Welcome To Kennedy Advisor Group
Helping You Secure Financial Peace-of-Mind
Helping You Secure Financial Peace-of-Mind
We are as concerned for your health as we are about keeping your money safe!
Our office is cleaned thoroughly after every appointment...
Just let us know if we can provide you with a personal mask and hand sanitizer.
Our office is cleaned thoroughly after every appointment...
Just let us know if we can provide you with a personal mask and hand sanitizer.
About Us
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Jeff Kennedy
Retirement Planning Specialist JEFF KENNEDY of Kennedy Advisory Group, LLC, has been in the Financial Services Business since 1971 and has helped thousands of clients over the years to Accumulate Wealth while at the same time save on Taxes. Jeff actually started in the Insurance Industry right out of "The University of Alabama" in 1971, after enlisting in the United States Army National Guard in which he served six years. Those days were fun and I remember you could buy an new Buick Electra 225 Limited for less than $3000 and build a house for $10 per square foot with all the trimmings. Gas was a quarter a gallon then too. Times have really changed and inflation has taken its toll on us all. It was rare to become a Millionaire back then too. Today it's not that big of a deal and many of us have achieved that goal easily. So I say to you, a Million bucks won't buy you that much income today. If you invest it at 5%, it will produce $50,000 per year, but it is perpetual, as long as you don't lose any of your principal. BUT INFLATION WILL ERODE YOUR BUYING POWER. That new Buick is now $30,000. Sure it's been 45 years, but you see from that example you must factor in inflation in your long term planning process to be sure you don't run out of money before you run of of life, and living to age 100 is a reality today thanks to modern medical technology.
You really don't want to outlive your money! We all really have the same goals: 1. PRESERVATION OF CAPITOL 2. A DECENT RETURN 3. LIFETIME INCOME I show my clients how to achieve these goals with NO RISK and NO Loss of Capitol. If this sounds like something you would like more information about, please give me a call at (205) 222-2487 or email Jeff at [email protected] As one approaches retirement, we all are faced with the decisions of Medicare, Social Security, 401(k), IRA and Pension Funds. What are all my choices, which one works best for my situation and who can I consult that knows the answers and can advise me on all the choices I face and can help me make intelligent decisions. Most of the choices you must make are irreversible, so you really want to get good advice and get it in advance. If you are even close to that point in your life, please give Jeff a call and ask for a personal meeting. Jeff works the old fashion way that he started off working 45 years ago. He will come to your house and sit down with you and your spouse, around the kitchen table and review your situation in detail. There is no charge for this consultation and he only ask that if you like his ideas and suggestions and he offers products and services that would work for you, that you do business with him and refer him to your friends and associates. Fair enough? If so, give Jeff a call @ 205-222-2487 for a no obligation consultation. BUSINESS OWNERS- If employee benefits are eating up profits, then it might be time to do a complete review of your current benefits being offered to your employees. If you have less that 50 employees, there are many options available on Health Insurance. I have shown many employers how to save THOUSANDS OF DOLLARS, annually and the employees end up with the same or better benefits (including BC/BS). If you offer a retirement plan such as a 401(k) plan, I can usually save you money on annual admin fees , and also ways you as an owner, can max out contributions for yourself. I review all benefits offered and most of the time can shop those benefits for you, resulting in lower premiums and better benefits. No Consultation fees either. Give Jeff a chance to show you how he can save your company money and increase benefits, while improving employee loyalty. |
LUTCF, MILLION DOLLAR ROUND TABLE, qualifying member, National Association of Life Underwriters,
Society of Certified Senior Advisors, Member- The University of Alabama Denny Society.
Society of Certified Senior Advisors, Member- The University of Alabama Denny Society.
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Glenn Turner | Retirement Planning Specialist
Glenn Turner started in the Financial Services business in 1992 and is still going strong after 28 years, having helped hundreds of clients with their financial needs. Originally from Nashville, TN, Glenn moved to Atlanta, GA in 1985. and graduated from Georgia State University with a major in Finance.
