LT Trust, formerly known as Lincoln Trust – Innovative Retirement Planning Presented at the 2014 JHS East Forum


Webcast: November 25, 2014 – Which Qualified Retirement Plan is Right for You?

Saving for retirement is an essential component of a comprehensive financial plan, but it is often difficult to determine which type of retirement plan is best suited to your individual and/or corporate needs.

In this month’s free on-demand webcast, OJM principal Jason O’Dell provides an overview of qualified retirement plan (QRP) options and discusses these important considerations affecting your QRP decision and overall financial plan:

– QRP ground rules for participants and employers
– Contribution maximums
– Protection of assets within the QRP
– Income taxation on withdrawals and value of tax deferral
– Options for hedging against taxes on QRP withdrawals

About the Presenter:
Jason M. O’Dell is a principal of OJM Group and a co-author of the books For Doctors Only: A Guide to Working Less & Building More and Fortune Building for Business Owners and Entrepreneurs, along with several other books and articles on financial topics.

He has experience as an entrepreneur, financial consultant and investment advisor and has been working with high-net worth and physician clients for more than 20 years. Jason has conducted financial planning, asset protection and wealth management lectures throughout the nation and has been recognized by Medical Economics as “One of the Best Financial Advisers to Physicians” and by Cincinnati Magazine as a “Top Wealth Manager.”

Jason graduated with a Bachelor of Arts degree in Economics from The Ohio State University and has earned a Master of Science degree with an emphasis in Financial Planning.


Many financial blunders can break someone during their golden years. Here are seven of the worst decisions a retiree can make.

First is assuming you will retire at a specific age. In reality, that depends on several factors, many of which are beyond your control. Counting on those final few years before retiring to save can backfire, which is why it’s imperative to start retirement planning early.

Next is relying on the advice of friends and family instead of a professional. Assess your situation with an expert. Your buddy may have done well with his retirement, but that doesn’t mean he can guide you.

Third is starting Social Security too early. You first become eligible at 62. But the benefits grow every year you delay taking them until you’re 70, at which point they’re almost twice what they were at 62.

Fourth is overlooking tax consequences. Most retirement options have specific rules for withdrawing money. Knowing them can save you from penalties and problems that stem from removing money too early or too late.

Fifth is not updating your retirement plan. Don’t dump all of your higher-risk equities in favor of low-risk bonds. They won’t sustain your retirement income for 20-plus years. You still need some growth.

Sixth is failing to understand distribution. Learn the best times to remove and transfer funds from retirement accounts to personal accounts in order to avoid penalties.

Seventh is underestimating future healthcare spending. It’s estimated a 65-year-old couple will incur $220,000 in medical expenses.

Read more: 7 of the Worst Retirement Planning Blunders – Video | Investopedia
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The Mutual Fund Store Retirement Radio Ads. “RETIREMENT SPEECH”

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Starting early is the key to successful retirement planning. When you have time on your side, you can invest in high risk high returns potential instruments. If you plan late, you need more stable investment instruments which have relatively less returns potential. Watch this video to know more about retirement planning.


Seven Retirement Planning Steps You Need To Take Today


You don’t need a Masters Degree in Finance to plan for retirement. Just 10 minutes to watch this tutorial. Saving for retirement is that easy.



Visit Nahum Daniels at:

Nahum helps retirees work towards protecting and growing their assets to foster their independence and sustain their quality of life through retirement planning.

To this task he brings expertise, experience and empathy. His goal: to provide you with the perspective, knowledge and services you need to perpetuate and enhance your financial well-being.

Always mindful of his professional responsibility to put clients’ interests first, Nahum devotes his financial expertise to tailoring custom portfolios for the individuals, couples and families he serves.

In a high-risk financial world rife with misinformation, half-truths and unaffordable complacency, Nahum’s mission is to instill in today’s retirees the informed resolve they need to take the right steps toward a confident financial future.

As a wealth advisor to a generation facing unprecedented challenges, Nahum Daniels seeks to transmit the practical knowledge today’s retirees need to pursue a more confident financial future.Independent and experienced, Nahum has traveled the world and offers a global perspective.

Serving mature investors for over twenty-five years, he is most effective working with people who are lifelong learners capable of thinking independently and acting decisively.

If you are open to new ideas that may benefit you and your family, he invites you to take the next step.

Nahum’s office is located in Stamford, CT – Near Greenwich, Darien, Norwalk, Westport, New Canaan, Wilton, Weston, Fairfield and New Haven.

This video was produced by It’s Relevant, LLC.


Starting early is the key to successful retirement planning. When you have time on your side, you can invest in high risk high returns potential instruments. If you plan late, you need more stable investment instruments which have relatively less returns potential. Watch this video to know more about retirement planning.


Patrick Lynch III has been a financial planner in San Antonio since 1981. He is a nationally recognized leader and innovator in the financial services industry, and received the “Financial Planner of the Year” award in 2004. As an educator in the financial planning industry, Pat has conducted seminars for the general public, private corporations, and professional organizations such as the Texas Society of CPAs.

Pat’s practice is geared towards the transition from wealth accumulation to wealth distribution which is a major focus among retirees. His 30 plus years of experience, knowledge, and understanding of the financial planning industry have been invaluable to retirees as they transition to the next phase of their life.

Pat received his Bachelor’s degree from Thomas More College and his Master’s degree from Trinity University. He is a member of the Financial Planning Association and has been an active volunteer for the Big Brothers and Big Sisters of San Antonio since 2001. He enjoys playing competitive racquetball and cycling in his spare time, and is the proud father of two children – Lauren and P.J, who both graduated from The University of Texas at San Antonio.