Timothy Sumer

In this video, I discuss the tremendous advantages given to a railroader when he couples up his 401k and Railroad Retirement Annuity into a single retirement portfolio. I also discuss: 1. Using your Railroad Retirement Annuity as a baseline for understanding risk. 2. Social Security vs Railroad Retirement 3. The concept of Risk in your portfolio ******************************************** Subscribe to my channel: Get Your Free Railroad Retirement Assessment Here: ******************************************** Learn more about working with John at Highball Advisors Here: ******************************************* Get Social LinkedIn: Facebook: ******************************************** Disclaimer: This video is provided for general information and illustration purposes only. Nothing contained in the material constitutes tax advice, a recommendation for purchase or sale of any security, or investment advisory services. Highball Advisors encourages you to consult...

A brief overview of how Spouse Annuities function in Railroad Retirement: 1. What the requirements to receive a spousal annuity? 2. What are the payouts on a spousal annuity? 3. What is the reductions in the spousal annuity with early retirement? 4. More... ******************************************** Subscribe to my channel: Get Your Free Railroad Retirement Assessment Here: ******************************************** Learn more about working with John at Highball Advisors Here: ******************************************* Get Social LinkedIn: Facebook: ******************************************** Disclaimer: This video is provided for general information and illustration purposes only. Nothing contained in the material constitutes tax advice, a recommendation for purchase or sale of any security, or investment advisory services. Highball Advisors encourages you to consult a financial planner, accountant, and/or legal counsel for advice specific to your situation. ...

Join John McNamara, CRPC of HIghball Advisors as he discusses strategies to maximize your Railroad Retirement Annuity. John discusses the following: 1. What You Should Know about Railroad Retirement Benefits? 2. When Should I Take Railroad Retirement Benefits? 3. How do I Maximize My Railroad Retirement Annuity? Listen at the end when he discusses the effect of your Railroad Retirement Annuity on your 401k. ******************************************** Subscribe to my channel: Get Your Free Railroad Retirement Assessment Here: ******************************************** Learn more about working with John at Highball Advisors Here: ******************************************* Get Social LinkedIn: Facebook: ******************************************** Disclaimer: This video is provided for general information and illustration purposes only. Nothing contained in the material constitutes tax advice, a recommendation for purchase or sale of any security, or investment ...

We discuss the importance of planning for a long retirement from the railroad. This video includes: 1. Discussion on longevity of railroaders 2. Importance of planning for a long life 3. More... ******************************************** Subscribe to my channel: Get Your Free Railroad Retirement Assessment Here: ******************************************** Learn more about working with John at Highball Advisors Here: ******************************************* Get Social LinkedIn: Facebook: ******************************************** Disclaimer: This video is provided for general information and illustration purposes only. Nothing contained in the material constitutes tax advice, a recommendation for purchase or sale of any security, or investment advisory services. Highball Advisors encourages you to consult a financial planner, accountant, and/or legal counsel for advice specific to your situation. Reproduction of this material is prohibited without written per...

If you have worked outside the railroad industry in a non-covered position, you need to watch this video to understand your reduction penalties on your Railroad Retirement Annuity. Please avoid surprises at retirement by knowing your Railroad Retirement Annuity benefits. ******************************************** Subscribe to my channel: Get Your Free Railroad Retirement Assessment Here: ******************************************** Learn more about working with John at Highball Advisors Here: ******************************************* Get Social LinkedIn: Facebook: ******************************************** Disclaimer: This video is provided for general information and illustration purposes only. Nothing contained in the material constitutes tax advice, a recommendation for purchase or sale of any security, or investment advisory services. Highball Advisors encourages you to consult a financial planner, accountant, and/or legal counsel for advice specific to yo...

Question from Becky C: Can You Borrow from Railroad Retirement? ******************************************** Subscribe to my channel: Get Your Free Railroad Retirement Assessment Here: ******************************************** Learn more about working with John at Highball Advisors Here: ******************************************* Get Social LinkedIn: Facebook: ******************************************** Disclaimer: This video is provided for general information and illustration purposes only. Nothing contained in the material constitutes tax advice, a recommendation for purchase or sale of any security, or investment advisory services. Highball Advisors encourages you to consult a financial planner, accountant, and/or legal counsel for advice specific to your situation. Reproduction of this material is prohibited without written permission from Highball Advisors, and all rights are reserved.... ( read more ) LEARN MORE ABOUT: Retirement Annuities ...