Complimentary Informative Reports
Free Whitepapers & Reports
Our number one mission is client education. We want to work with you to help ensure that you make informed, educated decisions that will best suit your current needs and help enable you to achieve your long-term financial goals. We will teach you the basics of investing, the importance of financial defense, the essential facts about market history, what you need to know about interest rates, bond funds and strategic investing, and the difference between income and cash flow. Whitepapers are available to you on specific topics. Please click on the specific report or contact us to receive your complimentary whitepaper at info@rissfg.com.
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The Case for Fixed Income
Longer retirements can increase the need for renewable income streams. This report explains how fixed-income securities may generate interest while helping preserve principal and why income-focused planning can differ from relying on a larger lump sum.
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Bonds vs. Bond Mutual Funds
This report compares individual bonds with bond mutual funds, focusing on interest payments, maturity, principal repayment assumptions, fees, taxes, and the ways market losses may affect each approach.
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10 Signs You Are Working With a True Income Specialist
Use ten practical signs to evaluate whether an advisor demonstrates the listening skills, fiduciary focus, income-planning knowledge, and retirement-specific approach described as hallmarks of a true Income Specialist.
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10 Signs You Are Working With the Wrong Financial Advisor
This report outlines ten warning signs that an advisor relationship may no longer fit a retiree's needs, including ignored risk preferences, non-fiduciary practices, generic portfolios, and weak retirement-income planning.
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The Importance of Financial Defense
Using the idea that defense protects long-term success, this report examines how significant market losses can affect retirement savings and why defensive, income-oriented planning becomes more important near and during retirement.
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Have I Saved Enough to Retire?
Retirement needs vary with lifestyle, timing, health, goals, and expected expenses. This report explains why broad savings rules are limited and describes a budget-based way to estimate the income a specific retirement may require.
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Give More, Pay Less in Taxes: Qualified Charitable Contributions
This report describes Qualified Charitable Distributions (QCDs), including direct IRA-to-charity transfers, timing and eligibility considerations, and the potential relationship between charitable giving, adjusted gross income, and Required Minimum Distributions (RMDs).
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Generating More Dependable Passive Income Streams
As individuals take greater responsibility for funding retirement, dependable passive income can become increasingly important. This report defines passive income and surveys sources that may support a retirement-income plan.
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