Jim Junge

About Jim Junge

Jim has assisted countless federal and private employees navigate through their various retirement strategies and benefits. The core of his philosophy is that "retirement money should never be put at risk". Web Site: benefitservicesgroup.retirevillage.com
Office: 916.212.4040 | Benefit Services Group

Four Realities Of The Stock Market And Your Retirement

The stock market is in a state of volatility.  Up one day, down the next.  People who are depending on stock market returns have been faced with uncertain volatility which can cause stress and concern.  Here are four points to consider. 1. The market will crash. Maybe today is the beginning of the “correction” that [...]

By |2018-11-06T17:04:47+00:00October 25th, 2018|Annuities, Retirement Planning|

Can You Pass The Retirement Lie Detector?

      What if the solution to your retirement income is the thing you don’t know about or WANT to know?       How many of these features would you like for your retirement? •    A reasonable rate of return. •    Participate in market gains without exposure to market losses. •    Guarantees that [...]

By |2018-11-02T13:56:03+00:00October 1st, 2018|Annuities, Annuities 101|

You Can’t Afford Another Market Crash, Or Can You?

The truth hurts sometimes, and so what follows may sting some of you a little.  However, I owe you the truth.  Always.  (though you may not be hearing it from your financial advisor) If you are 58 or older, or nearing retirement at any age, and you need that retirement nest-egg to provide for your [...]

By |2018-07-20T20:37:29+00:00July 9th, 2018|Retirement Planning|

Annuity Lies And How They May Impact Your Future

My head is healing up nicely now. It gets better when I stop beating it against the wall in my office. My business partners have grown to recognize the thumping, pounding sound. It’s just an occupational hazard that comes with being in the retirement income planning business. I sell annuities. “Did you know that running [...]

By |2018-06-28T20:45:18+00:00April 26th, 2018|Annuities|

Maximize Your Pension And Take Better Care Of Your Spouse.

Many pension programs both in the private and public sector offer a “Spousal Survivor Benefit.” If the primary pensioner dies first—the spouse gets a percentage, usually not all, of the regular monthly pension received before death. If selected, this nice benefit comes at a not-so-nice cost. The provider of the monthly pension is now going [...]

By |2018-04-18T02:28:16+00:00March 18th, 2018|Retirement Planning, Uncategorized|

A Contemporary Twist On Little Red Riding Hood

One day Little Red Riding Hood was walking across town to her Grandma’s house. She was carrying her favorite basket which she always used when bringing things to Grandma’s, except today in the basket she would be carrying something very, very valuable and important—in the basket would be Grandma’s life savings. Grandma was retiring after [...]

By |2018-03-11T00:17:52+00:00February 14th, 2018|Retirement Planning|

Understanding Your T.S.P. Options and Decisions.

Longevity Risk, Investment Risk Withdrawal Options, IRS Life-Span, Assumed Growth, Payment Adjustments Control of Assets, Beneficiaries T.S.P Modernization Act of 2017   When you retire, there are some decisions to consider that will impact the financial quality of your future years.  For Federal and USPS employees, nothing is more critical than managing your TSP funds properly.  [...]

By |2018-03-15T08:02:03+00:00January 4th, 2018|Retirement Planning|

Simplifying Retirement Income Planning

Simplifying Retirement Income Planning (and eliminating: "so what’s the catch?” )  Planning for one’s retirement is not nearly as complicated and confusing as you have been led to believe.  You just need to understand how to overcome the “catch,” as in, “so what’s the catch?” Yes, we’ve all been told, if not instructed, that planning for [...]

By |2017-11-20T01:08:43+00:00November 16th, 2017|Retirement Planning|

The Retirement Question

At a recent Social Security workshop, I presented I was asked the question on every baby-boomer’s mind these days, “What should I do with my retirement funds with all this volatility in the stock market?” The answer is not simple, but is not as complex as many would have you believe.  The question “assumes” a [...]

By |2017-10-23T02:06:54+00:00April 3rd, 2017|Retirement Planning|