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 * What's new in finance
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 * Our Team
 * How it Works
 * Common Questions
 * Investment Choices
 * Product Showcase
 * Next Step
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 * Contact Us
 * Sign up
 * Blog
 * This site is published
 * …  
   * Home
   * What's new in finance
   * Button
   * Our Team
   * How it Works
   * Common Questions
   * Investment Choices
   * Product Showcase
   * Next Step
   * Contact Us
   * Contact Us
   * Sign up
   * Blog
   * This site is published


Ready to Plan?
 * Home
 * What's new in finance
 * Button
 * Our Team
 * How it Works
 * Common Questions
 * Investment Choices
 * Product Showcase
 * Next Step
 * Contact Us
 * Contact Us
 * Sign up
 * Blog
 * This site is published
 * …  
   * Home
   * What's new in finance
   * Button
   * Our Team
   * How it Works
   * Common Questions
   * Investment Choices
   * Product Showcase
   * Next Step
   * Contact Us
   * Contact Us
   * Sign up
   * Blog
   * This site is published


Ready to Plan?



 * RETIREMENT AND INVESTMENT ADVICE
   
   
   Book An Appointment
   

 * WHAT'S NEW IN FINANCE AND BUSINESS!
   
   LATEST RULES, LAWS, REGULATION
   
   RMD (REQUIRED MININUM DISTRIBUTION) CHANGES FOR 2020
   
   ***CLICK HERE FOR FORBES ARTICLE***
   
   1) If you were supposed to start your RMD this year, you can wait until the
   year you turn 72.
   
   2) RMD requirements have been suspended for all in 2020 per the CARES Act
   
   3) Individuals taking early distributions will have the 10% penalty waived**
   (still taxable at income levels).
   
    
   
   **please seek guidance on taking money early from a retirement plan and how
   it affects your future income and retirement timeline
   
   HERO PAY FOR FRONT LINE WORKERS
   
   Thank you to our front line heroes during this time!
   
   1) Hazard Pay has been an ongoing discussion during COVID 19
   
   2) Proposals for hazard or hero pay have been discussed (but not passed).
   
   3) Employers would have to apply on behalf of their employees. Up to $25,000
   with income limitations.
   
   4) Front line are nurses, doctors, janitorial staff, grocery store workers,
   and various types of transportation workers. (essential)
   
   *still in early stages
   
    
   
   BUSINESS OWNERS RESOURCES
   
   Business Owners can apply for various loans through SBA and local banks.
   
   ***click here for SBA website and direct info***
   
   1) SBA loan with no/low fees and interest rates between 2.5 - 3.5 (direct
   with government on SBA website)
   
   2) Payroll Protection to cover payroll costs, partially forgivable if used
   primarily for payroll. (available through banks.)
   
   3) Look to your state agencies for available loans. Various states have
   rolled out loan packages.
   
   4) Prepare to wait!
   
   OFFERED SEVERANCE OR BUYOUT?
   
   Company's are known for offering severance, buyouts, or early retirement
   packages in times of financial uncertainty.
   
    
   
   1) Evaluate severance package terms and conditions.
   
   2) Ask questions regarding unemployment and verbiage of severance to your HR
   department.
   
   3) Lump sum payout vs paid as payroll - lump sum may allow for unemployment
   benefits.
   
   4) Know that the HR department serves the the company and has the company's
   interest at heart, get outside advice!
   
   5) You are now eligible to take your 401K, TSP, 403B and retirement savings
   and produce income and/or invest those monies in a way you and your financial
   adviser design.

 * Finra Broker Check
   Securities America Form CRS
 * OUR TEAM
   
   
   
   William Brennan is the owner of Brennan Financial Group. He is a Certified
   Financial Planner™, Investment Advisor Representative, and Registered
   Principal. A graduate of the University of Delaware, William has over 25
   years of experience in the financial services industry.
   
    
   
   Leigh Joseph joined Brennan Financial Group in 2007 after graduating from The
   University of Delaware. Leigh is both Series 7 and 66 licensed. She has 12
   years experience in the financial industry.
   
   
   
   MEET OUR TEAM
   
   


 * HOW IT WORKS
   
   MEET WITH BRENNAN FINANCIAL
   
   WE WORK WITH ALL AGE GROUPS. OUR MISSION IS TO PROVIDE INSIGHT INTO A VERY
   COMPLEX WORLD. FINANCIAL PLANNING CAN BE VERY COMPLICATED, BUT IT IS
   NECESSARY FOR MOST INDIVIDUALS AND FAMILIES. FINANCIAL PLANNING SHOULD BE
   ACCESSIBLE, INDIVIDUALIZED, AND UNDERSTOOD. OUR MISSION IS TO PROVIDE THE
   INDIVIDUALIZED SERVICE THAT PUTS FOLKS AT EASE AND CONFIDENT IN THEIR
   FINANCIAL FUTURE.
   
