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RETIREMENT. It's that goal line we're all working towards.
It represents freedom, independence, a time to relax and do those things we've put off for so many years.
It's also
a daunting concept. How can we afford to live without the traditional income our jobs and careers have brought us over the
years? Will we have enough saved? How can we make the most of our earnings now, help them grow, and depend on them when we
are no longer able to work?
Ted Geoca and the MaxOut Savings Team's primary focus is on retirement investment
management. They approach personal retirement planning from a strong philosophical grounding. The way to a safe, secure and
financially sound retirement is through consistent and prudent action in retirement savings and investment.
SAVINGS.
The key to successful retirement financing is income-based savings: to set aside money from your paycheck, from your income,
every time you receive it. The easiest way to ensure you have money for retirement is to creates the habit that automatically
pays your retirement fund first. Sure, retirement may be years away, but the sooner you save, the longer your money has to
grow for you. “Catching up” is much more difficult than putting away a few extra dollars now.
INVESTMENT.
The MaxOutSavings Team can manage your IRA rollover for you. Conservative returns on low- to moderate-risk investment will
pay you back handsomely in your golden years. It's straightforward. No high-risk schemes, just disciplined action and cautious
investment. The American dream of “work hard and retire comfortably” is alive and thriving at MaxOutSavings Team,
and it can work for you.
Ted's philosophy. Ted strongly believes your retirement account should be handled with
particular care. Save your money agressively, and invest it conservatively. Your retirement account is not just another
investment. Financial security for your retirement years is too important to expose to high risk investment strategies. Once
you've done the hard work to earn and then save your money, you don't want to see it disappear on an investment rollercoaster
ride. We have all heard too many horror stories of people nearing retirement suddenly losing all their savings, having to
postpone retirement and start all over to accumulate the finances they will need to live on for the rest of their lives.
Ted
works for you to grow your retirement account at a rate of 7 – 10% a year, with a well below moderate risk level in
investing. A conservative seven percent return compounded over the life of a thirty-five year investment will create a return
of nearly 1000% on the initial investment alone. With moderate but steady gains compounded over time, you will achieve significant
capital growth. And Ted's philosophy and investment strategy help protect you from catastrophic losses of your retirement
nest egg.
How can Ted Geoca and the MaxOut Savings
Team help you?
PERSONAL RETIREMENT COACHING.
Ted can help you figure out how much income you will need at retirement age, how much you need to save and invest to get there,
and how to manage it when you do. If you're looking for get rich quick schemes, the MaxOut Savings team is not the place for
your money. If you want to build a strong retirement future for yourself and your family, Ted is the advisor who can get you
there.
PORTFOLIO DIVERSIFICATION. Diversification is one of the most important aspects of investment. Your retirement
portfolio is no different. The key to protecting your retirement assets is Ted's wise and careful selection of investment
vehicles to maintain diversity. While there may be pieces of your overall investment portfolio (non-retirement funds)that
you are willing to expose to a higher level of risk (some people really like rollercoasters), Ted will keep your retirement
funds invested at a less volatile level of risk.
IRA ROLLOVER CENTER. Ted Geoca and the MaxOut Savings team
specialize in keeping your retirement savings working for you when you move and/or change employers. When you make the decision
to rollover your retirement, call the MaxOut Savings team. Don't lose of moment of potential earnings in your transitions.
GOAL LINE IN SIGHT? If you are near retirement, just retiring, or well into your retirement years, Ted Geoca
and the MaxOut Savings team will work to protect and preserve your retirement principle, and keep it working to create the
regular income you need.
THE WINNING EQUATION: 10 X 10 = RETIREMENT SECURITY
Save
10% each paycheck; Invest your savings at 7 - 10% over time.
How can I save money for retirement? Put away 10% of your
earnings in a retirement account at every paycheck. If you can save more, so much the better, but 10% is the minimum target
number you need to reach to build your retirement security. Take advantage of your company's 401(k) plan, especially if matching
funds (e.g. FREE MONEY) are available. Call your Human Resources department today to increase your 401k or payroll savings
plan. If your company doesn't have a plan, call Ted, and he'll help you design the retirement investment account that will
serve you best.
Why is conservative and low-risk investment so important? An original savings of $10,000 at age 30,
with no additional investments, with consistent and compounded 7% rate of interest, will be worth over $100,000 at retirement
at age 65. With the addition of regular and continued savings throughout your earning years, not only will the initial investment
grow, but you will be increasing your principle, with thus the amount available to grow for you. Slow and steady growth, minimized
risk, and avoiding loss. That's the winning strategy.
ABOUT TED GEOCA
Ted Geoca has over two decades of
client account and portfolio management in private and corporate accounts. He has a special interest in value investing and
balance sheet analysis, an approach he began developping in the 1980s while working at Oppenheimer & Company.
Ted
ressembles his investment philosophy: He is conservative and cautious, and looks for long-term growth opportunities. As a
long-time Houstonian, he brings a local, personal and dedicated approach to his clients and their financial needs. More the
tortoise than the hare, more the ant than the grasshopper, you can rely on Ted to apply the hard work and diligence needed
to build your retirement wealth.
Ted manages the MaxOutSavings Advisors Team,with your assets held at Fidelity Investments.
He holds a Bachelor of Science degree in Mechanical Engineering from Texas A&M University. He is married and has three
sons.
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