Although Glenn initially began his career with Oppenheimer, he co-founded The Volume Investor (later Neovest) in Atlanta in 1992 which utilized computerized approaches to identify hidden valuations and opportunities in the stock market. The start-up grew to 50 employees and eventually sold to JP Morgan. After a brief stint at Bank of America Investments (2001-2003) as the exclusive financial representative to the NW Business Banking Division, he founded Glenn Turner Investments, Inc which specialized in Global Equity Portfolio Management. The 10 years that followed involved helping clients achieve their financial goals by active, hands-on implementation of sophisticated financial strategies. However, health issues forced Glenn to sell his business in late 2014. After recovering and taking up employment at Wells Fargo for a number of years, Glenn discovered Safe Money Radio and knew he was the perfect fit. His background in and exposure to Financial Services, Equity Strategies, and Banking greatly complimented the call for Retirement Planning. He recognized that, in these times, with modern technology, it made a lot of sense to utilize cutting edge products to, not only reduce the risk of losing money but to eliminate it altogether. Now, working side by side with radio personality Jeff Kennedy, Glenn is in the business of educating clients on how to capture the upside performance of the market and how to keep these gains year after year. Glenn has made it his mission to reach as many people as possible in order to help maximize their quality of life. Glenn lives in Atlanta GA (commutes to Birmingham) with his wife Candy. The two enjoy 5 grown children. Both he and Candy have a passion for couples dancing; primarily Two-Stepping, West Coast Swing, and Ballroom. You can often find them at a venue on the weekends enjoying the dance floor. Glenn and Candy are active members of their church and Glenn has served as chaplain at a county jail for the last 5 years. |
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Our Financial Services
What We Do For Clients At Kennedy Advisor Group
What We Do For Clients At Kennedy Advisor Group
What We Offer
Retirement income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought.
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
Asset protection
You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservation of your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed!
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!
We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!
We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Estate maximization
Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.
Contact our office today to schedule a one-on-one estate planning consultation.
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.
Contact our office today to schedule a one-on-one estate planning consultation.
Qualified plan rollovers
Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.
Here are four things you can do with the money in your employer sponsored retirement plan:
Let us help you determine if a rollover is the right move for you!
Here are four things you can do with the money in your employer sponsored retirement plan:
- Leave the money where it is
- Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
- Transfer the money to another employer-sponsored plan (if the plan allows)
- Roll the money over to a self-directed IRA
Let us help you determine if a rollover is the right move for you!
Life Insurance
Life insurance is designed to provide family members (beneficiaries) the money they would need to live the life you've envisioned for them, should you die prematurely. When considering the amount of life insurance you need, consider your family's needs for liquidity, income replacement, mortgage protection and estate tax liability.
Keep in mind that as you grow older you'll probably need less coverage as debts are usually paid off, college costs are gone, mortgages are paid off, etc.
Keep in mind that as you grow older you'll probably need less coverage as debts are usually paid off, college costs are gone, mortgages are paid off, etc.
Long Term Care
Long-term care is a combination of services directed toward meeting the needs of someone who, due to reduced physical functioning and/ or reduced intellectual functioning, is unable to carry out everyday tasks without the help of another person.
Long-term care goes beyond medical and nursing care to include all the assistance you could need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time - generally over 3 months. You can receive long-term care in a nursing home, assisted living facility, or in your own home. Though older people use the most long-term care services, a young or middle-aged person who has been in an accident or suffered a debilitating illness might also consider long-term care.
Long-term care goes beyond medical and nursing care to include all the assistance you could need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time - generally over 3 months. You can receive long-term care in a nursing home, assisted living facility, or in your own home. Though older people use the most long-term care services, a young or middle-aged person who has been in an accident or suffered a debilitating illness might also consider long-term care.
- At age 65, people face at least a 40% risk of entering a nursing home at some point in their lifetime and about 10%will have a stay of five years or longer.
- Because women generally outlive men by several years, they face a 50% greater likelihood than men of entering a nursing home after age 65.
- The average daily rate in 2013 for a private room in a nursing home was $285 an average nursing home stay of 2.4 years costs about $208,000 making it unaffordable for many Americans.
- The average length of a nursing home stay is 2.4 years.
Trust
A revocable living trust is a legal arrangement by which an individual shifts ownership of property (such as a home, real estate, stocks, bonds, etc.) from personal ownership into the legal ownership of the trust. The trust is created during an individual's lifetime, but can be changed or terminated at any time. Assets in a revocable trust are subject to estate taxes, but help to maintain privacy and can reduce the cost of probate. If you own real estate in multiple states, for example, the trust can be used to avoid probate in the state in which it is located.
Irrevocable trusts are similar to revocable trusts in that they're legal entities that hold assets for their beneficiaries and act as instructed by the grantors, but differ because the contributions are irrevocable and therefore cannot be taken out of the trust by the grantor. Given this downside, why opt for an irrevocable trust? They offer tax advantages that revocable trusts don't, such as enabling you to give money and assets away even before you die.
Irrevocable trusts are similar to revocable trusts in that they're legal entities that hold assets for their beneficiaries and act as instructed by the grantors, but differ because the contributions are irrevocable and therefore cannot be taken out of the trust by the grantor. Given this downside, why opt for an irrevocable trust? They offer tax advantages that revocable trusts don't, such as enabling you to give money and assets away even before you die.
Safe Money Radio
Jeff Kennedy On Air
Jeff Kennedy On Air
Get in Touch With Us
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Kennedy Advisor Group
3109 Woodclift Circle Mt. Brook, Al 32543 Email: [email protected] Call: (205) 222-2487 |