Paul Pent & Associates - Retirement Advice Blog

Financial Insight Blog

A Better Alternative to Long Term Care Insurance


I don't likelong term care insurance. It's expensive and it may never be needed or used. On top of that, did you know that the premiums of any long term care policy can go up if the state deems it necessary? Yikes.

There is a much better way. Call us today at 1-877-797-7285. We will send you a free illustration showing how you can designate a small  portion of your assets to cover all of your assets from the exesive costs of health care in later years. 

A couple of high points: This type of coverage is 100% liquid and if you never use the coverage it doesn't cost a dime.

Call us today at 1-877-797-7285

or you can e-mail me for a quote: .(JavaScript must be enabled to view this email address)


Philip Pent

There are two parts to your pension. 

  1. State 
  2. Federal

The state part of your pension, which is meant to provide about 40% of your retirement needs is automatic but the federal part, which is intended to fill in retirement income gaps, is not. 

Many teachers don't know that for every $100 deferred from your take home pay and placed into a 403(b), $133 is saved in your name and on your behalf in a retirement account of your choosing. (example is based on the most common 25% tax bracket)

Now what? It's easy.

403(b)'s are set up at no cost to you through a third party administrator. That's where we come in. Call or e-mail us to start the process and we will explain to you your options for the federal part of your pension and you can start taking advantage of this huge benefit today.

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Paul Pent & .Associates is not employed by the state of Florida but works in conjunction and is licensed with the state (P040719) to provide suitable 403(b) plans for state employees.

The Only Way to Retire Tax Free


There is a way to retire tax free. It takes some planning and a little brain power, but it does work. Here is a short video to check out. Watch it and order your free report today to start protecting yourself from future taxes now!

click here to watch video: How to Retire Tax-Free





A Year ago, Bob (62) came to our office for a Financial Second Opinion. He had a mix of mutual funds and annuities with a total value of about $150,000. In his mind, Bob knew he needed to grow that money to $375,000 by the time he was 72, to fund a shortfall in his budget of $15,000.

He was going by an old rule of thumb taught by many money managers and brokers. It goes like this: If you have a nest egg and you want it to provide income for your retirement and you don’t want to run out of money, a safe withdrawal rate is 4%.

$375,000 x .04 = $15,000

The big problem? He needed a growth rate of 9.6% per year for 10 years to grow his money to his goal. The previous decade of the market had only done 2.23% and he had lost faith in the value of investing in mutual funds with asset fees of 1%.

2.23% - 1% = 1.23% (after fee)

Here’s where the problem was solved. Bob came in , and through a Financial Second Opinion, we showed him that he didn’t need $375,000. In reality he only needed to grow his supplemental nest egg to about $175,000.

The big question. Why? How? The answer: When you eliminate risk in your portfolio it is easier to promise higher pay-outs. Brokers quote a 4% withdrawal rate because they know your money is at risk and have to take loss of principal into account.

The pay-out Bob will receive at age 72 will be 7.9% for life. So if Bob’s account only grows to $175,000 he will be right where he needs to be.

$175,976 x .079 = $14,976

Bob came to us stressed and feeling behind in saving for his retirement. He left feeling relaxed knowing a larger portion of his savings was protected from the volatility of the market.

Go to or call 1-877-797-PAUL to schedule your Financial Second Opinion to see all the ways this type of planning can be used for your benefit. 

Also, if you would like a FREE video on this subject, we'd be glad to e-mail it to you. E-mail .(JavaScript must be enabled to view this email address)


Take the Annuity Challenge


Take the annuity challenge and see why most retirees are exiting mutual funds in droves.

Click here to schedule a free Financial Second Opinion.

Below is a short list of topics and real case scenarios which can be included in your report.


One Way to Increase Your Income in Retirement by Guaranteeing Higher Pay-outs for Life

Turn $300,000 Dollars of Taxable Annuities Into $450,000 Tax-Free Benefit to Heirs

Why You May Never Want to Consider a 5yr. CD

A Better Alternative to Long Term Care Insurance

One Option to Keep Your Annuities 100% Liquid.

Creditor Proof Your Retirement Funds in Florida

How to Make Sure Your Wife Gets $1,000,000 Tax Free, Upon Your Death, for about $300,000

Alternative to Low 5yr CD Rates


The 5 Year CD Rates are hovering at about 1.69% according to At the time of this posting I can't think of any good reason to buy a 5yr CD. There is a much better alternative.

There is a 5yr FIA with an "A" Rated company that will keep your money from market risk and pays interest based on the Barklay's Capital Bond Index. In the last 5 years it returned 4.74%, 1.64%, 5.4%, 3.3%, and 4.72%. On top of this interest, owners have 10% liquidity each year. You can't do that with a CD. On top of this liquidity benefit, the account is tax deffered. This means you won't be getting a 1099 each year and owing taxes on the annual growth, further depleating your annual return, until distribution.

For your free report and brochure on this 5 year product with no upfront sales charges (100% of your premium is credited to your accumulation value when your contract is issued), e-mail us at .(JavaScript must be enabled to view this email address). Also be sure to ask us how this type of savings is guaranteed and/or insured.

Take The Annuity Challenge


If you have had an annuity of almost any type, you need to take the annuity challenge and let us increase your potential income and benefits, today.

 Click here to schedule your Financial Review and Second Opinion.

All those who schedule a Financial Second Opinion will receive a FREE round of golf at participating golf courses. (Contact us for details).

Go to our Financial Services Page to our video library and other ways we can help you.

Increase Your Retirement Income.

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We want to help you increase your income. Watch any of the following videos from our video library and contact us through e-mail or phone for your free report.

What Everyone Should Know About Indexed Annuities

Increase Your Income by 50% With Your Own Private Pension

Protecting Your Assets From The High Costs of Long Term Health Expenses

How to Make Money From Your Own Life Insurance Contract: Life Settlements

Increase Your Income and Lower Your Taxes With a Split Annuity

Stretch Your IRA to Save on Taxes

IRA Rollover and Increase Your Retirement Income by 20% - 30%

Increase Your Income Through Annuity Laddering

How to Maximize the Income Withdrawals From Your Annuity Contract

Preserve Your IRA for Your Children or Grandchildren

Protect Your Savings from Taxation and Depletion

Learn to Avoid the Cost Delay of Probate

Schedule a free review at one of our offices or in your home, you will receive a free round of golf at participating golf clubs. A review consists of an initial phone call for fact finding, questions and answers, followed by a short meeting and recomendations, taylored to your needs.

Call us and we will send you a free copy of our special CD that outlines 5 cases we have worked on in the past year.

1. Increased Retirement Income from Annuities.

2. Designed IRA's to Pass Tax-Free to Beneficiaries.

3. Protected Estates from the High Cost of Long Term Care

...and more


Call 1-877-797-PAUL for your free CD

How can 7% guaranteed, help you?


You can roll your IRA into a fixed indexed annuity that guarantees a 7% roll-up rate for income purposes in retirement, with no exposure to market losses. Go to our contact page and we will send you 5 simple questions that you can answer to get your free report.

  1. What's your age?
  2. When would you like to start taking income from your account?
  3. How much (approximately) do you have in your IRA?
  4. Would you also like your benefit to be based on your spouses age and guaranteed for their life?
  5. What is your spouses age?

Or you can just e-mail us your answers to these 5 questions and we will send you your report.e-mail us at .(JavaScript must be enabled to view this email address)

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