Kelly Ruggles and why retirement planning is necessary

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Investment expert and founder of American Reliance Group Kelly Ruggles provides highly advanced investment strategies and money management services to clients who are already nearing their retirement. By combining several methodologies—such as the modern portfolio theory, three-factor model, fixed-income strategies, and institutional approach—Mr. Ruggles is able to stimulate the financial growth of his clients and provide them with a secure post-employment investment.

From Kelly Ruggles

There are reasons why retirement planning is crucial toward the financial health of every worker. The following can give some hints:

Uncertainty of Social Security and pension benefits Government-sponsored retirement does not always produce good harvest. In a decade or two, social security might be gone from the shelf. Counting on personal discipline and resourcefulness is still the most viable way to remain financially stable even after service.

Unforeseen medical expenses Kelly Ruggles and his company focus not only on the financial independence of their clients but also on their physical well-being. Living outside the minimum standard of living means that one has the capacity to remain healthy despite old age. A robust nest egg can help people live out their golden years less burdened of medical expenses.

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Estate planning Retirement planning is way beyond the exclusive confines of the workers’ welfare. Part of their retirement savings may help contribute to their children or grandchildren’s lives, whether through financing their education or simply keeping sentimental assets, such as land or real estate, within the family.

Kelly Ruggles has always focused on the retiree market in both financial and estate planning, and his firm passionately adheres to a client needs-based planning philosophy. More about him and his company can be read at www.argplanning.com.