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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
Advisors, 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 target rate of 7 – 10% a
year, with a well below moderate risk level in investing. A conservative 7% 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. 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 investing. 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 account, call the MaxOut
Savings Team and do not lose a moment of potential earnings in your transition.
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 for you to create the regular income you need.
THE WINNING EQUATION: 10
X 10 = RETIREMENT SECURITY
Save 10% of 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 percentage 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 401(k) or payroll savings plan. If your company does not 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 a 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 and thus, increasing 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 resembles his investment philosophy: he is conservative, 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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