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Adolfo & Andres Rodriguez with A/R Financial Group, Interviewed on the Influential Entrepreneurs Podcast Discussing How Social Security Claiming Impacts Retirement

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Adolfo & Andres Rodriguez with A/R Financial Group, Interviewed on the Influential Entrepreneurs Podcast Discussing How Social Security Claiming Impacts Retirement

Published on September 16, 2022

Adolfo & Andres Rodriguez discuss their approach to helping clients create a savings plan that makes sense for a successful future. Social Security is a necessary part of a comprehensive retirement income strategy; there are important considerations before claiming early. Working with a financial professional is crucial in coordinating three types of benefits.

Listen to their podcast interview on the Business Innovators Radio Network
https://businessinnovatorsradio.com/interview-with-adolfo-andres-rodriguez-with-a-r-financial-group-discussing-how-social-security-claiming-impacts-retirement/ 

Rodriguez says, “By combining the proper social security claiming strategy, the judicial use of annuities within qualified plans, a partial Roth conversion tactic, a properly structured Indexed Universal Life Insurance policy, and other financial instruments, a synergistic effect can be created. This approach could minimize exposure to market risk, assure the continuation of tax-efficient income, and significantly increase the after-tax amount received.”

Social Security is a crucial part of many people’s retirement planning. The Social Security Administration (SSA) estimates that about 60% of elderly Americans rely on Social Security for at least half of their income.

For most people, deciding when to claim Social Security benefits is one of the most important financial decisions they will make in retirement. The key to making the right decision is understanding how Social Security works and fits into an overall retirement plan.

Learn More: http://adolforetirement.com/

Here are some things to consider when making claiming decision:

Full Retirement Age

The full retirement age (FRA) is the age at which someone is eligible to receive full Social Security benefits. For people born between 1943 and 1954, FRA is 66. For those born in 1960 or later, FRA is 67. If they claim benefits before reaching FRA, their benefit will be reduced.

Life Expectancy

Life expectancy is an essential factor to consider when claiming Social Security benefits. Generally speaking, the longer someone is expected to live, the more advantageous it is to delay claiming benefits. This is because Social Security benefits are designed to replace a more significant portion of working income if they claim them later in life. For example, if they claim benefits at age 70 rather than 62, their benefit will be 28% higher. This can make a big difference in their overall retirement income.

Health Status

Health status is another critical factor to consider when making Social Security claiming decision. Generally speaking, the healthier someone is, the longer they can expect to live. If someone is in good health, waiting to claim Social Security benefits may be advantageous. On the other hand, if their health is not good and they don’t expect to live a long life, it may be better to claim benefits earlier. This is because they’ll want to maximize the time they spend receiving benefits.

The Bottom Line

Deciding when to claim Social Security benefits is a complex one. There are a lot of factors to consider, and there is no single right or wrong answer. The best thing you can do is to become educated about how Social Security works and how it fits into the overall retirement plan.

About  Adolfo & Andres Rodriguez

Adolfo Rodriguez became managing partner of the A/R Financial Group in 2005. With over 20 years of experience in the insurance and financial service industry, Adolfo Rodriguez has always focused on the unique needs and goals of the pre-retiree & retiree community. Adolfo Rodriguez and his team serve a select group of families to help build and maintain the retirement lifestyle they have worked so hard for and deserve.

Adolfo Rodriguez is a college graduate from the University of Houston Clear Lake and holds the following designations: Registered Financial Consultant (RFC), National Social Security Advisor (NSSA). He is a National Financial Planning Association member and the National Association of Insurance and Financial Advisors. Adolfo Rodriguez created the “GRIP” a proprietary system that produces guaranteed income in retirement, and author of “My Retirement Rescue” book. Adolfo is currently the President of the non-profit organization Casa Cuba of Houston. Adolfo is a member of the board of the San Jacinto College Advisory Committee. Adolfo is a speaker for SOFA, a non-profit organization Society of Financial Awareness. He’s also Co-founder of Bio Energetic, with two pain management clinics in Las Vegas, Nevada, San Antonio, and opening one in Houston in 2022. Adolfo Rodriguez has been featured on many networks as a Social Security and retirement expert.

