Blog
Vipul Varma
Financial Advisor in Parker CO
Investment Planning, Wealth Management, Retirement Planning, Estate Planning
The Stock Market Hasn’t Always Earned 8%, 10%, or 12%
YouTube video from my Channel: You may have been told to invest in the stock market because you’ll possibly earn 8 , 10 and even 12 percent per year. And if you got these returns, everything would turn up roses. But what if you...
Read MoreWhat Do You Want From Your Money?
Whiteboard Video from YouTube: Recent studies show retirees have seven financial goals in retirement: A guarantee that they won’t run out of money for as long as they live. To avoid large stock market losses and never suffer...
Read MoreAre Your Assets Positioned For Success Or Failure During Retirement?
Video from YouTube: Stage 1 of Retirement Planning is known as Asset Accumulation. You’re young, still working and investing monthly, had time to make up losses, and focused on maximizing growth, because you...
Read MoreSafe Income Withdrawal Rates During Retirement
Watch my YouTube video: When you started saving for retirement, you were told you could save up a big pile of money, use the earnings for retirement income and leave the same exact pile of money to your beneficiaries. This probably...
Read MoreDo You Have A Beautiful Pie Chart Portfolio?
Video on my YouTube Channel: When you see your statements, your portfolio is graphed into a really nice looking pie chart – it’s beautiful. Your advisor said you have so many funds because you’re diversified, in order...
Read MoreShow All
Are You Blind to Your Own Possible Financial Failure?
Educational Video from YouTube: Have you been led to believe that everything is great in your finances? Maybe you trust your advisor who says everything is OK. Maybe you believe the news that everything is OK because the stock market...
Read MoreWould Your Spouse Know What To Do With The Money If Your Were Gone?
YouTube Video on my Channel: For most married couples, one spouse has handled the investments they have planned for retirement, and the same spouse continues to do so during retirement. The spouse that doesn’t handle the...
Read MoreWould You Drive Your Car in the Desert with a Broken Fuel Gauge?
Whiteboard Video from YouTube: Pretend that you are driving across country, just entered a very large desert area, and realize you have a broken fuel gauge. You know you just filled up a short time ago, but have no idea how much gas...
Read MoreAre You Blind to Your Own Success?
Video from my YouTube Channel: Many of the clients we work with have no idea that they have actually succeeded in their long-term goal of being able to have a successful, safe, and secure retirement. They are literally blind to their...
Read MoreHave You Ever Had Your Entire Portfolio Analyzed?
Video on YouTube: You’ve saved for decades, accumulating significant assets for retirement. You may have done it yourself or you may have used an Advisor. You have stocks, mutual funds, maybe some bonds, and you’ve been...
Read MoreAre You Afraid to Sell Your Stocks & Mutual Funds Because Of Capital Gains
Video on YouTube: Are you worried about how much risk you have in your portfolio, but you’re too afraid to sell some of your assets because you’ll have to pay too much in taxes on your gains? You watch your...
Read MoreWhat Is the Real Purpose Of Your Money?
Video on YouTube Channel: Now retired or soon to retire, there are so many questions about your money. Investments? Income? Taxes? Social Security? Medicare? Trusts? Beneficiaries? But the single most important question you have to ask...
Read MoreWarning Signs About Your Money
Video on YouTube Channel: Most retirees who have saved a significant amount of money for retirement rely on a financial professional to help them make the best decisions with their money. What your advisor does, and says, will tell you...
Read MoreBeware of Annuities
Video on YouTube: Don’t ever buy a fixed index annuity with an income rider unless you want to: #1- Protect your assets against all stock market losses and volatility. #2- Create dependable monthly income, monthly retirement...
Read More3 Rules to Protect a Spouse Who Loses a Pension
Video on YouTube Channel: You’re married and everything seems to be going just fine in retirement. You or your spouse have a sixty thousand dollar single life only pension, you each get twenty thousand dollar per year in Social...
Read More7 Rules For Business Owners To Have a Successful Retirement
Watch on my YouTube Playlist: You worked day and night for a long time to build your business, to make it successful, it’s your “Baby”. The business generated you a considerable amount of income every year you could...
Read MoreAre You Having To Handle Your Money All By Yourself?
YouTube Video: Whether you are divorced, widowed, or a lifelong single person, planning your retirement finances can be extremely challenging when you only have yourself to rely on. You only have one Social Security, maybe a pension,...
Read MoreYour Advisor Is Not Your Friend
Video on YouTube Channel: One of the biggest mistakes is thinking of your financial advisor as your friend, instead of looking at it as a business relationship to provide you with sound financial advice. A friend would actually...
