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<\/a>Rowan and Linda were reviewing their retirement funds when they both got disgusted with their meager earnings and the constant up and down of the market affecting their retirement funds. \u201cLook at all these fees were paying!\u201d exclaimed Linda as she poured through the detailed printouts of their quarterly statements. \u201cThey\u2019re anywhere from 2%-5%, and we are paying even if the fund loses money!\u201d she shouted. \u201cWell, there has to be a better way.\u201d he replied back to his wife of 37 years. \u201cWe are spending thousands of dollars in fees every year and it doesn\u2019t look like we are getting anywhere!\u201d While they had saved money after putting the kids through college, and had made good use of their 401K contributions at their jobs, they still had to keep an eye on the monthly budget to make sure they didn\u2019t run out of money before they ran out of life. They had recently been to their financial planner who they had for years, but it seemed that all he could recommend was to double down on their current investment vehicles. But the results were just not what the couple wanted them to be. Later that evening they were at a good friend\u2019s house enjoying a game of cards, where the ladies were outscoring the boys. The conversation casually turned to their retirement dilemma. Their friends of many years, Larry and Judy, let them know very quickly that they had no such issues with their retirement funds as they had investment vehicles that were not tied to the stock market and most of them were fee free. This got Linda\u2019s attention very quickly as this was the exact topic she and Rowan had discussed earlier in the day.<\/p>\nTheir friends explained that Linda and Rowan were still using an accumulation model which was OK from age 20 to approximately 55 or 60, but that once you get close to retirement you need a preservation and distribution model. Accumulation that takes place over a long period of years is fine, but once you are no longer getting a paycheck, you have no way of replacing lost principal money in your accounts. Judy also advised that Linda and Rowan needed to review how many of their retirement accounts were still exposed to the stock market ups and downs, because almost none of Larry and Judy\u2019s funds were. Larry continued, \u201cWhat would happen if the stock market has another incident like 2001 or 2008? Can you stand to lose 25-35% of your retirement savings?\u201d As the conversation extended through some dessert, Larry recommended that they make an appointment with their team at American Retirement Advisors to review an alternative plan. Well, it\u2019s been a year since Linda and Rowan have become clients and they could not be happier with the results that were recommended and put into place for them. \u201cNo more Fees\u201d stated Linda. \u201cNo more losses every time the market has a hiccup\u201d said Rowan at a recent annual review of their plan. Are you tired of excess fees and losses every time the market has an up or down week? Or maybe there was a BREXIT incident somewhere in the world that affected our USA market investments with losses? Let us help you sleep better at night and review what your retirement could be. Remember, at American Retirement Advisors whether you have big or small funds, we\u2019re here to help everyone!\u201d Call us!<\/p>\n
<\/p>\nClick here to read more<\/a>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6189","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nAmerican Retirement Advisors 800-568-1095 Expert Advice<\/title>\n<meta name=\"description\" content=\"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. IRA, Annuity, 401k, Safe Savings, Never lost a penny of my clients money EVER\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/americanretirementadvisors.com\/success-story-of-the-month-eliminate-fees\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David Schaeffer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/americanretirementadvisors.com\/success-story-of-the-month-eliminate-fees\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/success-story-of-the-month-eliminate-fees\/\"},\"author\":{\"name\":\"David Schaeffer\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#\/schema\/person\/5572a51be4fd98c2a88945215f1b7874\"},\"headline\":\"Success Story of the Month: Eliminate Fees!\",\"datePublished\":\"2016-08-23T15:45:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/success-story-of-the-month-eliminate-fees\/\"},\"wordCount\":620,\"publisher\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/success-story-of-the-month-eliminate-fees\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/08\/Screen-Shot-2016-07-27-at-4.02.16-PM.png\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/americanretirementadvisors.com\/success-story-of-the-month-eliminate-fees\/\",\"url\":\"https:\/\/americanretirementadvisors.com\/success-story-of-the-month-eliminate-fees\/\",\"name\":\"American Retirement Advisors 800-568-1095 Expert Advice\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/success-story-of-the-month-eliminate-fees\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/success-story-of-the-month-eliminate-fees\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/08\/Screen-Shot-2016-07-27-at-4.02.16-PM.png\",\"datePublished\":\"2016-08-23T15:45:17+00:00\",\"description\":\"American Retirement Advisors, David P. 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