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National Ethics Association Ron is a registered member of the National Ethics Association. The NEA is a community of professionals who support ethical business practices.
View his certificate, pledge and the NEA website.
My Clients Want Three Things 1. Safety First (I never risk your principal).
2. Reasonable Rate Of Return.
3. Keep It Simple, Easy To Understand. 

Safety First Safety comes first when working with my client's assets. We never risk your principal or any gains.
Reasonable Rate Of Return My products offer a reasonable rate of return. Tax-deferred interest credited to your account can make a significant impact on your savings.
Easy To Understand I present easy to understand concepts and solutions for my clients.

Listen to Ronald on Talk Radio Ronald is featured on News Talk 1520 KVTA radio every Saturday between 10am and 12pm PST. 

Listen to the Safer Money Solutions radio show (click here)

Watch this 4 minuet video, see, and hear how your Financial Planner\Stock Broker has taken responsibility for doing a poor job in helping you plan for retirement.

At Safer Money Specialist, our process reflects our commitment to safety and keeping it simple. Ronald provides complimentary guidance on products he is willing to invest his own money with. To become a client, Ronald asks that you schedule a complimentary one on one lunch or dinner. During this presentation, Ronald will share with you what products he feels are "SAFE, SIMPLE, and will provide a REASONABLE RATE OF RETURN."

If you feel that Ronald is the right fit as your Safer Money Specialist, or has products available that fit your investment objectives, he will schedule a short meeting. That is right, you are not charged for the one on one lunch or dinner meeting! Great deal, right? This two-step process will be used to determine whether we are the right fit for one another.

That's it. A complimentary lunch or dinner at a prominent local restaurant, then a short meeting with Ronald. If you feel this is a great way to learn whether Safer Money Specialist is the right choice for you, please contact us as soon as possible to schedule your one on one complimentary lunch or dinner!

 




Breaking News



Economy Must Grow to Keep the Stock Market Rising

Why are some cautious about the stock market?

CBS & Michael Lewis: Is the U.S. Stock Market Rigged?



WHAT DO YOUR FAVORITE CELEBRITY FINANCE EXPERTS THINK ABOUT INDEXED ANNUITIES?

POSTED ON DECEMBER 9, 2013 BY IALC

In a recent article in the New York Times, Jean Chatzky, the financial editor for NBC’s Today Show, offered some insight into how deferred annuity products like indexed annuities are poised to make a difference in the financial future of a class of retirees facing a number of unique issues such as increased longevity and insecurity in pensions and social security.

“They are addressing the primary fear that baby boomers in particular seem to have about retirement, which is that they are going to run out of money before they run out of time,” she said.

With people living much longer than ever before, it is extremely important to build up a nest egg that can sustain you for two or three decades. It is more important than ever that those approaching retirement employ a savings strategy that is fit to last you through the years by focusing on accumulation and lifetime income, rather than pure growth. It is impossible to predict how long one might live, but adding conservative financial vehicles to your retirement plan, such as a fixed indexed annuity that can guarantee income for life–no matter how long that may be–can eliminate some of the guesswork when it to outliving your savings.

Chatzky is not alone in her favorable perception of annuities for those preparing for retirement. Suze Orman has been singing the praises of indexed annuities as a way to shield your retirement nest egg from market volatility for some time. In her 2001 book, “The Road to Wealth,” Suze Orman tells readers that “if you don’t want to take risk but still want to play the stock market, a good index annuity might be right for you.”

As many boomers witnessed their retirement savings take a big hit due to the financial crisis and recession, it is evident that this advice still holds water in today’s economy. Indexed annuities are unique because unlike investments, these insurance products offer a guaranteed minimum return, so you are protected from the negative effects of market volatility. However, because interest returns on an indexed annuity are based on an external index, such as the S&P 500, there is still potential for market-linked growth when markets are doing well. Those saving for retirement can add some balance to their financial plans—particularly in risky markets—by providing protection when the markets are down and potential for additional interest when the markets are up. Your personal risk tolerance can serve as a guide to determining the perfect balance for your retirement portfolio.

