Ashok Ramji, CLU®

About Ashok Ramji, CLU®

Tired of the ups and the downs of the stock market, Ashok has refocused on Safe money retirement strategies, exploring ways to protect retirement assets, increase income, and protect against potential losses from the markets, the economy, health circumstances, taxes, or other uncertainties of life. Ashok has earned the Chartered Life Underwriter® (CLU®) designation from the American College of Financial Services. Ashok has also been awarded the Certified Annuity Specialist® (CAS®) designation from the Institute of Business & Finance. Web Sites: topplanning.retirevillage.com | topplanning.com . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and TOP Planning are independent of each other. This content is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy.Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. This content does not take into account your particular investment objectives, financial situation or risk tolerance and may not be suitable for all investors. Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims paying ability of the issuer.
Office: 415.505.8200 | TOP Planning

Distribution With Diversification Or Distinction?

Which method will serve you better in retirement?   Those approaching or in retirement may seek the highest returns possible for many reasons, such as leaving behind a large legacy or traveling around the world. Sometimes it may be just to stay ahead of rising healthcare costs, inflation, and taxes. At this stage of life, [...]

By |2019-03-23T06:41:34+00:00March 23rd, 2019|Annuities|

You Or Your Funds: Who Will Cross the Finished Line First?

The fear of outliving one’s money typically generates the most amount of anxiety among pre-retirees and retirees alike.    In his 1937 bestseller Think and Grow Rich, Napoleon Hill cited the fear of poverty as having the most common appearance of all the six basic fears every human possesses. The American Institute of CPAs (AICPA) [...]

By |2019-02-18T21:46:28+00:00February 18th, 2019|Annuities|

Should 2018 Auld Acquaintances Be Forgot?

Should auld acquaintances be forgot, And never brought to mind?             And never brought to mind, as some stock and bond market investors would prefer?  Certain trends that began last year will likely carry over into 2019.  These were four horsemen that made their acquaintance last year (listed in chronological [...]

By |2019-02-09T20:11:49+00:00January 11th, 2019|Retirement Planning|

Keep Stock Market Risk In Perspective

As time goes by it is your personal perspective that matters   Finding stunt people over the age of 55 is rare. Jackie Chan, who holds the Guinness record for most stunts by a living actor, turns 65 next year and amazingly still does some of his own stunts. But Jackie is the exception, rather [...]

By |2019-01-14T23:06:57+00:00December 27th, 2018|Retirement Planning|

Five Tips For Cybersecurity Consciousness

Americans’ top worries about crime are “having your personal, credit card or financial information stolen by computer hackers” and “being the victim of identity theft” according to a Gallup survey published in late 2017. In a world that is going increasingly digital, we must all adapt, and retirees are no exception. A few years back, [...]

By |2019-01-14T23:01:58+00:00November 25th, 2018|General Business|

Don’t Borrow Your Way To Retirement

“Life insurance is the only tool that costs pennies and guarantees dollars,” said the legendary industry salesman Ben Feldman. This powerful leveraging factor along with permanent life insurance’s ability to allow someone to accumulate funds tax-free are two reasons why properly structured insurance can be a powerful financial planning tool. Cash value inside a permanent [...]

By |2019-02-25T08:37:49+00:00October 1st, 2018|Insurance, Retirement Planning|

The New Retirement Age is 70

For decades, Americans considered 65 years old to be the year of retirement. Over the past decade or so, we have witnessed a transformation in the views towards retirement and retirement ages due partly to demographic changes in the population (notably longer life expectancies) as well as economic conditions. Even while the market’s bull run [...]

By |2019-02-25T08:41:12+00:00August 27th, 2018|Retirement Planning|

Do We Really Need This Type Of Structure In Our Lives?

As it applies to our daily lives, the word ‘structure’ normally has a positive connotation. Merriam-Webster’s defines the word as a “coherent form or organization.” In a world that seems increasingly chaotic every day, it would be desirable then to have more coherency and organization. When it comes to planning our finances, structured notes and [...]

By |2018-07-26T18:03:20+00:00July 25th, 2018|Investing|