Read MoreHow to Reduce Your Fears About Your Money & Retirement
Video from YouTube Channel:If you’re retired or near retirement, we can help reduce, even eliminate, your worries and anxiety about your money.We can create a written retirement income plan for you that will serve as a roadmap,...
Read MoreThe Million Dollar Seminar It’s Your Money It’s Time You Learned the Truth
Video on YouTube:Many retirees are confused and worried about how to achieve retirement success, so, we created a seminar to teach you the truth about:The 9 key questions to answer for a secure retirement.Actual stock market returns....
Read MoreA Roadmap for Your Retirement Success
Whiteboard Video on YouTube:If you’re a retiree who worries a lot about your money, it’s because you don’t have a plan.Having a financial plan, in writing, works like the GPS navigation in your car, making sure you...
Read MoreAnnuity Myths - Lies People Will Tell You- Myths 11-15
Watch on my YouTube Channel:People will tell you myths about fixed index annuities with income riders, because they don’t really understand how they work, or because they want to sell you something else.Myth #11- Your income will...
Read MoreAnnuity Myths - Lies People Will Tell You - Myths 6-10
Video on YouTube:People will tell you myths about fixed index annuities with income riders, because they don’t really understand how they work, or because they want to sell you something else.Myth #6- You can’t get...
Read MoreAnnuity Myths (Lies) People Will Tell You - Myths 1 – 5
Educational Video:People will tell you myths about fixed index annuities with income riders, either because they don’t really understand how they work, or they want to sell you something else.Myth #1-You will pay very...
Read MoreWarning Lines Signs From Your Advisor
1-Minute Video:You may have had your Advisor for a long time, and think of them as your friend. But, as a retiree, be wary of these advisor “lines”.“You need to ride out all stock market volatility,...
Read MorePut Your Mutual Funds on the Couch
Video on YouTube:If you’re like most people, you don’t understand your portfolio and each of the individual mutual funds you own. A fund analysis can help.A fund analysis, basically an audit, will determine if you have too...
Read MoreStock Market Math Doesn’t Add Up
1-Minute Whiteboard Video: The stock market lost -50 percent during the 2000-2002 Technology Bubble and lost -50 percent again during the 2007-2009 Financial Crisis, crushing American portfolios and dreams.In 2008, the US...
Read MorePortfolio “True Risk” Analysis – Risk Audit
Video on YouTube:If you’re like many of the retirees or pre-retirees we meet, you have 2 major issues:First, you have no idea how much risk you’re currently taking, so you have no idea how much you could really lose in the...
Read MoreHow a Stop Loss Strategy Can Potentially Reduce Your Investment Risk
1-Minute Video: In the past, when the stock market crashed, you were told to “Ride It Out”.When the stock market lost -50 percent in 2000-2002 and again in 2007-2009, you were told you’d easily recover,...
Read MoreThe 3 Bucket Approach to Investing for Retirment
Video on YouTube:Most retirees want less risk, smaller losses, to earn a reasonable rate of return, liquidity, and income that is guaranteed for life. That’s why we created our 3 Bucket Approach, using multiple conservative...
Read MoreHow Does “Indexing” Work In a Fixed Index Annuity?
1-Minute Video:Wouldn’t you love to make money when the stock market goes up but never lose anything when the stock market goes down? You can! A fixed index annuity bases your annual gains on a portion of an index you choose,...
Read MoreTake Control of Your 401K At Age 59 ½ or Earlier
1-Minute Video:Are you comfortable with the risk, volatility, and potential losses in your 401K plan? We have found most people have a large portion of their retirement savings in their current or old 401Ks, yet they don’t...
Read MoreHow to Turn Your Portfolio Into Dependable Monthly Lifetime Paychecks
1-Minute Video:The number 1 fear almost every retiree has is running out of money during retirement. If your is not guaranteed to be paid to you for as long as you live, you’ll continue to worry day-after-day,...
Read MoreHave You Had a Risk Stress Test Performed On Your Portfolio?
1-Minute Video on YouTube:You can’t suffer a big loss to your savings now you’re retired or nearing retirement, you might not make it up, and you could run out of money. Most retirees we meet with are taking far more...
Read MoreWhat Is A Fixed Index Annuity With An Income Rider?
1-Minute VideoRetirees want safe assets they can depend on. A potential solution is a fixed index annuity with an income rider.It protects your savings against 100 percent of all stock market losses. If the stock market crashes,...
Read MoreTotal Fees – You Are Probably Paying A Lot More Than 1% Per Year
1-Minute Video:Do you really know the total fees you’re paying to have your assets managed? 1 percent is the typical advisor fee. An additional 1 percent is the typical money manager fee to manage your assets. According to...
