About Jim Junge

As a speaker and published author on a variety of retirement income topics, both for the private sector and for federal employees, Jim stresses the importance of financial education through his writings and the seminars he offers. At the core of his philosophy and business approach is the belief that “retirement money should not be put at risk…nor does it have to be to get what you need”. Website: benefitservicesgroup.retirevillage.com

Office: (916) 212-4040 | Benefit Services Group

Normalcy Bias And Your Retirement Income

Will everything in your life remain normal? “Normalcy Bias”: a belief people hold when considering the possibility of a disaster. It causes people to underestimate both the likelihood of a disaster and its possible effects. Many people may tend to believe that things will always function the way things have performed in the past. This [...]

By |2020-04-17T23:11:39+00:00August 18th, 2019|Retirement Planning|

Laddered Buckets Can Maximize Retirement Options

“Laddered funds” to assure retirement assets are safe, growing, and accessible as needed for decades to come.”   Imagine you are standing on the ground looking up at a 30’ tall building. You need to get to the top of the building, but you don’t have a 30’ ladder. You do, however, have THREE 10’ [...]

By |2020-04-17T18:00:25+00:00August 15th, 2019|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 [...]

By |2020-04-16T00:21:11+00:00February 4th, 2019|Retirement Planning|

A Christmas Card From Your Registered Investment Advisor

While you are exposed to risk in your investments, does your broker enjoy a guaranteed income from your portfolio? His income stream is called fees! It’s the week before Christmas, and the markets are tanking, and Securities Dealers should be getting a spanking. You’ve lost all the year’s gains you thought you had made, and [...]

By |2020-04-13T17:58:18+00:00December 24th, 2018|Investing|

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 |2020-04-14T19:02:11+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 |2020-04-13T19:28:24+00:00October 1st, 2018|Annuities, Annuities 101|