Learn More About how to Protect Your retirement
We provide the resources and tools you need to fully understand how to retire with confidence and security.
Planning for the future requires more than saving—it demands addressing rising healthcare costs, inflation, longevity risk, and market volatility, all of which can significantly impact long-term financial security. A comprehensive financial plan that includes guidance from a retirement specialist and safe money products is essential to ensure your resources last and protect your standard of living.
As people age, planning for long-term care becomes essential to protect their dignity, independence, and financial security, especially since Medicare provides only limited coverage for such services. Long-term care insurance offers a proactive solution by covering the high costs of non-skilled care, preserving retirement savings, and providing flexibility in how and where care is received.
Financial buffers like life insurance, health insurance, and retirement accounts are essential tools for protecting young families from unexpected expenses and ensuring long-term financial stability. Early investment and comprehensive planning with professional guidance can help create a solid foundation for a secure financial future.
Projected retirement plans, like 401(k)s, offer higher potential returns but come with market risks, while guaranteed plans, such as pensions, provide stable income regardless of market performance. Choosing the right plan depends on your financial goals, risk tolerance, and personal circumstances, and consulting a financial advisor can help ensure the best decision.
Retirees fall into two main groups—those who rely on IRA income and those who don’t—based on their other financial resources, and understanding your position is key to effective retirement planning. Regardless of your reliance on IRA funds, a retirement advisor can help you navigate required minimum distributions, unexpected life events, and strategies for growing, protecting, or passing on your IRA wealth.
Relying solely on one spouse to handle all financial matters—often justified by perceived strengths like being “better with numbers”—can lead to long-term risks, including poor planning, lack of preparedness for emergencies, and unequal financial understanding. Instead, couples should collaborate on money decisions to enhance accountability, reduce stress, and ensure both partners are equipped to manage their financial future.
American women face a disproportionate retirement crisis due to lower lifetime earnings, longer life expectancy, and caregiving responsibilities that interrupt their careers and reduce savings potential. The COVID-19 pandemic has further highlighted the fragility of the retirement system, emphasizing the urgent need for women to proactively plan, diversify income sources, and seek professional financial guidance.
Helping You Retire with Confidence and Guaranteed Income
Our business, Brad Rhodes Financial, was founded with a mission to help retirees and those nearing retirement avoid the financial pitfalls that can jeopardize a secure and fulfilling retirement. We are passionate about what we do and deeply value the relationships we build with our clients. Our team is dedicated to presenting strategies and opportunities that provide individuals and couples with a guaranteed income for life.
Located in Lexington, North Carolina, our business is rooted in family values and a commitment to serving the financial well-being of our community.
Build your retirement plan with confidence
No matter your age, it’s never too early or too late to start planning for your future and retirement. If you’re just beginning, we can help you build a strong foundation. If you’re further along, we’ll work with you to fine-tune a plan that fits your family’s needs and your unique situation. Using safe money strategies today can bring you greater peace of mind and long-term security. Reach out to schedule your free, no-obligation consultation—available over the phone or in person.
336-746-4729
bradrhodesfinancial.com
255 Morning Star Ln Lexington, NC 27292
DISCLAIMER The information provided herein is the exclusive property of bradrhodesfinancial.com. This material has been prepared for informational and educational purposes only. It is not intended to provide nor should be relied upon for accounting, legal, tax, or investment advice.