法蘭克時間: 

1. 有一種年金強調簽約就給50%紅利，有一種年金強調每年9.5%複利成長12年，還有一種年金強調指數增加2.5倍！眼花繚亂。其實剛剛講的都是事實！但不是full picture!
   灣區退休後，每年要負擔的property tax就要$1萬5，醫療保費也要$1萬2！出去旅行, 夫婦兩個要$2萬塊！還有PG&E又要漲價，就算房屋沒貸款，房屋保險年漲，
   退休以後，左手拿401K RMD, 右手拿SOCIAL SECURITY；喜歡拿錢，討厭交稅! 交了稅，可以用； 不交稅，不能用。
   到了60歲，太太都希望先生不要退休繼續工作，每個先生都很累不想再工作了，太太都覺得 我也照顧家裡30年了，該我享受了吧！其實夫婦兩個都沒有安全感，害怕現金流斷掉.
   當 401K碰到RMD, 還有SOCIAL SECURITY開始拿錢的時候，你的稅率會如何被影響？繳過稅的錢, 變成 「可以花的錢」 ，延稅、不繳稅的錢, 則變成遺産…你喜歡哪一種呢？

教您如何規劃退休以后依然有$15萬的現金流收入

如果您想要我們幫您橫向對比pros and cons，歡迎參加9月20號“退休有錢用”線下講座！

致富理財  Frank Ho 法蘭克時間:  線下講座 講座

 09/20/2025 (Sat.)

10 AM   Fremont

       2PM     Cupertino  

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