Fraser Allport – Fiduciary

Owner of The Total Advisor, LLC

For All Your Financial Needs

Fraser can help answer your DROP, Def. Comp.,
403b, Social Security and Medicare questions.

Fraser Allport, a Fiduciary and Certified Estate Planner ™
with 42 Years of Experience, specializes in Social Security
claiming strategies.

Longevity Planning is The New Retirement Planning

Prepare for Living to Age 100 : How to guarantee
that Your Money lives as long as you do.

According to The Stanford Center on Longevity … Prepare for Living to Age 100.

Will your Money last as long as you do ?
Are you financially prepared for Longevity ?
Have you planned for Out of Pocket Medical Expenses ?
What happens to your finances if Social Security is decreased ?

Global Challenge: Population Aging

While the world wrestles with a deadly pandemic and how to confront climate change, there’s another long-term global challenge that no one really knows how to deal with: population aging. As the human race transitions from a burgeoning, exploding species to a static or shrinking one, economies around the world will come under significant strain.

Increased Longevity in America

Americans have experienced a steady increase in longevity over the last 100 years. In the early part of the twentieth century, average life expectancy at birth was only 47 years, but today many people can expect to live into their eighties, nineties, or beyond. While the benefits of increased longevity are clear, it also presents the country with a number of issues that require serious consideration, including ensuring access to a secure and lasting stream of income in retirement.

Changing Sources of Retirement Income

Complicating the issue even further are the changes that have occurred in sources of retirement income. At one time, workers could rely on Employer-Sponsored Retirement Plans and Social Security to provide an adequate, secure, and lasting retirement income. Today, the future of Social Security is uncertain and many employers have replaced “traditional” defined benefit retirement plans, which generally provide workers with a guaranteed retirement income benefit based on salary and years of service, with 401(k)-type plans that are more focused on accumulating wealth and often neglect assisting participants with transitioning their retirement savings into retirement income.

The Need for Stable Retirement Income

There is an urgent need for investments that will provide a stable and lasting income in retirement. Annuities are the most logical and valuable tool available to meet this need. Annuities are assets that allow individuals to maximize their savings into a guaranteed income stream at retirement and/or provide a guaranteed return while saving for retirement.

Benefits of Fixed-Indexed Annuities

A Fixed-Indexed Annuity serves as a tool to enhance retirement asset protection by managing market volatility and the sequence of returns risk in the pivotal years leading to retirement. This can better set the stage for retirement and for creating more lifetime retirement income from a given asset base. Expanding the use of Guaranteed Lifetime Annuities provides a logical and proven solution to diversifying and effectively managing many of the risks that retirees currently bear.

Ensuring Future Income Security

Through a combination of increased access to Annuities in retirement plans, improved regulation and legislation, accessible objective guidance, new and improved products and pricing, and a concerted effort to clear up the myths surrounding annuities, these products will play an important role in ensuring future generations have access to adequate and secure income in retirement, regardless of how long they live.

Experience Matters: Fraser Allport

Fraser Allport has been educating his clients for 42 years, since 1982. That’s five decades of experience, and experience matters. Fraser makes learning about money easy, fun, and productive. It’s time well spent with Fraser because all knowledge comes from experience