b'The Bottom LineThe Red Zone Part 2By Mark Melkowski602-793-6493 or mark@eagleadvisorygroup.comL ast month I touched on theexpect the market to perform the same over the nextthat will Red Zone in retirementten years.be able to and similar to the gameprotect your of football you need to be good and productive insideThere is a quote that says: Valuation proves, far moreretirement. your retirement Red Zone. I am an Arizona Stateaccurate than any other variable in determining whatAre my IRA football fan and this season they have lost quite a fewthe next 5 to 10-year experience of an investor will be.proceeds taxable? How dogames.It seems that they have not been productive inPay attention while you are in the Red Zone.I pass those proceeds on to my heirs? Are my earnings the Red Zone and their fundamentals, from coachingin annuities taxable upon distribution? If I use CDs, to the players, have not been very productive.Other factors inside the Red Zone that may need tobonds, stocks, and mutual funds to grow my estate, be looked at while you are inside the 20-yard line arewhat is the liability I face? Are proceeds from life There are some fundamentals that need to bewhen should I start receiving my social security? Howinsurance subject to income or capital gains tax? addressed in retirement and some need to beare my IRAs taxed and how do I pass them on in the emphasized more than once so that we do not fumblemost tax-efficient way? Remember, your heirs willWill Rogers once said, I am not so much concerned inside the Red Zone. One of the most important is theprobably not have an estate tax problem, but moreabout the return ON my money as I am the return OF sequence of returns. Do not underestimate the powerthan likely they will have an income tax problem.my money. of this. If you do not pay attention it can and willShould I protect and ensure my income like I protect change your retirement income and income planning.and insure my home?Over the coming months, we will address these questions and the items that will affect your retirement The second is volatility. The market has beenThe Red Zone of retirement is your most importantassets in the Red Zone and beyond. As we address performing well over the last ten years in the currentzone and you need to address it with an open mind.these topics you will need to search your head and bull market. Lets hope that the historic run keepsBe sure to ask the questions that will help ensure thatheart and ask yourself, if you are willing to explore going, but if it doesnt retirement accounts are subjectyour lifestyle will not change in your retirement yearsthese concerns with an open mind to determine if to volatility. Moving forward we may not be able toand that you have properly designed fundamentalsthey make sense for you and your heirs. JOIN REAL COUNTRY EVERY SATURDAY NIGHT FOR LIVE COUNTRY AT STATE 48 BREWERY FUNK HOUSE AT WESTGATE!DEC. 7thCMT RECORDING ARTISTASHLEY WINELANDDEC. 14thBOBBI KERRDEC. 21stJIM BACHMANN ANDTHE DAY DRINKERSDEC. 28thROBERT PEREZ ANDJUNCTION 10THE FUN STARTS AT 8PM / MORE INFO CALL 623-877-444840 December 2019'