Comments on: Retirement Decision: RMD versus Roth IRA http://www.theretirementpros.com/blog/2009/07/retirement-decision-rmd-versus-roth-ira/ Retirement Planning Blog Topics: Social Security, Investments, Safe Money advisory, Retirement Video Seminars Tue, 18 May 2010 21:04:03 -0400 http://wordpress.org/?v=2.8.6 hourly 1 By: DrShelby http://www.theretirementpros.com/blog/2009/07/retirement-decision-rmd-versus-roth-ira/comment-page-1/#comment-558 DrShelby Mon, 03 Aug 2009 14:36:23 +0000 http://www.theretirementpros.com/blog/?p=214#comment-558 You are absolutely correct...but most people overlook this risk even though it looms much larger than virtually all the other uncertainties we face. I think most people do not cover the Long Term Risk because they "lose" their money if they never "use or need" the benefit -- and most people are in denial about needing LTC. The insurance industry has responded by putting LTC riders on normal life policies so that if the benefits are not used for LTC they are paid as death benefits to the named beneficiaries of the insured. Ask you financial advisor to tell you about "MoneyGuard Reserve" offered by Lincoln National. If you do not have an advisor or would like a second opinion, let me know and I'll help you find an advisor in your area. Make it a great day. You are absolutely correct…but most people overlook this risk even though it looms much larger than virtually all the other uncertainties we face. I think most people do not cover the Long Term Risk because they “lose” their money if they never “use or need” the benefit — and most people are in denial about needing LTC. The insurance industry has responded by putting LTC riders on normal life policies so that if the benefits are not used for LTC they are paid as death benefits to the named beneficiaries of the insured.

Ask you financial advisor to tell you about “MoneyGuard Reserve” offered by Lincoln National. If you do not have an advisor or would like a second opinion, let me know and I’ll help you find an advisor in your area.

Make it a great day.

]]> By: Chrissy http://www.theretirementpros.com/blog/2009/07/retirement-decision-rmd-versus-roth-ira/comment-page-1/#comment-553 Chrissy Fri, 31 Jul 2009 20:00:47 +0000 http://www.theretirementpros.com/blog/?p=214#comment-553 How to distribute my assets after death was my prime concern. Now I know that I missed a whole part of the planning process—long term care. If I don’t plan for my long term care, I may not have any assets left to distribute! How to distribute my assets after death was my prime concern. Now I know that I missed a whole part of the planning process—long term care. If I don’t plan for my long term care, I may not have any assets left to distribute!

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