Patriot Private Wealth Partners

Retirement withdraw example!

😊 I don’t have a traditional schedule, so why keep traditional hours?

👉🏼 I am always here for questions and to meet up when you need me. Most of my clients have full time jobs so they need meetings in the evenings and on weekends…and I totally support that!

🖐🏼What can I help you with today?

🖐🏼Were you one of the ones who jumped on the Robinhood band wagon to invest in Game Stop last year?

👉🏼 I had multiple people tell me (who had zero investing experience) to download Robinhood and invest in Game Stop since it was soaring. It was crazy to see how the rumor spread and people just invested hundreds or thousands in a stock they knew nothing about. But it happens.

🙈I’m not hating on Robinhood the app itself, but investing without doing any research is not a smart choice. I don’t trade and don’t day trade. If you’re a novice investor, then buying and holding is likely the better option. Most people don’t do the research and don’t have the time to constantly check stocks, companies, financial reports, etc. to make gains on quick trading.

👇🏽Are you more of a buy and hold investor or day trader? No wrong answers 😊

3️⃣ statistics that I want to change SO bad!

1. More than half of American workers say they’re behind on retirement savings.
2. A quarter of US adults don’t have life insurance.
3. 50-60% of Americans don’t have a will.

👇🏽Comment below if any of these statistics apply to you. I am here to help change it!

(Yes I know I'm goofy but I'm ok with it. 😊)

🧐Trust me, you’re not alone when it comes to long and wordy contracts. If you’ve purchased a house then you definitely know how intimidating it can be.

👉🏼If you are about to purchase insurance or an annuity and the agent doesn’t fully explain how it works, then do not feel pressured to continue. I make sure that my clients feel confident before they sign. 💯💯💯

😫I can’t tell you how many times I have talked with people who signed into a life insurance contract and had NO idea what they signed. They didn’t know if it was term or permanent. And with one annuity, they didn’t know that once their account reaches $0, their payout decreases significantly. 😳😳

👇🏽Have you signed something you didn’t fully understand?

How dare you?! 😂

👉🏼Just kidding, it's ok! BUT....you most likely didn't get a good deal at all. A lot of their products are cookie cutter and not tailored whatsoever to the clients needs.

👉🏼 I have written policies for people that came from companies like state farm or American Family and boy did they get ripped off.

😊 It doesn't cost you a thing to talk to me and see if I can do better.

👇🏽 What insurance questions do you have?

😭 I can't believe it's been almost a whole year since I became fully licensed as both a life insurance agent and a securities broker.

😍 Thank you to all my clients who trusted me right off the bat in the beginning. Now those people are my favorite!

👉🏼 A lot of people won't trust you until they see your success, and I get it, but it's amazing to know there are people willing to invest in you when you're just starting out.

😳 And my business has grown every 👏 single 👏 month!

❤️This is a big thank you to YOU all who have done business with me. It means the 🌎 I promise!

👉🏼 This is a very common POV for sure.

👉🏼 Once you start looking at your expenses you'll be shocked to see how many are not necessary at all. Of course, live your life and enjoy fun things BUT you can have a lot more money if not spent frivolously!

👉🏼 What small step can you make to have more money in your pocket to invest?

👉🏼Do you have an old 401k that you haven't touched since you left?

🤷🏽‍♀️Maybe you even forgot about it...!

👉🏼 Well don't keep it with your old employer. There are MANY options as to what you can do with it depending on the amount and how soon you need the money.

Lets chat about your options. Leave a comment or DM! 💰

Literally me calling my mom everyday to annoy her 😂😂

Anyone else call their parents or spouse to annoy them? 😂

No retirement account, life insurance, or living will/trust? NO problem! I am here to help you!

There is absolutely no shame if you don’t have all your finances figured out yet. It is never too late to start planning for the future. I know 18 year olds with investment accounts because they were taught from their parents that it’s the right thing to do to start young. And I know 60 year olds without a retirement account, trying to figure out how to retire from their job. It doesn’t matter where you fall on the spectrum, I can help you get in a better financial situation!

DM me if you’re done waiting and ready to take financial action!

It's no secret....it's never too late to invest!

💁🏽‍♀️ I have over a 100 followers. You can talk to my assistant now 😂

Little working from home post 😂 Its challenging at times but so worth it!

Do you work from home?👇🏽

Don't be upset by the results you didn't get with the work you didn't do 🤘🏼

👉🏼Guess what? I promise it’s not as scary as you think!⠀
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👉🏼You have probably seen in the news or online that the “market is crashing.”😫 But the truth is that the market is always fluctuating. This is not near what a crash truly is.⠀
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➡️ From 1926 to the end of 2019, (that’s 93 years), the U.S. Stock Market experienced 69 positive years and 25 negative years. ⠀
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➡️ So that’s 73% positive✅ and 27% negative⛔️over 93 years. And even out of those 25 negative years, only 13 years had returns worse than -10%. Not bad! 😎⠀
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😃 But you know what’s cool? Even after big crashes and dips, “The index has returned a historic annualized average return of around 10.5% since its 1957 inception through 2021.” (Investopedia). It has always come back and grown! 📈⠀
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➡️ In 1970, the average closing price was 83. Stocks just hit their record in November 2021 at 4,743! Look at that growth! It has never lost value over the years, only grown with time!⠀

Are you scared or excited for down markets?

🤔 What the heck are living benefits? ⠀
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➡️ These are benefits that are becoming more popular with term insurance and are SUPER awesome. ⠀
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➡️ We usually think we can only use life insurance when we die, and by we, we usually mean our family can use the money after we die. BUT... with living benefits you can use the money while living if:⠀
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1️⃣ Suffer a critical injury ⠀
2️⃣ Suffer from a critical illness ⠀
3️⃣ Have a chronic illness⠀
4️⃣ Have a terminal illness⠀
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👉🏼 and YOU choose how you use the money. ⠀
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👇🏽 Comment for your free quote to get yourself covered!⠀
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➡️Want to know the secret to becoming a millionaire?⠀
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🛑Patience!! Saving a million and earning a million are two different things. It will take MUCH longer to save a million in the bank as opposed to letting your money work for you by investing. ⠀
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👉🏼And the cool thing is you don’t have to do anything speculative. You can have a million or by retirement age just by using your 401k or IRA. Even though the 401k is not my first pick, it can definitely help you reach your retirement goals.⠀
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👉🏼Just as an example from last year:⠀
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“The number of Fidelity 401(k) plans with a balance of $1 million or more jumped to a record 412,000 in the second quarter of 2021. The number of IRA millionaires increased to 342,000, also an all-time high. Together, the total number of retirement millionaires has nearly doubled from one year ago.”⠀
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🖐🏼Do you contribute to a 401k, IRA, or anything else? Let me know!⠀
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💁🏽‍♀️Don’t be ridiculous! (JK!)⠀
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🚫Don’t wait to start investing. I know it might seem daunting to put money towards investing, especially when you’re young, around age 18-25. ⠀
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👉🏼If you started at age 20, invested a lump sum of $5000, and contributed $250 per month after that (assuming an 8% return) you will have around $1,424,649 at age 65.⠀
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👉🏼If you start 5 years later, invest that same lump sum of $5000, contribute $250 per month after that (assuming an 8% return), you will have around $965, 656.⠀
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😳5 years waiting cost $467,993 difference!! Almost a half million difference. It might seem crazy but that’s the beauty of compound interest over time.⠀
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👇🏽What kind of investment(s) do you currently have?