Adolfo Rodriguez was born in Havana, Cuba in 1966, and his parents were able to leave the communist island for a better life in 1968. Adolfo’s family was transplanted to Texas, where they lived all their life. Adolfo grew up in Pasadena from the age of 12 and has been here ever since. Adolfo learned from his father the value of hard work, honesty, and integrity. His father opened and operated his own business, and Adolfo inherited the business after his father’s death in 2016. Adolfo operates the accounting part of his father’s business as other family members run the business’s daily operations.

Adolfo Rodriguez married his wife Denise Rodriguez in 1992 and have two children, a son Andres and a daughter Alexa. Alexa graduated from the University of Houston and will be teaching and coaching in her old high school Andres, after playing basketball in college at Kansas on an Athletic Scholarship, has joined the firm as a junior advisor. Adolfo is a Shriner and enjoys volunteering at the hospitals located in Galveston. Adolfo is proud to be a Shriner and the work they do in the community. Adolfo enjoys spending time with his children and wife; they enjoy traveling and doing multiple outdoor activities in the great state of Texas. Adolfo and his wife Denise have their family roots in Texas, and Texas is the place they call home.

Andres Rodriguez is completing his Bachelor of Business degree at the University of Houston Clear Lake. In 2021, Andrés became  a Junior Partner with over 5 years of experience in the industry. His goal is to create a personalized plan for every client based on their current financial situation and future retirement goals. In addition to his licenses in Life and Health Insurance, Rodriguez continues to study so that he may obtain other licenses to serve his clients better.

Since he was a small child, Andres Rodriguez has lived in the Pasadena area. Growing up Andres learned about the financial industry from watching his father (current managing partner) run and grow AR Financial Group into what it is today. During this time, he learned the importance of hard work, which eventually led him to play collegiate basketball. The focus of his hard work has now shifted to helping his clients on a daily basis. Learning the process to make sure that clients can reach their financial goals consistently. Andres loves Texas and has no desire to move out this great state.

Andres loves dogs and enjoys spending time with his two grown German Shepherds “Lady and Ryan.” Andres enjoys exchanging stories with other dog owners he is always amazed how different dogs can be depending on the breed. He would love to be a breeder as a hobby later on in life.

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Astra Lumos Is Coming To Grand Designs Live To Discuss Luxury Lighting Design And Installation Needs

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Astra Lumos Is Coming To Grand Designs Live To Discuss Luxury Lighting Design And Installation Needs

Published on September 28, 2022

Astra Lumos is coming to Grand Designs Live.

(Cotswolds) UK-based luxury lighting design and installations company Astra Lumos announces its presence in the award-winning home event, Grand Designs Live, at the end of this September. James Fielding, Director and the head of sales from the company, is going to be available in the event for every kind of discussion related to lighting design and lighting installation for all interior and exterior spaces.

Astra Lumos is a luxury lighting design and lighting installation company based in the UK which provides an integrated solution for all electrical necessities for its clients. They provide both lighting control systems and normally switched themes with custom wiring accessories, tailored to the client’s specific requirements, and have been in the business since 2014. They have worked on many projects of indoor and outdoor lighting such as garden lighting, landscape lighting, lighting for country estates and listed buildings, whilst specialising in luxury space designs. They majorly work with celebrities and other high net worth individuals in the UK as well as globally, looking for creative space decorations with electrical accessories, audio-visuals, and other innovative technologies. 

Grand Designs Live is a large event organised in London and Birmingham every year for consumers interested in home construction, remodelling, and enhancement in order to  supply all the knowledge and inspiration for finishing their visions for their homes. The event gives attendees access to a wide range of eco-friendly solutions, the latest technology, and innovative products, along with access to more than 500 businesses in the self-build, home remodelling, interior design, and gardening industries. There is an Ask an Expert arena in the event devised for customers to schedule one-on-one consultations with experts in architecture, construction, finance, interior and exterior design, and other fields. Guests are also provided with passes to events like the UK Construction Week and Green Living Live which are attended by major projects, home builders, architects, and local officials and people can interact and collaborate with them with their own ideas as well.