Read MoreThe Most Important Thing About Retirement Success
1-Minute Video:The single most important way to achieve retirement success is to have an actual written plan.You can’t buy a home, get a mortgage, buy a car, open a bank account, get health insurance, or even get married without...
Read More5 Financial Attitude Adjustments To Make For Retirement Success
1-Minute Video:For decades you’ve been a dedicated saver for retirement, seen crashes and rallies, gotten a lot of advice, and have tried to do all the right things with your money, but you still worry. The biggest problem...
Read More9 Questions You Must Be Able To Answer For A Secure Retirement
1-Minute Video on YouTube:Here are 9 basic questions you must be able to answer for a safe and secure retirement, so you can stop worrying about your money:#1 – How much money can you safely take out of your assets for...
Read More7 Steps for A Secure Retirement
1-Minute Video:Here are 7 Steps to follow for a Secure Retirement, to stop worrying about your money: Number 1 – Put your entire plan in writing, so you can feel free to spend your money - without guilt or fearNumber 2 –...
Read More7 Rules To Live By For Retirement Security
1-Minute Video:If you’re retired and need a roadmap for financial success try our “7 Rules To Live By For Retirement Security”: Number 1 - Avoid Large Losses – never go through another -50% stock...
Read MoreRetirees 7 Biggest Worries During Retirement
1-Minute Video:You saved so you could have a secure, worry-free retirement. Retired, or neared retirement, you constantly worry about your money because you are no longer receiving a paycheck. You worry about your portfolio, all...
Read MoreThe 7 Biggest Financial Mistakes Retirees Continue to Make
1-Minute Video:If you’re a retiree and nearing retirement you could be making these big mistakes with your money . #1 – Investing Your money like you did when you were younger and working#2 – Not knowing...
Read MoreHow Much Risk Do You Really Want to Take?
1-Minute Video:We believe risk is simply a measure of how much you could potentially lose in the next stock market crash. Since 1929 the stock market crashes an average of 40 percent, every 7 years.So as a retiree, or pre-retiree...
Read MoreThe Reality Of Saving For Retirement
VIP Financials Financial Advisor Investment Planning Wealth Management retirement estate indexed annuities life insurance Colorado Parker CO fiduciary
Read MoreWhy Did You Start Saving Your Money Decades Ago?
VIP Financials Financial Advisor Investment Planning Wealth Management retirement estate indexed annuities life insurance Colorado Parker CO fiduciary
Read MoreSafe Income Withdrawal Rates During Retirement
1-Minute Video:When you started saving for retirement, you were told you could save up a big pile of money, use the earnings for retirement income and leave the same exact pile of money to your beneficiaries. This probably won’t...
Read MoreDo You Have a Beautiful Pie Chart Portfolio?
1-Minute Video:When you see your statements, your portfolio is graphed into a really nice looking pie chart – it’s beautiful. Your advisor said you have so many funds because you’re diversified, in order to minimize...
Read MoreRide Out The Stock Market? Maybe Not As Losses Are Harder To Make Up Than You’ve Been Told
1-Minute Video:You been told to ride out the #stockmarket, to stay invested, and losses will be easy to recover from. But, how much did you lose in 2000-2002 and 2007-2009 when the stock market crashed? Many people lost 50 percent...
Read MoreDo You Think The Stock Market Will Crash During Your Lifetime?
1-Minute Video:The stock market has always been volatile, going and going down repeatedly. But what are the actual FACTS about stock market crashes? Since 1929, the stock market has had 13 bear market crashes that have averaged -39.5...
Read MoreThe Stock Market Hasn’t Always Earned 8%, 10%, or 12%
1-Minute Video:You may have been told to invest in the #stockmarket because you’ll possibly earn 8 , 10 and even 12 percent per year. And if you got these returns, everything would turn up roses. But what if you don’t? The...
Read MoreWhat Do You Want From Your Money
VIP Financials Financial Advisor Investment Planning Wealth Management retirement estate indexed annuities life insurance Colorado Parker CO fiduciary
Read MoreAre Your Assets Positions For Success or Failure During Retirement?
Parker Colorado, VIP Financials Financial Advisor Investment Planning Wealth Management retirement estate indexed annuities life insurance Colorado Parker CO fiduciary
Read MoreWhat Do You Want From Your Money?
1-Minute Video: Recent studies show retirees have seven financial goals in retirement: A guarantee that they won’t run out of money for as long as they live. To avoid large stock market losses and never suffer through another...
Read More