to provide documentation by October 31st. This paperwork submission impacts tax treatment for distributions to beneficiaries. Contact me to help bring clarity and assist you in ensuring you and your loved one's trustee are on track. Message me, call 877.907.8625, or email cbalcerowiak@ampf.com.
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Are you ready for the year-end? Check out a great investment checklist in my October Financial Strategies for Life newsletter. #2 is extremely important and we love #4.
#finance #yearend #q4 #checklist
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We love doing our part to support the efforts for finding a cure for Breast Cancer. We missed being able to join together this year as the Race for the Cure in May was canceled due to the Covid-19 mitigation recommendations. We are excited for what will be planned for 2021 and hope you will join us.
#RacefortheCure #BreastCancerAwarenessMonth #walkwhereyouare #racewhereyouare
Boost your election insight knowledge this week. This Election Insight article takes a look at what a second term for President Trump could mean for your finances including the administration's fiscal policies, tax impact (including potential change to capital gain taxes), and the national economy. See what insight our Ameriprise research analysts have to share.
Interested in reading more? View additional articles by visiting the Resources page of our website www.CreativeRetirementSolutionsGroup.com. Check back on Friday for our next article in the spotlight for your weekend reading pleasure. If, as you read, you have questions about your personal portfolio and financial plan, message me here, text me at 586.474.5055, call me at 877.907.8625, or email me at cbalcerowiak@ampf.com. Let's chat!
#finance #election2020
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Our values guide us in life and can be instilled in our family members. Have you considered what your money values are? Find some guiding principles to ponder and other insightful articles in my December Financial Strategies For Life newsletter on the Resources page of our website www.CreativeRetirementSolutionsGroup.com. Want to discuss how your money values are reflected in your financial plan? Contact me: message here, text 586.474.5055, email cbalcerowiak@ampf.com, or call 877.907.8625. I am here to help you build a strong financial plan and ensure that it is in accordance with your unique values and goals. #finance #PlanSaveRetire #goals #values
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#finance #askquestions #getanswers
History is made! Congratulations to Chris Nikic, a young man who completed an Ironman competition at age 21! Read his story in the linked article. If you plan for a goal, work toward your goal, and have a good coach or mentor, you may achieve your goal too like Chris. And this Chris would like to talk to you about being your coach and mentor to get you across your finish line. Let's get started: message me here, text me at 586.474.5055, email me at cbalcerowiak@ampf.com, or call me at 877.907.8625.
CNN.COM
A 21-year-old man has made history as the first person with Down syndrome to complete an Ironman triathlon
You don't want to miss this! Share the news that this Saturday, November 14th from 9am to noon is Ask Chris Anything. This is an opportunity for you, your family, and your friends to call in at 877.907.8625 for a complementary 15-minute phone consultation with me. It's time to get those lingering financial planning and retirement planning questions answered. I'm here to help you on your journey. For more information visit our website at CreativeRetirementSolutionsGroup.com. #finance
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Happy Veterans Day! Take a moment today to remember all the men and women who’ve served in the U.S. Armed Forces. We encourage you to extend a word of encouragement and appreciation to those in uniform that you see today, make a call to your family members or friends who are veterans, or to write a post of thanks on social media. From Creative Retirement Solutions Group to all veterans, we extend our gratitude to you for your service, valor, and sacrifices.
#VeteransDay #freedom #armedforces
When do you put up your Christmas decorations? Though Halloween has only just passed and Thanksgiving is still up ahead, this article proposes that early Christmas decorating makes you happier. Looking for stress relief as the busyness of holiday preparations and year-end deadlines approach? Consider pulling out your favorite Christmas decorations or buying a few new ones and entering early into the joyful spirit of the Christmas season at your home. And if you do, feel free to post a picture in our comments below to share the joy with us, your Creative Retirement Solutions Group family.
#stressrelief #joy #happy #Christmas #holidays
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People who put their Christmas decorations up earlier are happier
How should I have saved at this point of my life?
Often clients ask how they compare to the average person their age. The “average” amount saved doesn’t mean much, “median” is a better measurement. In my age bracket, the average is brought up by Jeff Bezos who has a net worth of over $180 billion. This helps make the average in my age group $1,175,900. However, the median is $212,500.
Then, I tell the client those numbers don’t matter. What matters is the number that will get you to your unique financial goals and retirement lifestyle.
Let’s talk about what matters to you. Message or call me today to schedule your complementary consultation, 877.907.8625.
#PlanSaveRetire #finance #savings #retirement
CNBC.COM
Here's the average net worth of Americans ages 35 to 44
#finance #askquestions #answers
Student loans weighing on your mind? Check out my article that explains on page two a change in student loan repayment that may bring you some relief. Have questions? Contact me: message here, text 586.474.5055, email cbalcerowiak@ampf.com, or call 877.907.8625. #finance #StudentLoan
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See how your spending could turn into your earnings. I want to provide you with the resources to progress toward your financial goals. Check out this Ameriprise Credit Card Cash Back Calculator. Contact me to learn more: message here, text 586.474.5055, email cbalcerowiak@ampf.com, or call 877.907.8625. #finance #cashback #creditcard #achievegoals
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Cash Back Credit Card Calculator | Ameriprise Financial
Get your monthly dose of financial insight here! Check out IRS cost-of-living adjustments, tips to keep your finances on track during the COVID pandemic, and more in the February edition my newsletter. Have questions or want to discuss more strategies to reach your financial goals? Let's chat: message me here, text me at 586.474.5055, email me at cbalcerowiak@ampf.com, or call me at 877.907.8625. #finances #PlanSaveRetire #COVID-19
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