Richard J. Moder & Moder & Associates Retirement Group, St. Louis Help Retirees & Soon To Be Retired

April 4, 2012 - PRLog -- St. Louis, MO-- Richard J. Moder is a leading retirement and senior planning specialist in St. Louis, MO.  Richard has over 23 years of expert experience and has 3 convenient  offices in Chesterfield, Creve Coeur and Westport.

Richard has a strong belief in the value of education has been the foundation of his success, playing a vital role in drawing me toward senior planning. He has been helping clients and self-employed professionals protect and invest wisely for 23 years and has also trained numerous colleagues throughout the country.
Moder & Associates Retirement Group has an  A+ rating with the BBB and has also earned "Accredited Business" status.

Developing a financial plan for my clients, it’s important for the insurance producer to see a complete, 360 degree view of your financial picture, including how the client's retirement assets are integrated and work with one another. If necessary, we can refer client's to tax professionals or attorneys in our network to advise them on specific aspects of their financial plan.

- Create guaranteed lifetime income with growth potential.
- Avoid losses during market corrections and recessions.
- Avoid being among the retirees who will run out of money.
- Transfer wealth tax free to “loved ones”.
- Implement a strategy within your current IRAs, which might enable you to increase the    -  amount you leave to your loved ones and reduce the tax consequences.
- Avoid nursing home “spend down”.
- Update Trusts, Wills and other important documents. (Avoiding probate and unnecessary  taxation.)

Richard J. Moder also offers client workshops, appreciation events, speaking engagements and presentations provide an opportunity for our clients to receive additional financial education at no cost. We offer informational seminars and guest speakers as well as educational handouts, reference materials, and product literature.

For More Information:

Richard J. Moder
(636) 733-2337
rick@moderandassociates.com
http://moderandassociates.com/about