Retirement Planning Specialist Thomas Helbig Offers Helpful Tips To Build Your Best Retirement Plan
Retirement Planning Specialist Thomas Helbig discusses three straightforward strategies to help families grow towards a stronger financial future.
St. Louis, MO – January 1, 2013 – Thomas Helbig, Founder of the Retirement Advisory Group, recently discussed how time impacts your retirement money, and offers ways to help build a strong retirement plan.
“I find that time, math and money rarely move in the same direction,” remarked Thomas Helbig. “It is quite strange because the whole idea of compounding interest and capital appreciation are based on a rate of return compounded over time. In fact, the math for appreciation is based on four variables: Present Value, Future Value, Rate of Return and Time.”
“Logically, time, money and math should be aligned and making retirees (and soon–to-be retirees) money – right?”, asked Thomas. “Well, Maybe. If you take risk with your money values can go up — but they can also go down. Market historians and verified data offer long term rates of return that are very attractive but when the economy gets rough, money can (and has been) lost, which is not helping folks and their families grow towards a stronger financial future.”
Thomas Helbig offered three simple strategies that can help those who are saving and planning for retirement stay on a responsible path:
- Diversify between many different types of assets – Avoid biases such as, “I only invest in mutual funds, or just stocks and bonds,” and do not build in a bias towards products you may not understand, such as: “I don’t believe in life insurance.” Allow yourself to be open to all possibilities – they all may have a lot of merit in a well-designed plan.
- Do not try to time anything. Instead build a great plan based on sound retirement planning principals and then stick with it. Allow time to work for you and do not allow your emotions to work against you and your money.
- Take the time to review. Keep track of where you are, what you have and where you want your retirement planning to go. That is the ultimate key to utilizing time and achieving planning success.
About Thomas Helbig:
Thomas Helbig, an Independent Advisor and Certified Senior Advisor, is a specialist in all aspects of retirement planning and has been educated so thoroughly in this niche market, that he is one of the most knowledgeable authorities in the country.
Helbig is also an approved Financial Advisor through the National Ethics Bureau and has been named a Five Star Best in Client Satisfaction Wealth Manager three years in a row in the St. Louis Magazine. This is an honor less than seven percent of all the Wealth Managers in his area have achieved.
Helbig is the Best-Selling Author of The Boomer’s Guide to a Worry-Free Retirement: Sleep-Well Investment Strategies and a highly sought after speaker, as well. He was the keynote speaker at a conference in Dallas, Texas attended by some of the top producers in the business. . He has been featured in USA Today, Newsweek, Wall Street Journal, St. Louis Magazine, and the St. Louis Post Dispatch as being one of the leading retirement planning specialists in the country.
Additionally, because of his expertise and significant contributions to his industry, he was recently featured in the Wall Street Journal as one of the country’s leading “Trendsetters” in the financial services and retirement planning world. Thomas will also be featured in Forbes Magazine in the January 2013 National Edition as one of America’s Top 20 Premier Experts in the country.
Learn more about Thomas Helbig at http://www.retirementkey.com/.