Dominion Retirement Income Planning

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Dominion Retirement Income Planning, Financial service, 50 Sullivan St, Warrenton, VA.

Dominion Retirement Income Planning Offers A Maximize My Social Security Benefits Report At No...

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John Bogle: The “Train Wreck” Awaiting American Retirement – The Retirement Gamble - FRONTLINE

pbs.org A toxic mix of too much choice, backwards incentives, and a misplaced faith in the past performance of the market has positioned America's retirement system for an uncertain future, says the founder of The Vanguard Group.

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A Worry-Free Retirement Resource

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Worker's Retirement Confidence Declines, Says Survey

fa-mag.com Thirty-six percent of workers aged 55 and older surveyed by the Employee Benefit Research Institute (EBRI) report having less than $10,000 in savings and investments. Excluding the value of their homes and any defined benefit pension plans, 57 percent of all respondents that participated in EBRI...

The Next 20 Years For Bonds

fa-mag.com We looked back at another 20 year period in the last century to see what the next 20 years might hold for bonds.

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The Annuity Puzzle

advisorone.com Since at least 1965 and the seminal research of Menachem Yaari, economists have recognized that retirees should convert far more of their assets into an income annuity at retirement than they do

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Florida Might Give Annuity Sales Law Even Sharper Teeth

fa-mag.com Florida considers extending its tough annuity sales restrictions beyond seniors to protect everybody.

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The Best FMO | IMO | A Worry-Free Retirement Resource

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Stop the bad press about annuities | LifeHealthPro

lifehealthpro.com Many financial experts in the media have a negative view of annuities. Educate your clients on the facts.

Empty Nester, How Should We change? | Bodoh Wines & Associates

http://gregbodoh.com/services/the-confidence-you-deserve/emprty-nester-how-should-we-change

gregbodoh.com helping investors, retirees and seniors create financial freedom since 1976.

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Blog | Indexed Annuity Insights

Does your retirement plan include guaranteed income?

indexedannuitiesinsights.com In the face of market volatility, increasingly rare pensions, and a growing concern that they may outlive their retirement savings, consumers are desperate for sources of guaranteed income. As a result, according to a recent CNBC article, many consumers are turning to annuities.

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Safe Money First

A retirement financial plan built on a strong foundation can not fail!

When you build something of strength you always build it from the ground up. Because the risk of destruction always occurs from the top down. Bodoh Wines and...

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Independent vs. Captive Advice - SafeMoney.com

Perception is not always reality.

safemoney.com SafeMoney - Balancing your Independence through Safe Money products and trusted advisors.

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REITS | Bodoh Wines & Associates

gregbodoh.com helping investors, retirees and seniors create financial freedom since 1976.

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PREPARE FOR THE RISING COST OF COLLEGE | Bodoh Wines & Associates

collegefunding.gregbodoh.com Facing the enormous task of preparing for college, parents and students can be overwhelmed. What schools are affordable?

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What Is Safe Money - SafeMoney.com

safemoney.com SafeMoney - Balancing your Independence through Safe Money products and trusted advisors.

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Safe Money Show - Your Advisor Showcase - Greg Bodoh | VA

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safemoneyshow.com Greg Bodoh has been in the financial planning business since 1976. He is highly recommended

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Blog | Indexed Annuity Insights

indexedannuitiesinsights.com In recent months, there have been a number of articles featuring stories about insurance agents using unfair or unethical practices when selling products to older Americans and/or Veterans. As the current Iowa Insurance Commissioner, I would like to point what many of these articles fail to highlig...

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Edward Henderson | Bodoh Wines & Associates

Edward Henderson


Edward-HendersonEdward (Ed) Henderson has joined the firm of Bodoh, wines and Associates in Warrenton, Virginia. He is licensed in Virginia with specialties in College Planning and Funding, and Senior Retirement Income Planning.

Mr. Henderson is a distinguished graduate of Park College with a Bachelor of Science Degree in Criminal Justice Administration. He retired from the U.S. Government after working for 26 years with the Treasury Department, Department of Defense and other government agencies. He also retired from the U.S. Marine Corps following participation in 2 wars and 21 tears of honorable service to his country.

Ed hold life memberships in the Disabled American Veterans and Veterans of Foreign Wars organizations, and is an Eagle Scout.

Ed Henderson
[email protected]

gregbodoh.com Edward (Ed) Henderson has joined the firm of Bodoh, wines and Associates in Warrenton, Virginia. He is licensed in Virginia with specialties...

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Greg Bodoh | Bodoh Wines & Associates

Greg Bodoh

Helping You Find the Financial Freedom You Deserve
In Practice Since 1976

Most people spend more time planning a two-week vacation than their retirement. And while it makes sense to put plenty of energy into a dream getaway, your financial future deserves every ounce of effort you can spare. Fortunately, planning your retirement doesn’t have to be a source of unwanted anxiety. It can be as simple as calling the right team to help you along your journey to financial freedom.

