Ted Manzanares, MBA, CLTC at Pruco Securities, LLC

11/14/2024

Eight Strategies for Deciding When to File For Social Security

Ted Manzanares, MBA, CLTC
720-356-6486
[email protected]

By providing links to other sites, Prudential does not guarantee, approve, or endorse the information or products available on these sites or the operators of these sites.

Prudential is not affiliated with Kiplinger.

Applying at age 70 maximizes your monthly payout, but claiming early could provide advantages that can’t be quantified on a spreadsheet.

11/11/2024

I Didn’t Think I Needed an Estate Plan Until This Happened

Ted Manzanares, MBA, CLTC
720-356-6486
[email protected]

By providing links to other sites, Prudential does not guarantee, approve, or endorse the information or products available on these sites or the operators of these sites.

Prudential is not affiliated with Kiplinger.

Prudential and its representatives do not give legal or tax advice. Please consult your own advisors regarding your particular situation.

This financial professional was motivated to get her estate plan in order after the untimely death of a loved one. She shares six simple steps to do that for yourself.

11/07/2024

With traditional pensions becoming a rarity, those of us at 55 are increasingly depending on 401(k)s, more so than older generations. It's a critical time, especially when the average savings hover around less than $50,000—significantly less than the recommended eight times our annual income.

Learn more from Prudential’s “2024 Pulse of the American Retiree Survey” - https://bit.ly/planadviser-pru-jun24

The reliance on 401(k)s means retirement industry must turn attention to this group about 10 years from the traditional retirement age.

11/01/2024

Nine Key Tips Self-Employed and Gig Workers Should Know About Retirement

Ted Manzanares, MBA, CLTC
720-356-6486
[email protected]

By providing links to other sites, Prudential does not guarantee, approve, or endorse the information or products available on these sites or the operators of these sites.

Prudential is not affiliated with Kiplinger.

Taking a non-traditional path may mean thinking beyond traditional savings options.

10/28/2024

How to Be Strategic With Your Retirement Withdrawals

Ted Manzanares, MBA, CLTC
720-356-6486
[email protected]

By providing links to other sites, Prudential does not guarantee, approve, or endorse the information or products available on these sites or the operators of these sites.

Prudential is not affiliated with Kiplinger.

To make your savings last, you need to know how to draw from the right investment … at the right moment.

10/21/2024

Can Both Spouses Collect Social Security Benefits? What You Need to Know

Ted Manzanares, MBA, CLTC
720-356-6486
[email protected]

By providing links to other sites, Prudential does not guarantee, approve, or endorse the information or products available on these sites or the operators of these sites.

Prudential is not affiliated with Kiplinger.

Both spouses can collect Social Security based on their individual earnings records and at what age they claim benefits

10/15/2024

Rolling Over a 401(k) Into an IRA

Ted Manzanares, MBA, CLTC 720-356-6486 [email protected]

By providing links to other sites, Prudential does not guarantee, approve, or endorse the information or products available on these sites or the operators of these sites.

Prudential is not affiliated with Kiplinger.

Thinking of rolling over a 401(k) into an IRA? There are tax and flexibility advantages. But tread carefully.

03/20/2024

Did you know that $5 Trillion is added to global wealth every year by women?* Start the retirement conversation today to help ensure you are on track to protect your financial future.

Have questions? Contact me to learn about the strategies that will best for you. 720-356-6486 or [email protected]

03/06/2024

Sometimes the best way to see how far you've come is to look back at where you've been. Contact me to review where you have been and to begin discussions of where you would like to go.
[email protected]
720-356-6486

Looking at where you are now compared to where you were five years ago can give you a more realistic, and optimistic, financial outlook.

03/04/2024

Planning for retirement has changed drastically over the years as retirement vehicles such as pensions become increasingly less common while costs continue to rise. Make sure you understand these common retirement risks as you determine the right plan for you.

People are living longer and costs keep climbing, increasing the odds that you'll outlive your retirement savings. Here are some tips from a retirement pro to help you prevent that.

03/02/2024

Unsure about the difference between Roth and Traditional 401(k)’s? Read more to learn about each retirement vehicle and what may be the best option for you.

The differences between Roth 401(k)s and Roth IRAs recently were changed significantly.