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Richard discusses his journey from Cambodia to America and everything he has overcome along the way. He takes nothing for granted and relishes in his ability to help and educate his clients about protecting their retirement plans for longevity and happiness.
Modern retirees may need 30 to 40 years of funds for retirement, potentially including enough for long-term care. Foundation Asset Management believes in implementing a guaranteed income component to protect your future.
Richard appears on Retirement News Online to discuss how to avoid running out of money in retirement. Foundation Asset Management knows how important it is to put a little bit of each paycheck away for retirement because failing to plan is planning to fail.
When you decide to retire, you will have to create a monthly income out of the retirement savings you have accumulated. Instead of saving, you’ll be spending; the trick is, how do you keep from running out? It’s a whole different way of dealing with your money!
An annuity might help you convert your retirement savings into a monthly income that can last as long as you live. You can sometimes think of annuities as your own personal pension. But not all annuities are the same. Learn more about fixed indexed annuities.
Some people are surprised to find that they have less money saved for retirement than they thought due to RMDs (Required Minimum Distributions) which start at age 72. The money you have in retirement accounts like 401(k)s will be taxed as ordinary income when you take it out.
3020 Old Ranch Parkway, Suite 300
Seal Beach, CA 90740
Phone: (626) 825-8044
Fax: (888) 270-8037
E-mail: foundationasset1@gmail.com
Richard Ngin is a Federal Retirement Consultant under Foundation Asset Management.
California License #0C06303
