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Don’t collect dust. Create it.
Trade up to life at Ginger Cove.
you’ll get a higher interest rate.” You
can get more information on TIPS
Woodworking. Water aerobics. Engaging
from any broker or at the Department
discussions on the latest best seller. That’s life of Treasury’s TreasuryDirect Web site
at Ginger Cove.
at www.savingsbonds.gov.
As Annapolis’ premier life-care retirement
community, Ginger Cove offers unlimited
If you feel more comfortable get-
ways to spend today with peace of mind
ting a helping hand in picking the
about tomorrow. You’ll find everything from
right infl ation-protected securities,
independent living apartments to assisted
living and nursing care. Plus, we’re expanding
Randall suggests mutual funds as
our wellness offerings to include an aquatic
a logical choice. “Most of the major
center, a spa and a fitness center. And our
Return of Capital
TM
plan refunds 90% of
fund families such as Vanguard and
your entrance fee to preserve Fidelity have funds dedicated to in-
your estate.
1
8
5
9
7
fl ation protection,” he says.
Start living life’s best
moments. Call Joan
Williams today.
The importance of
advance planning
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Regardless of the method you use for
retirement planning, you must take
infl ation into account. “No one else
is going to worry about your fi nancial
health in retirement,” says Carl J.
Kunhardt, CFP, of Quest Capital Man-
agement in Dallas. “If you don’t take
care of it yourself, it won’t happen.”
According to G. Mike Crawford,
CFP and CEO of Lifeplan Financial
Inspired by nature. Designed for you.
Group in Dayton, Ohio, the way
to make it happen is to maintain a
The beauty of nature. The comfort of community.
detailed fi nancial plan for your re-
The convenience of a great location. You’ll f_i nd it all at
Cedar Creek, a master-planned community in Aiken,
tirement. “Without a roadmap, it’s
South Carolina. Nestled among forested hills, Cedar Creek
diffi cult — if not impossible — to see
is a wildlife sanctuary with walking paths and nature trails.
www.cedarcreek.net
where you’ve been and where you’re
Amenities include an Arthur Hills designed golf course,
All-brick custom homes
heading,” he says.
lighted tennis courts and “catch and release” f_i shing ponds. from the $300’s
Understandably, Crawford thinks
Fine dining, quaint shops, cultural events and quality Homesites from the $80’s
a retirement plan prepared by a CFP
medical care are all just a minutes away in historic Aiken.
For more information call
Cedar Creek. Where nature surrounds you.™
is the best choice for most people.
1.800.937.5362
Still, Crawford recognizes many peo-
Cedar Creek Development Corporation, 2178 Cub Drive, Aiken, SC 29803. Amenities, prices and information are subject to change.
This is not an off er to residents of any state where prohibited. Complete off ering terms are available in an off ering plan from sponsor registered in NY, MI, CT, OH, IL and CA. ple prefer to do their own planning.
“That’s fi ne,” he says, “for those who
have a good feel for personal fi nance
0309_MOAA_CedarCreek.indd 1 1/27/2009 9:51:22 AM
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and how to handle money. Whether
you call on a fi nancial professional or
®
bi-weekly e-newsletter.
prepare it yourself, it’s important that
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your plan stay active and fl exible.”
So, what should you do in a world
a73 health care a73 pay and benefi ts
where the old rules of retirement are
a73 fi nancial planning a73 and more!
changing in the middle of the game?
Go to www.moaa.org/email and log in with Have a well-defi ned plan that takes
your e-mail address.
into consideration the effects of infl a-
MOAA News Exchange
tion. Invest regularly, keep your in-
vestments well diversifi ed, and try to
live a little below your means. MO
7 2 M I L I T A R Y O F F I C E R M A R C H 2 0 0 9
MMar_Back to reality.indd 72ar_Back to reality.indd 72 22/2/09 7:24:34 PM/2/09 7:24:34 PM
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