American Retirement Planning, LLC

Kevin Wingert

About Me

Kevin Wingert is founder and owner of American Retirement Planning, LLC and American Elite Retirement, LLC.

Address

7177 Hickman Rd Suite 4 Urbandale, IA 50322
Office Phone: (515) 274-9190
Email: [email protected]

Investment Adviser Representative of and investment advisory services offered through Royal Fund Management, LLC a SEC Registered Investment Adviser.

Kevin can help with...

Services

Fiduciary - An individual in who another has placed the utmost trust and confidence to manage and protect property or money. The relationship wherein one person has an obligation to act for another's benefit. The duties of a fiduciary include loyalty and reasonable care of the assets. All of the fiduciary's actions are performed for the advantage of the beneficiary.

Setting Retirement Goals

Personal
  • What do you want in Retirement?
Financial
  • What do you need to get what you want?
  • Income Analysis
  • Wealth Investment Goals

What's Important to You

Understanding Your Retirement Accounts
  • Taxes
  • In Service Withdrawals
  • Required Minimum Distributions
  • Legacy Planning
Social Security
  • When Should You Take It
  • What Will My Benefit Be
  • What About My Spouse
  • Does it Affect My Other Retirement Accounts or Taxes
Health Care in Retirement
  • Medicare
  • Long Term Care Alternatives

American Retirement Education was formed to provide objective, unfiltered information and education on financial products for the needs of investors and those approaching retirement.  Learn more at aresdm.com

Ten Common Reasons Retirees Run Out of Money
  • Longevity
  • Underestimating or ignoring the effects of inflation
  • Poor investment performance
  • Caught by sequence of return risk
  • Shift in sources of income from Defined Benefit to Defined Contribution Plans
  • Caught in a low interest rate environment
  • Declines in home equity
  • Healthcare costs
  • Unexpected taxes
  • Unpredictability
Morningstar
  • Morningstar reports
  • How to compare funds and money managers
  • Important things to look for
Understanding Tax Adjusted Asset Allocation
  • Currently most asset allocation models use standard pre-tax return and standard risk assumptions
  • Income tax "drag' should be taken into account
  • Income tax rates vary by taxpayer
  • Capital gains are taxed at different rates
  • Do tax free options make sense
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