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Greg brings his 38 years of investment management experience to our clients.

From 1981 – 2002 Greg advised on the institutional side of the investment management arena where he represented the portfolio management of major financial institutions. He has traveled and lectured on investment management extensively.

Greg’s focus is Investment Management and guaranteed Retirement Income Planning. Greg has developed a specialty working with retirees, and those about to retire who want to guarantee their principal, lock in their gains and ensure that their money lasts. His goal is that his clients will always have enough and that they will never be a burden to their loved ones and that their assets will pass to the ones they love vs. the IRS or legal expenses.

Greg is a Veteran of the Vietnam War Era and served as a US Army Instrument Instructor Pilot (1969-1971). In addition to traveling the country speaking on financial planning he has served as an adjunct faculty member of George Mason University, and frequent lecturer at Mary Mount College and George Washington University teaching Asset Management, Financial Planning and Personal Finance. He has also served on the advisory board of Fairfax Savings and Loan as well as a board member of Goose Creek Foundation, The Sydney Dodson Foundation and Project Lifesaver International. Greg is a graduate of Embry Riddle University and the New York Institute of Finance.

Greg and his wife live on a farm, which they share with their children, occasional grandchildren and numerous critters (dogs, cats, horses, birds and one pushy rooster). “I’ve spent years evaluating financial products and strategies. I know what they can and can’t do for my clients. I put my experience, energy and knowledge to work for my clients so they can concentrate on the other important things in their lives.”

gregbodoh.com Most people spend more time planning a two-week vacation than their retirement. And while it makes sense to put plenty of energy into a dream...

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Judy Wines | Bodoh Wines & Associates

Judy Wines, Director of Operations & Assistant to Greg Bodoh

judy-winesJudy has 23 years of professional experience in the financial industry, two years with Gregory Bodoh & Associates, a financial services firm specializing in retirement strategies, financial planning and money management. An expert in customer service, Judy is in charge of managing operations, preparing paperwork, overseeing financial planning, and investment modules.

As a licensed insurance agent (life), she is available to assist you in many ways. In addition to her work for Gregory Bodoh & Associates, Judy is an independent sales representative for Silpada Designs. She is also certified notary public, licensed title agent, licensed real estate agent and she teaches Sunday school at her Church. Judy was recognized by Cambridge Who’s Who for showing dedication, leadership and excellence in all aspects of financial services.

“As a Baby Boomer, like many others, I have to admit that preparing for the future is not something that I was taught to do. It is hard enough to admit that the senior years are so very close and yet I realize I should have started preparing for them years ago. Now I know that I can have a retirement plan that will grow for me each year and never lose a penny – that’s the plan for me, what about you?” - Judy Wines / To schedule a complementary consultation with Judy Wines, you can email her at [email protected]
Mission Statement

We say what we mean, and do what we say.
What we value most, and remember every day is the trust that we have earned and must continue to earn.

gregbodoh.com Judy has 25 years of professional experience in the financial industry, four years with Gregory Bodoh & Associates, a financial services firm...

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Confusion Abounds on Social Security Spousal Benefits - InvestmentNews

Mary Beth Franklin: Get your (Social Security) tricks on Route 66
That's the magic number for maxing spousal benefits

By Mary Beth Franklin
November 5, 2012

When it comes to maximizing Social Security benefits, married couples have the most flexibility. But the rules about how and when to claim those benefits are very confusing, as evidenced by the numerous questions that have been clogging my inbox.
Financial advisers and their clients and intrigued by the idea that one spouse may be able to claim a reduced retirement benefit early while the other spouse delays claiming benefits until they are worth more later, maximizing their joint lifetime benefits.
In between the extremes of collecting reduced benefits at the earliest age of 62 and maximum benefits at 70, there's room for a little magic in between.
But to engage in the more sophisticated strategies, such as filing a restricted claim for spousal benefits only or filing and suspending benefits, at least one spouse must wait until his or her normal retirement age of 66 to take action. That's why, when I'm traveling around the country addressing financial adviser conferences or speaking to consumer audiences, I like to call 66 “the magic age”.
I have been amazed and gratified by the growing interest in this topic. And apparently I'm not alone. As one adviser from Denver recently wrote, “In 35 years of practice, the issue of Social Security claiming strategies has only come up about a half-a-dozen times. But in the past month, it's come up three times.”

The adviser said he recently met two potential new clients, a couple of medical doctors married to one another, both 65 years old. He asked: “Can they each apply for benefits on the other spouse (so they are both collecting half of each other's benefit now) and then at age 70 switch to their deferred individual benefits that would have been growing at 8% per year?”
I replied: No and yes.