Individuals interested in the above-mentioned sectors and/or looking to create innovative designs for their homes are invited to book an appointment with James Fielding from Astra Lumos to meet and discuss all plans, ideas, and queries at the Grand Designs Live event.

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Personal Trainer Wins Award For Helping Public Speakers Share Their Message With The World

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Personal Trainer Wins Award For Helping Public Speakers Share Their Message With The World

Published on September 28, 2022

Personal trainer and business consultant Martin Sharp has won a prestigious award for helping others brush up their public speaking skills. 

The 46-year-old from York helps busy and overweight entrepreneurs, consultants and business owners improve their lifestyle so they feel happier and more confident. Alongside this, Martin is also an award-winning public speaker and trains others so they can improve their presentation skills and share their important messages with the world. 

His efforts have now been recognised by the Professional Speakers Academy (PSA), which gave him the Members Choice Award at its annual gala in London. The award is voted for by members and is given to the person they think has been the most supportive of others over the last 12 months. 

Martin said: “When my name was announced by the founder of PSA and world-renowned speaker trainer Andy Harrington, I was shocked. I didn’t expect to win. 

“I feel happy that I’ve helped so many amazing business owners and consultants improve their presentation skills along with their health and lifestyle. I’m incredibly honoured to have been voted for my members and I’m looking forward to continuing to help more amazing speakers get their positive and powerful messages of hope, help and higher achievement in the years ahead.” 

The Professional Speakers Academy (PSA) annual awards were held on Sunday, September 25 and aim to recognise the achievements of entrepreneurs and coaches who have embraced public speaking and used it to make sales and achieve business success. The ceremony, at Under The Bridge, a stylish venue at Chelsea Football Club, was attended by around 180 people and more than 50 awards were given out. 

It was the first time in three years that the awards ceremony had been held as an in-person event due to the Covid-19 pandemic. 

Martin began his career in IT and worked as an enterprise architect business consultant for more than 20 years helping major corporations with large scale changes. But his high-flying executive lifestyle saw him pile on the pounds and at 44, he decided to make a major life change and become a personal trainer and online health and fitness coach. 

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Performance Coach Wins Two Prestigious Awards For His Sales Success

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Performance Coach Wins Two Prestigious Awards For His Sales Success

Published on September 28, 2022

A peak performance coach and public speaker has won two awards for his sales success at a prestigious awards ceremony in London.

Moses Nalocca, who works with entrepreneurs, business leaders and sports stars to help them achieve their goals and become more successful, was given the accolades at the Professional Speakers Academy’s annual awards on Sunday, September 25. He received the sales person of the year award plus a special 7-figure award in recognition of his achievement of making over £1,000,000 in the training industry.

The 38-year-old said: “I’m so proud for this acknowledgment from the Professional Speakers Academy. It such an honour to be recognised by other experts.

“The 7 figure award is important, not for the money generated in the industry but for the level of impact my work may have done in people’s lives. At the end of the day, it is not about me, it’s about the people I serve.”

Moses, who originally comes from Italy and now lives in London, first came to the UK in 2016 with just 15 euros in his pocket, having to work in a minimum wage job to make ends meet. But used his excellent communication skills and positive mindset to forge a successful career for himself as a public speaker and coach.

One of his recent success stories was the Bulgarian athlete Ivet Goranova, who he coached to gold medal success in the Tokyo Olympics last summer. Moses worked with her on a daily basis in the run up to the tournament to get her thinking like a champion and she won Bulgaria’s first gold medal in 13 years.

The Professional Speakers Academy (PSA) annual awards aims to recognise the achievements of entrepreneurs and coaches who have embraced public speaking and used it to make sales and achieve business success. The ceremony, at Under The Bridge, a stylish venue at Chelsea Football Club, was attended by around 180 people and more than 50 awards were given out.

It was the first time in three years that the awards ceremony had been held as an in-person event due to the Covid-19 pandemic.

This post was originally published on this site

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