Our Process

• Wealth Accumulation
• Wealth Preservation
• Income Distribution
• Wealth Transfer

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The Senior Planning Network Process

Once in retirement, most individuals find it even more important to protect what they’ve spent a lifetime accumulating. After years of faithfully investing and putting money away, the "saving years" are over, and you must shift gears into a mode of preserving what you’ve built.

At Senior Planning Network, we utilize the following core wealth preservation principals:

• DIVERSIFICATION
  Once in retirement, it is especially important to remember that no category of assets is always going to be a top performer. The knowledgeable investor who wishes to remain in the market spreads money among various investments and continually rebalances his or her portfolio so that “winners” can help offset any potential “losers.”
  
• BALANCE RISK AND REWARD
  Divide your investment amount strategically in accordance with your unique objectives. You may be able to take advantage of potential higher return vehicles while keeping a modest fixed account in reserve, or you may need an asset allocation model that provides strong guarantees with a heavy emphasis on your cash position.
• REDUCE INTEREST RATE RISK
  Interest rate changes can work for you no matter which way they move. If rates move up, your shorter-term money is soon available to re-invest at higher rates. If interest rates move down, your longer-term money grows at rates higher than current rates. We can assist you in determining the appropriate vehicles to use.

In addition to a number of guaranteed financial solutions such as fixed annuities, Fixed Index Annuities, and asset allocation models with built-in guarantee features, Senior Planning Network also helps our clients protect their valuable assets through a number of long term care solutions.

With roughly 44% of those reaching 65 expected to need some form of long term care at least once in their lifetime* and costs of care skyrocketing all around the country, long term care protection can be a vital component of your wealth preservation strategy.

* Guarantees are based upon the claims-paying ability of the issuing company.
**A Shopper’s Guide to Long-Term Care Insurance, National Association of Insurance Commissioners, 2006

Annuities carry fees and charges and withdrawals are subject to taxation, including a 10% tax penalty for withdrawals prior to age 59 1/2.

Your individually-tailored plan is built to encompass all 4 essential phases of financial planning:

 

 

Investing involves risks, including the risk for principal loss. Diversification and asset allocation do not assure a profit or guarantee against loss. Investors should consider the investment objectives, risks and expenses of any investment carefully before investing.

Michael Jankowski is a registered representative of LaSalle St. Securities, LLC, a registered broker/dealer, and an investment advisor representative of LaSalle St. Investment Advisors, LLC. LaSalle St. Investment Advisors, LLC is affiliated with LaSalle St. Securities, LLC. Senior Planning Network is not affiliated with LaSalle St. Securities, LLC. Securities offered through LaSalle St. Securities, LLC 940 N Industrial Drive, Elmhurst, IL 60126-1131 Member FINRA/SIPC.