No, they can't both claim spousal benefits. One spouse must take action to trigger benefits in order for the other spouse to claim them. But yes, there is a strategy that allows one of them to claim some Social Security benefits at 66 and for both of them to claim the maximum amount at 70.
Here's how it works. At 66, one spouse should file and suspend, triggering spousal benefits for the other and delaying his/her own retirement benefit until 70. Then, the other spouse, at 66, should file a restricted claim for spousal benefits only and delay collecting retirement benefits until 70. The couple will end up collecting one spousal benefit at 66 and two maximum retirement benefits at age 70.
Let me give you an example of how the numbers work. Say both spouses are entitled to $2,000 per month at their normal retirement age of 66. When the husband turns 66, he can file and suspend his retirement benefit, triggering a $1,000-per-month spousal benefit for his wife. At 66, the wife can file a restricted claim for spousal benefits only, collecting the $1,000-per-month spousal benefit rather than her full $2,000 retirement benefit.

Because they have both deferred their own retirement benefits, each will continue to accrue delayed retirement credits worth 8% per year between their normal retirement age of 66 and age 70. In this case, each of the $2,000-per-month retirement benefits at normal retirement age will increase to $2,640 per month by age 70. At that point, they each would switch to collect their enhanced benefits
In the above example, their combined Social Security benefits would total $5,280 per month at age 70. That's more than $63,000 per year in guaranteed income for life and their larger base amount would translate into larger cost-of-living adjustments in the future.

In another case, an adviser from San Diego, said he is working with a couple where the husband, age 64, is fully retired, and the wife, 57, is still working. He wrote: “Is it possible for the husband to receive spousal benefits—half of his wife's benefit amount—now and allow his own benefit to continue to grow until age 70?

I replied: No. If the husband claims Social Security benefits now--- before he reaches his normal retirement age of 66-- he cannot segregate his benefit. He must collect the largest benefit to which he is entitled, which would be his own. But more importantly, because the wife is only 57 years old, she is not yet eligible for Social Security benefits. Consequently, there are no spousal benefits available for the husband to collect.


Remember my mantra: 66 is the magic age!

investmentnews.com When it comes to maximizing Social Security benefits, married couples have the most flexibility. But the rules about how and when to claim those benefits are very confusing, as evidenced by the numerous questions that have been clogging my inbox.

gregbodoh.com

Bodoh Wines and Associates | Bodoh Wines & Associates

THAT SPECIAL TIME OF YEAR…..
Year end is rapidly approaching. With this come the happy thoughts of the holiday season and not so happy thoughts of paying taxes. During the holidays, you may begin to ponder what perfect gift to give to a loved one. It can be difficult trying to give them something meaningful, while not wasting money.

Wouldn't it be great to give them something they can’t outgrow, that won’t become obsolete in a few months and that won’t lose its value? Well, there may be just such a gift. That gift is a Fixed Index Annuity.

Fixed Index Annuities come in many sizes starting at $5,000, and provide tax advantages to both you and the recipient. Unlike savings accounts with their low rate of return, Fixed Index Annuities guarantee your initial investment and all increases in value. The annuities also grow tax-deferred until the recipient begins to withdraw funds.

For the gift-giver, Nina Carter-McKee, CPA, affiliate of Bodoh, Wines & Associates says you can deduct a gift of up to $13,000, for the 2012 tax year. This amount will increase to $14,000 beginning January 1, 2013, for the 2013 tax year. So, giving a gift of an annuity to a family member can become a “tradition” that benefits the giver and the receiver both now and into the future.

As we approach the holiday and tax seasons, consider the gift that truly keeps on giving – a Fixed Index Annuity.

To find out more about how you can give this special gift and to make your holiday and tax season a brighter one, contact Judy, Greg, George or Ed at www.gregbodoh.com or telephone to 540-347-2125.

gregbodoh.com Helping investors, retirees and seniors create financial freedom since 1976. Our goal is to educate our clients to make the best...

[11/08/12]   Welcome to Bodoh Wines & Associates!

Face your future free of worries. Enjoy the peace of mind that comes with comprehensive retirement strategies. Gregory Bodoh and his staff of qualified professionals can help you develop a plan to ensure you enjoy the peace of mind you deserve.

Most people spend more time planning a two-week vacation than their retirement. And while it makes sense to put plenty of energy into a dream getaway, your financial future deserves every ounce of effort you can spare.Greg-Bodoh-Corporate-Philosophy

Fortunately, planning your retirement doesn't have to be a source of unwanted anxiety. It can be as simple as calling the right team to help you along your journey to financial freedom.

Our goal is to educate our clients to make the best deicsions for their financial futures. With this mission in mind, do three things on this site:

1) Look at our Educational Section

2) Look at our schedule of free educational seminars and sign up for one

3) Sign up for our weekly economic newsletter

Taking these three steps can greatly increase your financial knowledge and will hopefully spark more even more questions about how to secure your family's financial future.

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50 Sullivan St
Warrenton, VA
20186
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