ValenWealth Capital

05/25/2026

Freedom comes at a cost that many courageous Americans paid in full. Today, we honor and remember those heroes and their families with gratitude and respect. 🇺🇸

05/24/2026

Do you feel stuck in an underperforming annuity that isn't living up to expectations or no longer serves your needs? That doesn't have to be the case!

PM us to schedule your free and professional, no-stress, no-pressure evaluation from an industry expert.

05/10/2026

Happy Mother’s Day to all the incredible moms, grandmothers, and mother figures who give so much of themselves every single day.

Your love, strength, patience, and guidance help shape families, futures, and generations. Today, we celebrate you and all that you do; often without recognition, but never without impact.

Wishing you a beautiful day filled with love, gratitude, and time with those who matter most.

05/06/2026

"If you fail to plan, you are planning to fail." - Benjamin Franklin.
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04/11/2026

"Spring Cleaning" for your retirement accounts.

Many people have old 401(k)s from previous employers quietly sitting on autopilot. Sometimes reviewing or consolidating them can simplify your financial life, improve oversight, and help prepare those assets for retirement income.

If you haven't looked at those accounts in years, it may be time for a quick checkup.

03/31/2026

You don't have to settle!

The “Safe” Retirement Spending Rule Just Got Smaller…
A new report from Morningstar suggests retirees should plan on withdrawing just 3.7%–3.9% per year from their portfolios to avoid running out of money.

Think about that…

👉 A $1,000,000 portfolio = roughly $37,000–$39,000/year
👉 After decades of saving, that’s what’s considered “safe”, and it's typically far less than what a retiree truly needs to enjoy retirement.

For many of our clients at ValenWealth Capital, we’ve been able to design plans that can sometimes produce DOUBLE the traditional “safe withdrawal rate”:

✔️ Without exposing them to unnecessary market risk
✔️ Without the constant fear of running out of money
✔️ And with far greater confidence in their income

Why the difference?

Because retirement isn’t just about a portfolio, it’s about how income is engineered.

If you’re relying on a generic rule like 4% (or now 3.7%…), you may be:
✔️ Leaving income on the table
✔️ Taking more risk than necessary
✔️ Or worse — unnecessarily limiting your lifestyle

To learn what your real safe income could be, reach out to ValenWealth Capital for a full retirement income evaluation.

Because “safe” should never mean settling.

https://www.morningstar.com/retirement/whats-safe-retirement-spending-rate-2025

Starting safe withdrawal rates have declined, but staying flexible and enlarging guaranteed income can help boost lifetime payouts.

03/10/2026

Fear and panic are being sold by seemingly every media outlet, and probably half of your Facebook friends. However, it is always wise to be pragmatic about your finances, and diligent during your final working (saving) years.

This story sheds light on what is happening, and provides a rational theory of what is *truly* an optimal mindset when assessing your financial strategy.

Bottom line? Take a realistic look at where your portfolio stands, but do not make "panic decision" that may unravel your retirement timeline.

https://www.cnbc.com/2026/03/05/iran-war-market-volatility-retirement.html

03/01/2026

Social Security, maybe a pension, savings... then what?

Creating your own "contractual income" gives you a guaranteed minimum monthly income that you can count on for your entire life (and perhaps the life of a spouse as well) regardless of what markets, indexes, bond and CD rates, or the economy does.

This allows you to determine your own level of risk with the money you don't need to count on for monthly income, so you can truly enjoy your retirement years free of income anxiety.

02/23/2026

Major institutions like Goldman Sachs don’t manufacture annuities, yet their research has suggested that allocating roughly 30% of a retirement portfolio to income annuities can enhance outcomes. This aligns with similar findings in whitepapers from BlackRock and Ernst & Young.

When thoughtfully integrated into a retirement strategy, income annuities can provide three powerful advantages:

1) Enhanced portfolio efficiency – Through mortality credits, annuities can improve overall retirement income performance compared to relying solely on traditional investments.

2) Greater retiree confidence and satisfaction – Studies consistently show that retirees with guaranteed income streams report higher levels of financial peace and happiness.

3) Potential longevity benefits – Research indicates retirees with lifetime income sources tend to live longer on average, in some cases by as much as 20%.

Retirement planning isn’t just about accumulation. It’s about structuring income in a way that supports performance, peace of mind, and longevity.

Here's the link to the research findings:

https://tinyurl.com/GSannuities

02/22/2026

We CANNOT be happier! USA! 🥇 🇺🇸