Hi, I'm Tom Hegna.
Let's talk retirement.
Welcome to retirement talks sponsored by W&S Financial Group Distributors.
And featuring retirement author and expert, Tom Hegna.
Today's talk is about the Retirement Desert.
I want to take you on a quick trip today.
A quick trip to the desert.
Now whether you've been to the desert or not, I think you're going to relate.
This story involves a family from the city.
They've never seen the desert before.
They'd never seen a cactus or coyote or a lizard but they wanted to.
So they booked a flight into Death Valley in California.
Right in the middle of July.
When they landed it was a 127 degrees.
So hot you could fry eggs on the pavement.
They knew it was OK.
They rented a big SUV with ice cold air conditioning.
And they climbed in and they drove off.
First were the sand dunes and they rolled on and on.
Up next were the lizards and coyotes and cacti.
They'd never seen anything like it.
They were having the time of their lives.
Then somebody noticed the gas gauge.
It was almost on empty.
And the next town was a hundred miles away.
Well, panic set in.
The AC was turned off.
The windows were rolled down.
And the heat of the day set in.
You've been on a family vacation before.
What happened next?
Fighting, arguing, finger pointing, and back seat driving.
One person said, Hey let's speed it up to one hundred miles an hour.
Then we can coast for a few miles to save gas.
Another back seat driver said, that's crazy.
We got to slow this thing down to 30 miles per hour.
Go slow and save gas.
The brains in the car chimed in, You know, I read a report once.
That the optimal speed to drive across the desert is 52.4 mile per hour.
Set the cruise control.
Well now picture this family fighting, arguing, sweating.
All eyes are on the gas gauge as it went down, down, down.
They knew they were going to run out.
They just didn't know when.
They were miserable.
Well, sometimes retirement can feel like this.
You may worry about the actual day run out of money.
The real struggle, however, can be all those years when you know you're going to run out.
You just don't know when.
You're eyes are on the savings as they go down. So you don't spend.
The solution is to journey through retirement with a financial vehicle that gives you a
regularly scheduled income stream that can't run out.
Like one that comes in an income annuity from an insurance company.
Look, you want to enjoy the scenery as you roll through retirement.
Not have your eye on the gas gauge.
My advice, consider whether an income annuity is right for you.
And remember, annuities are designed to be owned for the long term.
So you want to be sure the company you buy one from will be around for the long haul
too.
My friends at Western and Southern family of companies offer income annuities backed
by a history of formidable financial strength.
And I think that's important for these long-term decisions.
Hey, I'd love to talk retirement with you some more so go to WSRetirementTalks.com for
more topics.
W&S Financial Group Distributors backs our income annuities with high industry ratings
by A.M.
Best.
And a leading Comdex ranking.
As well as a long history of serving customers.
In addition, we offer both annuities and life insurance, to create a balance of mortality
and longevity risks, which helps balance our portfolio and support our strength.
Strength that is rated by agencies registered with the SEC as Nationally Recognized Statistical
Rating Organizations.
Lastly, Western and Southern Financial Group is a Fortune 500 member and has one of the
industries strongest capital to asset ratios that helps it weather challenging economic
times for you.
Learn move at WSFinancialPartners.com.
