Brought to you by:
Victor Posod
Circa Benefits Insurance Agency
26302 S. Western Ave.
Suite 5
Lomita, CA 90717
310-530-8286
victor@circabenefits.com
About Our Firm:
 Circa Benefits offers a full array of insurance and annuity services. We are dedicated to understanding your unique needs by working closely with you to develop and manage a plan that will help you protect and accomplish your financial goals.
QUOTES from the Masters...
On Overcoming Obstacles On Personal Responsibility
"Obstacles across our path can be spiritual flat tires -- disruptions in our lives seem to be disastrous at the time, but end by redirecting our lives in a meaningful way." -- Bernie Siegal

"You can't fly a kite unless you go against the wind and have a weight to keep it from turning somersaults.  The same with man.  No man will succeed unless he is ready to face and overcome difficulties and is prepared to assume responsibilities." -- William J. H. Boetcker

"It is a mistake to suppose that men succeed through success; they much oftener succeed through failures.  Precept, study, advice and example could never have taught them so well as failure has done." -– Samuel Smiles

"Welcome difficulties and obstacles as valuable steps in the ladder to success." -– Brian Tracy

"It is not what happens that determines the major part of your future.  What happens, happens to us all.  It is what you do about what happens that counts." -- Jim Rohn

"Our ultimate freedom is the right and power to decide how anybody or anything outside ourselves will affect us." -- Stephen Covey

"99% of the failures come from people who have the habit of making excuses." -- George Washington Carver

"The amount of satisfaction you get from life depends largely on your own ingenuity, self-sufficiency, and resourcefulness.  People who wait around for life to supply their satisfaction usually find boredom instead." -- Dr. William Menninger

  Estate Ideas
What Is an Annuity?

  In planning for financial security in retirement, an annuity can satisfy two basic objectives:
1. To accumulate retirement assets on a tax-deferred basis:  If you're already contributing the maximum to IRAs and any employer-sponsored retirement plans and need to save more for retirement, a deferred annuity may be the answer to your retirement savings need.  

2. To convert retirement assets into an income that you cannot outlive:  On the other hand, if you're near or at retirement, an immediate income annuity can be used to convert existing retirement assets into a lifetime income.

An annuity is a long-term savings plan that can be used to accumulate assets on a tax-deferred basis for retirement and/or to convert retirement assets into a stream of income.

While both are insurance contracts, an annuity is the opposite of life insurance:

  • Life insurance provides financial protection against the risk of dying prematurely.
  • An annuity provides financial protection against the risk of living too long and being without income during retirement.

 
If you are already contributing the maximum to an IRA and/or an employer-sponsored retirement plan, an annuity can be an excellent way to save for financial security in retirement.

Contact my office if you'd like additional information on the role an annuity might play in your retirement planning.

MESSAGES from the Masters...
CHANGE – 4 WAYS TO MASTER CHANGE by Sheila Murray Bethel

We are living in exciting age of unprecedented change. Today's accelerated rate of change presents us with unique challenges and opportunities. When change brings success, keep your ego from getting out of hand. When the change is negative, use your sense of humor to get through it. Once you learn to handle change, you can take your skills, talents, and abilities and help others change. Let's look at four ways to enhance your mastery of change.

1. Don't Fight It.

The natural tendency is to protect what you know and value, what has become familiar and comfortable. Unfortunately the world will change with or without you. So you must adapt again and again. You make your life so much more complicated when you fight the change. You cause yourself stress and can actually become ill. Remember the old Serenity Prayer: God grant me the serenity to accept the things I cannot change, The courage to change the things I can and the wisdom to know the difference.

2. You don't have to like the Change.

No one ever said you have to like the changes you are experiencing. However, you do have to understand them so you can progress. Study, explore, and read everything you can about the current matters that affect your perception and handling of change. Life is not always about "liking." It is about doing the best you can, with what you you've got and getting on with it--right now!

3. Know what to defend against change.

There are some things we should resist changing because change does not always translate into better. Change for the sake of change alone can destroy valuable situations, assets, and relationships. Many values deserve to be defended. Ask yourself what you will change and what you will defend.

4. Have a Sense of Humor.

Humor can give you a momentary "emotional vacation." A sense of humor can conquer pretense, and diffused anger and hostility. It can take an impossible situation and change it into an acceptable one. The old axiom, "if you take yourself too seriously, no one else will," is key. The most effective people are spontaneous and can use humor to express their feelings, and to encourage others.

When you set out to be a change master and to make a difference in this world, there is no guarantee that it will be easy. By learning about change, serving others and helping them to learn to change, you will indeed be making a difference.
 

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The purpose of this newsletter is to provide information of general interest to our clients, potential clients and other professionals.  The information provided is general in nature and should not be considered complete information on any product or concept described.  For more complete information, please contact my office at the phone number above.