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“If you fail to plan, you are planning to fail!”

― Benjamin Franklin

This is especially true when it comes to your finances and retirement. Join us on Monday, July 15th OR Tuesday, July 16th at Ruth’s Chris Steak House at 6:00pm for a complimentary seminar: “Avoiding Retirement Pitfalls”

Complimentary Seminar:
Avoiding Retirement Pitfalls”

Learn about some common misconceptions and how they may affect your ability to maximize your retirement strategies.

Monday, July 15th
Waitlist Only
Tuesday, July 16th at 6:00pm

Ruth’s Chris Steak House
13455 Maxella Ave., Suite 230
Marina Del Rey, CA 90292
Please arrive by 5:45pm. Doors close at 6:00pm.

click the button to register

We’ll cover important retirement questions such as:

Long Term Care

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  • What are the chances of needing Long Term Care? (Hint: it is higher than you may think!)
  • What are the 3 basic levels of LTC?

Retirement Accounts

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  • What to do with your Stray Dog accounts?
  • What will happen to your retirement savings when you or your spouse passes away?

Risks vs. Stability

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  • How can you attain a Reasonable Rate of Return over time?
  • How to avoid market risks with your retirement income?

Tax Laws & Acts

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  • The expiration of the Tax Cut and Jobs Act in 2025
  • +more

Pamala Henderson started helping people with their financial planning at PHD Financial in 2010.

Join us at this complimentary seminar on Monday, July 15th OR Tuesday, July 16th at 6:00pm at Ruth’s Chris Steak House to discuss some important potential changes in laws and regulations that could significantly impact your retirement strategies.

There is no obligation and no products will be sold at this event. This is just an informational seminar to help you plan!

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*Proceeds from an insurance policy are generally income-tax-free, and if properly structured, may also be free from estate tax. Income-tax-free distributions are achieved by withdrawing to the cost basis (premiums paid), then using policy loans. Loans and withdrawals may generate an income tax liability, reduce available cash value, and reduce the death benefit, or cause the policy to lapse. This assumes the policy qualifies as life insurance and is not a modified endowment contract. The Host and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction. This content is not intended to serve as the basis for any investment or purchasing decisions, nor does it recommend or involve the purchase, holding, or sale of a security.  All figures herein are hypothetical and for illustrative purposes only to explain general concepts.  No figure is to be relied upon as being accurate nor a guarantee or projection and is meant only as a partial overview of some relevant features and benefits of general insurance products that may be in the marketplace, and whose availability will be dependent on the State of residence of the consumer, and their individual suitability for the product they are wanting to purchase. Where insurance products are mentioned, any and all guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

This site is for informational purposes only and is not intended to be a solicitation for or offering of any product or investment. The offer for sale of an insurance product may only be conducted in a state where the agent is licensed and the product is approved for sale. The providing of investment advice relating to securities may only be done by a properly licensed individual operating through a licensed affiliate entity, unless otherwise exempt. Comments about past performance are not to be construed as a guarantee or assurance of future performance. This website may contain concepts that have legal, accounting and tax implications. We do not provide specific legal or tax advice, nor promote, market or recommend any tax plan or arrangement. Consult a tax/legal professional for guidance with your individual situation. No representations are made as to the accuracy or completeness of the information contained herein or any information contained in any link provided herein, nor does a consumer visiting the web site create an agent-client relationship.

By contacting Pamala Henderson, CA – OH30144, HI – 519438, AZ – 16136952, WA – 943565, FL – W727217/PHD Financial & Insurance Services you may be offered information regarding the purchase of insurance products, including fixed index annuities and life.
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