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RETIREMENT. It's that goal
line we're all working toward. 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 create 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. 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 of 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 helps 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, 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 roll over 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 principal 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 (i.e. FREE MONEY) are available.
Contact your Human Resources department today to increase your 401(k) or payroll savings plan contributions. 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 principal 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 experience in private and corporate accounts. He
has a special interest in value investing and balance sheet analysis, an approach he began developing in the 1980s while working
at Oppenheimer & Company.
Ted embodies 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 MaxOut Savings 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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