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.

Kelly Ruggles: American Reliance Group's innovative approach to financial planning

A registered investment advisor, Kelly Ruggles is most known for starting American Reliance Group, Inc. (ARG), a firm that offers investment planning services to would-be retirees. Under his leadership, the company has successfully aided employees in making investments that funded their financial freedom, a feat that the firm performed through its fivefold approach to financial planning:

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1. Relationship. The company takes time to know its clients. Through the first meetings, ARG inquires about their goals and dreams, noting what “successful retirement” means to them.

2. Independence. ARG is an independent financial planning firm, which means it is not tied to the influences of other organizations. Because of this, the company can focus solely on the clients and their needs.

3. Focus. ARG and Kelly Ruggles choose to focus only on a select group of qualified clients. They screen all potential clients to see if they are really determined to succeed financially. The company chooses to focus on quality and not on quantity.

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4. Dimensional funds. ARG uses a unique investment model developed and sustained by some of the leading economists not only in the US but also in the world.

5. Customized plan. ARG believes that no two clients are alike. With this, the company has always been determined to design unique financial plans for each patron, all designed to help the everyday worker achieve financial freedom.

With these five business ideals, Kelly Ruggles and the Spokane, WA-based American Reliance Group have earned the trust of their clients, making them respected figures in the financial services industry.

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More information about Kelly Ruggles is available at www.argplanning.com.