Q: What states is Jeff Townsend licensed to sell or discuss securities
or insurance in?
A: Securities licensed in the following states:
AL, AR, AZ, CA, CO, FL, IA, ID, IL, KS, MI, MN, MO, MT, NC, NE, NM, NV, OH, OK, OR, SC, SD, TN, TX, WA, WY, UT
Insurance licensed in the following states:
AL, AR, AZ, CA, CO, FL, IA, ID, IL, KS, MI, MN, MO, MT, NC, NE, NM, NV, OH, OK, OR, SC, SD, TN, TX, WA, WY, UT
Registered Investment Advisor in:
CO, FL, NE, TX
Q: What should an ideal retirement look like?
A: Everyone has his or her own idea of what the ideal retirement should be. Some want the financial freedom to travel and see the world. Others want to spend quality time with family and friends. Most want to avoid the worry and stress that comes with not having enough resources to do what they want to do.
Q: Why is retirement planning important?
A: The main reason why people fall short of their financial goals is because they haven’t done the proper planning. Planning for your financial independence is important not only for the obvious reasons, but to also achieve peace of mind and improve the quality of your life.
Q: Does planning for retirement mean making sacrifices?
A: Planning for retirement need not mean making sacrifices. Our clients are often amazed at what they can accomplish with the right kind of planning, the right information, and the right partner helping them along the way.
Q: Please describe a typical Townsend Retirement Specialists client — their status, their concerns and what they are looking for in a retirement planning specialist.
A: A typical client is a few years away from retirement. They’re feeling a little anxious about it, and seeking an advisor who can objectively recommend a strategy that’s right for them.
Q: Do all of your clients have the same objectives? The same financial goals?
A: Not all of our clients have the same financial goals. In fact, no two retirement plans look alike. The approach we recommend is highly customized for each client based upon what they want out of their retirement.
Q: What specialized services does Townsend Retirement Specialists provide and why is that important?
A: At Townsend Retirement Specialists, we specialize in retirement planning. We have a deeper understanding of the complex financial and tax issues surrounding retirement, and that’s what makes us valuable to our clients.
Q: What is a “Retirement Planning Specialist?”
A: A retirement planning specialist is someone who works exclusively with those who seek a comfortable retirement. They may be ten years away from retiring, or ten months. They are looking for an advisor to help them maximize their retirement income, but who also understands that playing the market with risky investments is a luxury they simply do not have.
Q: What kind of anxieties do people have who are nearing retirement and how do you address these?
A: People nearing retirement want to make sure they can have the lifestyle they’ve grown accustomed to in their peak earning years. We can show them the steps that are necessary to ensure their golden years are filled with opportunity and flexibility, not compromise and sacrifice.
Q: How would you describe the quality of service that you provide?
A: We deliver a first-class retirement planning experience for the best years of your life.
Q: What exactly is a “first-class retirement planning experience?”
A: A first class retirement planning experience is exactly what it sounds like. It’s being able to benefit from the best advice possible. It’s having a plan created specially for your unique situation. It’s having an advisor that is attentive, responsive and trustworthy. It’s never being ignored, or taken for granted.
Q: Why is objectivity important?
A: It’s important to work with an advisor who is not tied to any one specific investment product. You want someone who can make objective recommendations based on your specific goals, not their desire to make a sales quota.
Q: Is my money safe with Townsend Retirement Specialists?
A: At Townsend Retirement Specialists, we do not “hold” our clients’ investments. All investment accounts are owned directly by our clients and insured by the SIPC. Securities Investor Protection Corporation (SIPC) provides coverage up to $500,000, including cash claims limited to $100,000. The SIPC coverage does not protect against a decline in the market value of securities.
Q: What kind of service can I expect working with Townsend Retirement Specialists?
A: You can expect very high levels of competence, responsiveness, attention to detail, and trustworthiness. You can also expect regular communication with your advisor.
Q: What do your clients say about your services?
A: Our clients rate us high in a number of important categories, especially in the areas of responsiveness and attention to detail.
Q: What are some of the common questions people have before they retire?
A: People often ask, have I accumulated enough to live for the rest of my life without working? Should I file for Social Security early at a reduced rate? Should I avoid investments that are not guaranteed?