Billionaires Dumping Stocks, Economist Knows Why

Thursday, 07 Nov 2013 11:52 AM
By Newsmax Wires

Despite the 6.5% stock market rally over the last three months, a handful of billionaires are quietly dumping their American stocks . . . and fast.

Warren Buffett, who has been a cheerleader for U.S. stocks for quite some time, is dumping shares at an alarming rate. He recently complained of “disappointing performance” in dyed-in-the-wool American companies like Johnson & Johnson, Procter & Gamble, and Kraft Foods.

In the latest filing for Buffett’s holding company Berkshire Hathaway, Buffett has been drastically reducing his exposure to stocks that depend on consumer purchasing habits. Berkshire sold roughly 19 million shares of Johnson & Johnson, and reduced his overall stake in “consumer product stocks” by 21%. Berkshire Hathaway also sold its entire stake in California-based computer parts supplier Intel.

With 70% of the U.S. economy dependent on consumer spending, Buffett’s apparent lack of faith in these companies’ future prospects is worrisome.

Unfortunately Buffett isn’t alone.

read more...

Read About The 10 Things 401k's Don't Want You To Know


Watch this disturbing video about 401k(s)

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How 401(k) fees eat away at your savings


Study Reveals 401(k) Disclosure Rules Not Helping Investors

Article written by The Self Directed Retirement Report
http://www.sdretirementreport.com/study-reveals-401k-disclosure-rules-not-helping-investors/

In an effort to add transparency to 401(k) administration, the Department of Labor created a new rule in 2012 that required all 401(k) plan providers to disclose “all fees associated with plan administration, investments, and other expenses”[1]. The idea was that with more information about where money was going on the administrative side of the process, 401(k) owners could make better decisions about where, how, and with whom to invest. Unfortunately, it appears that these disclosures are not particularly insightful for most 401(k) owners and that nearly half of them have no idea how much of their money goes to annual fees and expenses even after the disclosures are made.

“Fee disclosure is…very cumbersome,” explained vice president of corporate retirement plans at Personal Capital Tom Zgainer, adding that “participants need an easier way to discover and understand expenses associated with their retirement plans.” About the only thing that the disclosures appear to accomplish is making participants aware that they may be paying fees and expenses. Slightly more than a fifth of all participants believed after the disclosures that they pay no fees or expenses on their 401(k) plans. That number used to be more than a third (38 percent) when the disclosures were not required

Unfortunately, this issue is a much bigger one than you might think at first. According to NerdWallet, more than 90 percent of American adults underestimate the lifetime costs of their 401(k) administration by about $150,000[2]. The survey included more than 800 Americans. The Department of Labor supported these findings as well, reporting that a poor understanding of fees can result in reduced retirement balances that are as much as 28 percent lower than retirees might expect.

How do you keep your retirement-related administrative fees under control? Do you know if you are paying any?

What Is An Indexed Annuity?


View Ron's Rants Video Archive

Charities & Non-Profits We Support

  • OXNARD MISSION: OXNARD , CA
  • MANY MANSIONS: VENTURA COUNTY, CA
  • BASIC ALLIANCE FOR THE RESCUE OF K-9S ( B.A.R.K.) VENTURA COUNTY
  • ASPCA
  • LOS ANGELES TIMES SUMMER CAMP FUND
  • SMILE TRAIN: WORLDWIDE
  • CONCERNED PEOPLE FOR ANIMALS VENTURA COUNTY

 

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About Ronald Grant

"The Original" Safer Money Specialist. 

Ronald has been a licensed agent specializing in the pre and post-retiree marketplace since 1996, and is licensed in multiple states.

He is the "Original" SAFER MONEY SPECIALIST and works with clients who want to have some, part or all of their money in a SAFER place where the PRINCIPAL and the GAINS are fully protected.

Our Services

  • Icon Retirement Solutions

    All of our retirment solutions keep our client's principal 100% safe from market declines.

  • Icon LTC Protection

    Protecting your retirement funds and dignity should be at the top of any financial plan.

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