法蘭克時間:
| 年金1 | 年金2 | 年金3 | |
| 特色 | 50% bonus | 9.5%複利增長12年 | 2.5倍指數增長 |
| 可早拿錢嗎？ | X | ✓ | ✓ |
| 領錢之後payment還會漲嗎？ | ✓ | X | ✓ |
| 可抗通貨膨脹嗎？ | ✓ | X | ✓ |
| 普通賬戶或IRA可簽嗎？ | ✓ | ✓ | ✓ |
| 可應付RMD嗎？ | ✓ | ✓ | ✓ |
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有一種年金強調簽約就給50%紅利，有一種年金強調每年9.5%複利成長12年，還有一種年金強調指數增加2.5倍！眼花繚亂。其實剛剛講的都是事實！但不是full picture!灣區退休後，每年要負擔的property tax就要$1萬5，醫療保費也要$1萬2！出去旅行, 夫婦兩個要$2萬塊！還有PG&E又要漲價，就算房屋沒貸款，房屋保險年漲，退休以後，左手拿401K RMD, 右手拿SOCIAL SECURITY；喜歡拿錢，討厭交稅! 交了稅，可以用； 不交稅，不能用。到了60歲，太太都希望先生不要退休繼續工作，每個先生都很累不想再工作了，太太都覺得 我也照顧家裡30年了，該我享受了吧！其實夫婦兩個都沒有安全感，害怕現金流斷掉.當 401K碰到RMD, 還有SOCIAL SECURITY開始拿錢的時候，你的稅率會如何被影響？繳過稅的錢, 變成 「可以花的錢」 ，延稅、不繳稅的錢, 則變成遺産…你喜歡哪一種呢？
教您如何規劃退休以后依然有$15萬的現金流收入
如果您想要我們幫您橫向對比pros and cons，歡迎參加9月20號“退休有錢用”線下講座！
致富理財 Frank Ho 法蘭克時間: 線下講座 講座
09/20/2025 (Sat.)
10 AM Fremont
2PM Cupertino
Cupertino Office:
10054 Pasadena Ave
Fremont Office::
2090 Warm Spring Ct. Suite 148
Fremont CA 94539
報名請按下面報名按鈕
電話 408-996-1118
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網站部分報名: 請務必提供手機號碼，EMAIL
IF Direct LLC is an insurance agency with a network of affiliated, independently-owned offices that consists of carefully selected and experienced financial & insurance professionals.
Our businesses include sales and trading a wide range of insurance products including life, medical, long term care, disability and more. Our clients include domestic and international individuals, small businesses, corporations, financial intermediaries, and institutions.
As an insurance agency for changing times regardless of your investment goals, we have professionals who are eager to help you meet your goals. Our agents make every effort to build long-term relationships with clients, offering personalized attention and financial advice. We stay focused on the present while maintaining a clear vision of the future.
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