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Resources

Right On The Money Show

Kirt Carstens Talks About
​Troubled Times

The keyword this year is “volatility” according to Kirt Carstens, a financial advisor from Arnolds Park, IA, who says volatility in the market, with oil, the pandemic and the election requires people to pay closer attention and sift through more information than usual to figure out what is best for them. We must learn from past volatile times like 1987, 2002, 2008, and look at ways of using different tools and putting protections in place to address financial uncertainty and concerns. What’s right for you depends on your stage of life, and saving and investing goals, as well as income needs.

The Search for Yield When
​ Interest Rates are Low

Because the population is aging, we have more people trying to save money, rather than spend according to Kirt Carstens, president of Carstens Financial Group. People used to rely on bank interest or a small pension to supplement their Social Security. Since interest rates are trending lower, we have to look for alternatives. Determining the best yield options for a client depends on the time horizon and their
​risk tolerance.

Options for Long-Term
​Care Insurance

With people living longer and needing more care, more and more people are questioning how they will pay for long-term care in the future if they need it. There are a few hurdles, with fewer companies than ever before offering it and constant rate increases. Kirt Carstens with Carstens Financial says there are some multi-use, hybrid life insurance products that consumers may want to consider that offer benefits like level premiums, more lenient underwriting, and flexible use depending on if you are a single, couple or a benefit survivor. ​

Calculators

Access a wide variety of calculators to estimate how much you will need to retire, how long your savings will last, tax-advantaged solutions and more.
How The Sequence of Returns Can Affect My Retirement Income
How Much Money Will I Need in Retirement?
How much will you estimate to receive from your 401(k)?

Guides

Download our free, no obligation guides to help identify questions you should be asking when planning for your retirement!  Fill out the form below to receive instant access to all of our complimentary guides covering a range of topics which include:
​
  • What questions to ask and what you should be looking for while planning for a successful retirement
  • Understanding what an annuity is, how it works and how your retirement income could benefit from one
  • Strategies on how to handle a 401(k) that you may have left with a previous employer
  • and more!
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Download Guides!

Who will be your guide as you plan for retirement? 

Mount Everest... the tallest mountain in the world, stretches miles above sea level and offers climbers an ultimate challenge... much like the challenge of planning for your retirement.
Kirt Carstens, CLU, ChFC
Investment Advisor Representative
P: (712) 332-5960
F: (712) 332-5391

605 Hwy 71 S
Arnolds Park, IA 51331
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This information is designed to provide a general overview with regard to the subject matter covered and is not state specific. The authors, publisher and host are not providing legal, accounting or specific advice for your situation.

Securities and Advisory Services offered through CreativeOne Securities, LLC Member FINRA/SIPC and an Investment Advisor.  Carstens Financial Group and CreativeOne Securities, LLC are not affiliated.
​
This information has been provided by a Licensed Insurance Professional and does not necessarily represent the views of the presenting insurance professional.  The statements and opinions expressed are those of the author and are subject to change at any time.  All information is believed to be from reliable sources; however, presenting insurance professional makes no representation as to its completeness or accuracy. This material has been prepared for informational and educational purposes only.  It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. 

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  • Home
  • About Us
    • Pro-Am
  • Services
    • Retirement Income Strategies
    • Tax-Efficient Solutions
    • Investment Planning
    • Long-Term Care
    • Estate Preservation
    • Securities
  • Resources
  • Blog
  • Contact