   1
   
   
   SCHEDULE A MEETING
   
   You are ready to create a plan. It is time to gather any information relevant
   to your financial situation in preparation for your initial meeting. This
   includes savings statements, 401k statements , defined benefit plans, non
   qualified assets, and insurance policies.
   
   2
   
   
   MEET WITH AN ADVISOR.
   
   Go over financial goals and expectations of working with a professional. Make
   sure your advisor understands those goals and you feel comfortable in
   developing a working relationship. Share what you are comfortable, if it
   takes more than an initial meeting to build trust that is okay. Never feel
   pressure to decide quickly, this decision effects the next phase of your
   life.
   
   3
   
   FOLLOW UP
   
   Go over a tailored plan with timeline of goals, cash flow analysis, and
   projection of impending retirement. This plan is a work in progress and just
   as life changes so must a financial plan. Be clear what you expect from your
   advisor. This should be a long lasting relationship built on trust.

 * COMMON QUESTIONS
   
   REASSURANCE. MAKING SURE YOU ARE ON TRACK AND HAVE A PLAN.
   
   EMPLOYER SPONSORED PLANS
   
   AM I SAVING ENOUGH?
   
   Contributing to a 401k, 403b, or an IRA increases your chances of a
   successful retirement, but how much is enough? We work with our clients to
   answer this complicated question.
   
   INVESTMENT CHOICES
   
   WHERE SHOULD I BE PUTTING MY MONEY?
   
   Investment choices are as complicated as the reasons behind them. We address
   some common investing mistakes and build a tailored portfolio around risk
   tolerance, income needs, and retirement timelines.
   
   FINANCIAL CALCULATORS - CLICK HERE
   
   RESOURCES FOR RETIREMENT
   
   When you are in the beginning stages of planning, financial calculators are
   great tools that give a rough idea of retirement goals and income needs for
   your future. Calculators have their limitations, specifically all the outside
   factors and conditions of lifestyle goals. When financial calculators fall
   short consult a financial advisor.

 * INVESTMENT CHOICES
   
   
   

 * INDIVIDUAL STOCKS AND EXCHANGE TRADE FUNDS
   
   PORTFOLIOS CONSTRUCTED WITH INDIVIDUAL COMPANY STOCK AND/OR LOW COST FUNDS
   THAT MIRROR S&P, SECTORS, OR A BASKET OF FUNDS. EVALUATED QUARTERLY OR
   ANNUALLY. RISK TOLERANCE AND INVESTMENT HORIZON MAJOR FACTOR IN HOW PORTFOLIO
   FUNDS ARE CHOSEN.
   
    
   
   MANAGEMENT FEES OF 1%-1.25% NO SURRENDER PERIODS
   
   Buy Now
   
   ACTIVELY TRADED
   
   PORTFOLIOS TRADED EVERY DAY WITH A FOCUS ON RISK MANAGEMENT AND MARKET
   CONDITION CHANGES. EVALUATED DAILY AND TRADED DAILY. ABILITY TO USE INVERSE
   AND LEVERAGE FUNDS. STRATEGICALLY TRADED THEREFORE HIGHER COST.
   
    
   
   MANAGEMENT FEES 1.0%-1.5% NO SURRENDER PERIODS.
   
   Buy Now
   
   VARIABLE ANNUITIES
   
   PRODUCT THAT OFFERS INCOME RIDERS AND DEATH BENEFITS WITH SUB ACCOUNTS THAT
   ARE TIED TO THE STOCK MARKET. INCOME RIDERS AND DEATH BENEFITS HAVE A COST
   AND INTERNAL FEES OF SUBACCOUNTS.
   
    
   
   COST VARIES FROM 1%-3%* DEPENDING ON THE ADDING OF RIDERS TO CONTRACT.
   SURRENDER PERIODS CAN RANGE FROM 4-10 YEARS.
   
   Buy Now
   
   EQUITY INDEX ANNUITIES
   
   LOW COST ANNUITIES THAT OFFER SAFETY OF PRINCIPAL AND INCOME GUARANTEES. CAN
   OFFER DEATH BENEFITS AND NURSING HOME RIDERS AS WELL. PERFORMANCE TIED TO
   FIXED ACCOUNT AND EQUITY INDEX USING CREDITING. INCOME RIDERS AND DEATH
   BENEFITS HAVE A COST, BUT NO INTERNAL FEES.
   
    
   
   COST VARY FROM 0%-1.3%* DEPENDING ON ADD ONS OF RIDERS. SURRENDER PERIODS CAN
   RANGE FROM 4-10 YEARS.
   
