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33% of American adults have zero retirement savings2

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63% of Americans fear running out of money in retirement more than they fear death.4

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Not impact your Social Security benefits because the retirement money is tax-free.

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You may need 80% of your pre-retirement income to live on each year in retirement.

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Allow your money (principal) to continue growing even when you take money out.

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Are your personal savings enough to cover your retirement?

  • Social Security is designed to cover only 40% of your retirement income (50% taxable)
  • Americans aged 60 – 69 have saved an average of $195,000 in their 401(k)


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A&M Futures will educate you on how to navigate your finances and help you make effective decisions which may:

  • Never lose money in a stock market downturn.
  • Not impact your Social Security benefits because the retirement money is tax-free..
  • Allow your money (principal) to continue growing even when you take money out.
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We understand the need for financial security NOW and generational wealth for the future.

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Enjoy a reliable stream of tax-free income in retirement.

  • Maintain your standard of living
  • Protect your wealth
  • Ensure a legacy for your family, instead of debt
  • Income for life

Americans are living longer than ever. You would assume that individuals in the aging population are saving more for their long-term retirement plans, right? You would be mistaken. Retirement used to be around 13 years, typically.

Today, more and more retirees are living longer, meaning their retirement funds sometimes need to last 20 years, or more! If you are planning on using your social security funds, beware that those payments won’t be enough to replace the typical 80% of income you need to live comfortably through retirement. The average retirement amount for individuals currently is only $107,000, which translates into roughly $310 a month for expenses. That’s not nearly enough to live on. Government data shows that nearly 70% of individuals who reach 65 will need long-term care at some point (U.S. Department of Health and Human Services. “How Much Care Will You Need?” Accessed May 11, 2020.) Many seniors do not realize that Medicare does not pay for most long-term care facilities. In fact, Medicare only covers 100 days of care at a nursing facility only if it was preceded by a hospital stay of three days or more! A&M Futures can help you navigate retirement and how to make effective decisions regarding your future.

We’d like to recommend reading The Power of Zero by David McKnight and watching the October 2021 documentary, The Baby Boomer’s Dilemma. These resources help explain that you need more than a 401(k), IRA and/or pension to rely on in retirement. Our retirement environment has drastically changed since these programs were developed. People need to (i) understand “provisional income” and how that affects your social security, (ii) taxes in retirement, and (iii) how to prepare so you have tax-free money in retirement. A&M Futures strategies can assist you in the biggest milestone of your life – retirement. Our goal is for you to retire in a manner that will enable you to live in the manner you are accustomed to and not have to worry about market downturns or your social security becoming taxable. We want you to have “peace of mind” and an enjoyable retirement.


  1. The COVID-19 pandemic’s financial impact on US consumers: Consumer pulse. TransUnion. (2021, March 16).
  2. Pascarella, D. (2021, June 28) 4 stats. That reveal how badly America is failing at financial literacy. Forbes
  3. Resendiz, J. (2020, May 27). Average credit card debt in America: June 2020. ValuePenguin
  4. Simon, J (2017, September 25). Americans fear exhausting money in retirement more than death. PlanAdvis
  5. O’Shea, A. (2021, March 17). The average 401(k) balance by age. NerdWallet.
  6. LIMRA. (2021). Facts About Life 2021. LIMRA
  7. Amadeo, K. (2021, April 30). Do medical bills really devastate America’s families? Thebalance
  8. Kaiser Family Foundation. “Benchmark Employer Survey Finds Average Family Premiums Now Top $20,000.” Accessed March 20, 2020.
  9. American Public Health Association. “Medical Bankruptcy: Still Common Despite the Affordable Care Act,” Page 432. Accessed April 28, 2020