Financial Advisor Phil Calandra Featured on NBC as Guests on America’s PremierExperts

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Financial Advisor Phil Calandra Featured on NBC as Guests on America’s PremierExperts

Phil Calandra, RFC was recently seen on NBC, CBS, ABC and FOX network affiliates around the country as guests on the TV show, America’s PremierExperts®

Atlanta, GA – August 22, 2013 – Phil Calandra, Registered Financial Consultant and Founder of Calandra Financial Group, LLC, was recently featured as a guest on the TV show “America’s PremierExperts®.” The show, filmed in Orlando, FL, was seen on NBC, CBS, ABC and FOX network affiliates around the country.

“America’s PremierExperts®” features an interview format, with host Nick Nanton interviewing some of the best business, marketing and financial minds from around the world.  Phil was a recent guest, discussing how retirement income planning, tax planning and estate conservation should be top priorities for individuals and families of all ages and income levels.

Watch Phil’s appearance on “America’s PremierExperts®”

Phil Calandra is the CEO of Calandra Financial Group, LLC. and Calandra Wealth Management. In this capacity Mr. Calandra provides fee-based financial planning and advisory services to individuals, professionals and closely held corporations. He is a Registered Financial Consultant (RFC) and is a member of the International Association of Registered Financial Consultants and is an Investment Advisor Representative. Phil is also the Chief Investment Strategist at CFG.

For over 20 years Phil served as a consultant to such Fortune 500 corporations as Coca-Cola, Walt Disney World, UPS and Georgia-Pacific before making the transition into personal finance. Phil is honored to have received the highest award the State of Kentucky can bestow, The Kentucky Colonel and is an American Legion Civic Leadership Award recipient.

Phil is the author of Retirement Unchained: Break Free from Wall Street and a Government Gone Wild.

“America’s PremierExperts®” was produced by Emmy Award winning director and producer, Nick Nanton, Esq. and Emmy Nominated Producer, JW Dicks, Esq., Co-Founders of America’s PremierExperts® and The Dicks and Nanton Celebrity Branding Agency®.

Learn more about Phil Calandra at http://www.calandrafinancialgroup.com/

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Contact:

Matt Collins

Dicks and Nanton Celebrity Branding Agency®

Matt@CelebrityBrandingAgency.com

keywords:

Phil Calandra, Calandra Financial Group, Wealth Management, America’s Premier Experts

 

Investing – An Essential Tool in Retirement Planning

Are you ready for what might be a rude awakening? Your Social Security and company pension may not be enough to enable you to live the lifestyle you really want in retirement. That’s why your retirement planning should also include a personal investment strategy. In fact, a well-structured personal investment strategy can do more to enhance your retirement lifestyle than your Social Security and company pension combined. And the sooner you get started, the better.

The question is, what should you invest in? Well, the answer to that question really depends on you and your individual preferences and circumstances. There is no one-size-fits-all investment strategy. But there are some basic ideas that every novice investor should explore.

Participate in a 401(k)

Many people confuse their company 401(k) program with a company pension. But they’re very different. A company pension is a defined benefit pension plan that guarantees a monthly benefit to retirees. These plans are going the way of the dinosaur because companies can no longer afford to fund them. Defined benefit pension plans have been replaced by 401(k) type plans. A 401(k) is a retirement investment account that you contribute to, and your employer may or may not contribute to. Typically, companies will match the employee’s contribution up to a certain percentage of the employee’s salary. I recommend you contribute enough to your 401(k) to get the maximum employer match. If you quit or change jobs, you should roll your 401(k) money into an Individual Retirement Account (IRA) that you can control. Read more

Retirement planning lacking as study indicates 60% have less

Reviewing one’s investment portfolio is an important time for any investor, as it provides the investor, and financial advisor, the opportunity to re-balance assets–and to make other decisions regarding retirement goals.Today, according to a survey conducted by the Employee Benefit Research Institute, a scant 14% of Americans feel they have savings to see them through their retirement years, while a whopping 60 percent have less than $25,000 saved.

In fact, a recent poll by Harris Interactive indicated that a startling thirty-four percent of us have no retirement savings…zilch. Nada.

How much will it take to live on during retirement? Aon Hewitt researchers suggest you can replace about 85% of your pre-retirement salary if you have 11 times your company pay saved up—include your Social Security estimate in this figure!

For sure, part of your retirement planning fine-tuning should include the following:

Maintain good credit

Although it’s advisable to have as little debt as you possibly can once you reach retirement’s gate, it’s imperative to keep those credit scores tip-top: You never know when you might want to refinance, or open a line of credit for unexpected expenses.

Of course, staying on top of your credit scores will also unearth any signs of identity theft, or inaccurate information that might affect your scores.

Understand your Social Security benefits

Don’t overlook the impact your benefits can have on your retirement’s revenue stream. More importantly, make sure you are scrutinizing the earning and income statements provided by the Social Security Administration; furthermore, use those figures in coming up with your overall retirement strategy.

Getting investment advice counts!

Looking to increase your returns? According to a study conducted by Financial Engines and Aon Hewitt, getting the right financial advice can possibly pay off in the long term:

… seek out advice either from within or outside the plan. A recent Aon Hewitt and Financial Engines study, for instance, showed that employees who take advantage of investment help can increase returns by as much as 2% or 3%.”

Likewise, investing in funds with low expense rates will influence a portfolio’s overall performance.

We encourage you to contact us HERE or call us at 678.218.5925 to learn more about our services and solutions.

Find Out Why Your Retirement Won’t Last

Have you heard the latest fear that exists in over half of all baby boomers and retirees?

It is the fear of outliving your money while in retirement.

And this isn’t just an ordinary fear.

The results of the latest survey revealed that boomers like you fear outliving their money more than that of dying!

Who would have ever guessed that living to a ripe old age would become such an unpleasant and stressful thing in life?  As a child I can vividly recall always telling my parents that I wanted to live to age 100.

Where did things go wrong?

To begin, these fears of outliving your money are real and they should be taken seriously.

If you look at the average baby boomer’s retirement account in America, there is simply no way most American’s will have money left in retirement.

There has been a lack of savings, many people are still recovering from the last financial collapse, not to mention most boomers do not have pensions like their parents did.

But here is hope yet.

A world renowned economist, author, and highly respected Wharton professor just released a recent article about his very own retirement plan, including the secret to make sure he and his wife never run out of money in retirement.

The article contains some shocking retirement secrets that have been shared by many of the nation’s wealthiest people.

Download the absolutely free Wharton Report here.  It only takes seconds.