   Buy Now
   
   LIFE INSURANCE
   
   20 YEAR TERM - INCOME REPLACEMENT FOR LOWEST COST. YOUNG FAMILIES SHOULD
   INVESTIGATE.
   
   *AFTER 20 YEARS PREMIUMS ARE GONE*PLUS SIDE YOU'RE ALIVE!
   
    
   
   UNIVERSAL / WHOLE LIFE INSURANCE - CREATE CASH VALUE AND DEATH BENEFIT. THIS
   INSURANCE DOES NOT EXPIRE LIKE 20 YEAR, BUT THE COST TO INSURE IS ALSO
   HIGHER. PROTECTS YOU IF LATER IN LIFE YOU BECOME UNINSURABLE.
   
    
   
    
   
    
   
   Buy Now
   
   LONG TERM CARE
   
   LONG TERM CARE - DO YOU NEED IT, AND WHEN SHOULD YOU GET IT? IT VARIES FROM
   PERSON TO PERSON. IS THE PREMIUM COST WORTH THE BENEFIT? LONG TERM CARE
   OFFERS A DAILY BENEFIT TO OFFSET COST OF STAY IN SKILLED NURSING HOME OR
   ASSISTED LIVING. (CANNOT PERFORM 2 OUT OF THE 5 ADULT DAILY LIVING). LONG
   TERM STAYS IN SKILLED NURSING HOME AND ASSISTED LIVING ARE NOT COVERED UNDER
   MEDICARE.
   
   Buy Now
   
   
   

 * NEXT STEPS
   
   WE LOVE FINANCIAL CALCULATORS, THEY ARE GREAT STARTING POINTS. THE SITES THAT
   PROVIDE THEM ARE WONDERFUL RESOURCES. WHEN THE HYPOTHETICAL RETIREMENT
   BECOMES REAL WE WOULD LIKE TO BE THE EXPERT YOU CALL.
   
   IRA ROLLOVERS
   
   INVESTING IN YOUR FUTURE
   
   You've retired or switched jobs and need to evaluate what you should do with
   the money you've contributed. An IRA rollover lets you control that savings,
   derive income, and chose what type of investor you want to be. IRA's can be
   less restrictive than employee contribution plans which gives limitless
   options for different types of investors.
   
   INSURANCE
   
   USING A THIRD PARTY TO INSURE YOUR RETIREMENT
   
   Insurance isn't the right choice for everyone, but when used strategically it
   is a very effective tool in financial planning. From 20 year term to long
   term care, insurance can provide peace of mind.

 * CONTACT US
   
   READY FOR YOUR FUTURE? START A PLAN TODAY!
   
   3521 Silverside Rd Suite 2G-2 Wilmington De 19810
   Monday - Friday
   9:00 am - 5:00 pm
   *After Hours Appointment upon request
   *In home appointments upon request
   3026558361
   3026558361
   wbrennan@brennanfinancialgroup.com
   
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 * CONNECT WITH US
   
   MAKE SURE TO ADD LINKS TO THE ICONS!
   
   Bill Brennan
   
   Leigh Joseph
   
   
   
   3026558361

 * SIGN UP
   
   FOR NOTIFICATION ON SPECIAL EVENT WORKSHOPS AND NEWSLETTERS
   
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 * THE BLOG
   
   MARKET OUTLOOK AND FINANCIAL COMMENTARY
   
   Coronavirus and the Economy
   March 2, 2020
   
 * THIS SITE IS PUBLISHED FOR RESIDENTS OF THE UNITED STATES AND IS FOR
   INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE AN OFFER TO SELL OR A
   SOLICITATION OF AN OFFER TO BUY ANY SECURITY OR PRODUCT THAT MAY BE
   REFERENCED HEREIN. PERSONS MENTIONED ON THIS WEBSITE MAY ONLY OFFER SERVICES
   AND TRANSACT BUSINESS AND/OR RESPOND TO INQUIRIES IN STATES OR JURISDICTIONS
   IN WHICH THEY HAVE BEEN PROPERLY REGISTERED OR ARE EXEMPT FROM REGISTRATION.
   NOT ALL PRODUCTS AND SERVICES REFERENCED ON THIS SITE ARE AVAILABLE IN EVERY
   STATE, JURISDICTION OR FROM EVERY PERSON LISTED.
   
   SECURITIES OFFERED THROUGH SECURITIES AMERICA, INC., MEMBER FINRA/SIPC.
   ADVISORY SERVICES OFFERED THROUGH SECURITIES AMERICA ADVISORS, INC. BRENNAN
   FINANCIAL GROUP AND SECURITIES AMERICA ARE SEPARATE COMPANIES.
   
   
   




© 2019




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