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Complimentary Seminars Scheduled For January 16th and 21st

by Eric Seyboldt, MBA

Seminar #1: Are You Prepared for the Soaring Costs of Aging? Ignite the Dormant Equity From Your Home to Eliminate the Issue

Protect Your Retirement from the Rising Costs of Long-Term Care

As you look ahead to retirement, one pressing issue demands your attention: the soaring costs of long-term care. Without a thoughtful strategy, these expenses can quickly erode your life savings, creating financial and emotional strain for you and your loved ones.

The Hard Truth About Long-Term Care Expenses

The numbers are staggering:

• A private room in a nursing home now costs a national median of $9,733 per month, or over $116,000 annually.

• Home health aide services average $6,292 per month, totaling roughly $75,500 annually.

And these costs are only climbing. With healthcare inflation averaging 5.4% annually, projections suggest that within 15 to 20 years:

• Nursing home care could exceed $200,000 per year.

• Home health services could surpass $130,000 annually.

The Risks of Going Unprepared

Failing to plan for these escalating expenses can lead to:

• Asset Depletion: Many retirees are forced to spend down their savings to qualify for Medicaid, compromising their financial legacy.

• Restricted Care Options: Medicaid coverage is often limited to basic services, which may mean living in a shared room with minimal amenities.

• Family Strain: Loved ones could face the burden of caregiving or financial hardship trying to support your care needs.

Meet CHEIFS: A Game-Changer for Ohio Homeowners

To address these challenges, we are proud to introduce CHEIFS (Cornerstone Home Equity Interest Fractional Solution), a state-approved program designed to help Ohio homeowners access their home equity without incurring debt.

How CHEIFS Works

• Unlock Your Home Equity: CHEIFS allows Cornerstone to purchase a fractional interest in your home, turning unused equity into tax-free cash.

• No Debt or Monthly Payments: Unlike traditional loans, CHEIFS involves no interest or monthly payments.

• Secure Your Care Needs: Funds can be invested to cover future home healthcare or long-term care expenses, ensuring your savings remain intact and continue to grow during retirement.

Invitation to Learn More

If your home is worth at least $500,000 and you have 50% or more equity, join us at one of our upcoming seminars to discover how CHEIFS can safeguard your retirement:

• Thursday, January 16th, 7:00 PM

• Tuesday, January 21st, 7:00 PM

Location: The historic Everal Barn, 60 N. Cleveland Ave, Westerville, Ohio, 43081.

Why Attend?

• Expert Insights: Learn from financial experts Eric Seyboldt and Mark McCanney about the rising costs of long-term care and how to protect your assets.

• Detailed Overview: Understand how CHEIFS can provide a debt-free, interest-free solution for funding care.

• Personalized Advice: Get answers to your questions and tailored guidance for your situation.

Reserve Your Spot

Seats are limited. Call 614-943-2265 or email [email protected] to secure your place today.

Planning for long-term care is essential to preserving your independence, protecting your savings, and ensuring peace of mind for your family. Discover how CHEIFS can unlock the key to a more secure, comfortable retirement.

Turn $200k+ Savings Into Lasting Retirement Income + Add 20% Immediately

Are you 45-55, live in the US with $200k or more in retirement savings? If you’re looking for a way to safeguard your retirement, ensure your funds last throughout your life, and keep them growing WITHOUT market risk, this strategy is for you. Whether your savings are in a 401k or elsewhere, don’t let market swings jeopardize your hard work. Protect your future and boost your nest egg so you can retire confidently. Plus, increase your account instantly with the 20% immediate bonus when you get started.

See If You Qualify

2025 Tax Shakeup: Protect Your Retirement and Build a Lasting Legacy with Smart Investments

by Eric Seyboldt, MBA

Client: "Eric, the new tax agenda for 2025 is all over the news. How will it affect my retirement, and what should I do?"

Eric: The 2025 tax agenda isn’t just a news headline—it’s a financial crossroads. Proposed tax hikes, reduced deductions, and changes to capital gains could upend the retirement strategies many rely on. For retirees, this could mean higher taxes on Social Security benefits, smaller after-tax withdrawals from retirement accounts, and a potential decline in purchasing power.

But you’re not powerless. You need strategies to protect your income and preserve your wealth:

1. Roth Conversions: Pay taxes now by converting portions of your traditional IRA to a Roth IRA, ensuring tax-free withdrawals later. This could shield you from higher future tax rates.

2. Index Annuities: These annuities provide guaranteed income for life, protecting against market downturns while still offering upside potential tied to market indices. They’re a reliable way to secure the standard of living you’ve envisioned.

3. Smart Withdrawals: Optimize the sequence of withdrawals from taxable, tax-deferred, and tax-free accounts to minimize taxes.

4. Tax-Loss Harvesting: Offset capital gains with losses during market dips, reducing taxable income.

This is not the time for guesswork—it’s a time for precision.

Client: “Eric, what about traditional IRAs? Are they still useful?”

Eric: Traditional IRAs are quickly becoming outdated. The SECURE Act eliminated the “stretch IRA,” forcing heirs to deplete the account within 10 years. This accelerates tax liabilities during their peak earning years, potentially devastating their inheritance.

To stay ahead, shift to forward-thinking strategies:

1. Roth IRAs and Life Insurance: Roth IRAs grow tax-free, while certain life insurance policies provide tax-free benefits to heirs.

2. Charitable Remainder Trusts (CRTs): Reduce your taxable estate while supporting causes you care about and providing income to beneficiaries.

3. Tax-Efficient Investing: Municipal bonds and low-turnover index funds reduce the tax drag on your portfolio.

Client: What about building a legacy and maintaining a strong standard of living?

Eric: A robust legacy and retirement lifestyle require innovative investments that protect against volatility and inflation. Consider these advanced strategies:

1. Index Annuities: These provide guaranteed income regardless of market conditions, ensuring you never outlive your savings. They also protect your principal while allowing some participation in market gains.

2. Precious Metals: Gold and silver are tangible assets that have historically served as hedges against inflation and currency devaluation. They add diversification and resilience to your portfolio.

3. Bourbon Barrels: Yes, you heard that right. Bourbon barrels are an emerging real asset class with strong appreciation potential. As demand for premium whiskey grows globally, these assets can provide substantial returns, making them an attractive addition to a retirement portfolio.

4. Real Estate or REITs: Real assets like real estate provide steady income through rents and potential long-term appreciation, serving as a hedge against inflation.

These investments are not only about preserving wealth—they’re about creating the financial freedom to enjoy your retirement.

Retirement should be the reward for decades of hard work, not a period of financial uncertainty. The tax changes of 2025 may feel like a storm on the horizon, but with the right strategies—like leveraging index annuities, real assets, and modern estate planning tools—you can rise above the turbulence. Your standard of living during retirement is not just a dream; it’s a plan waiting to be executed. Let’s make sure that dream becomes your reality, and your financial legacy becomes a testament to your foresight and wisdom.

Contact us for a free, brief 10-minute consultation. Together, we can discuss ways to safeguard your wealth and ensure your retirement years are as enjoyable and stress-free as you've envisioned. To arrange a complimentary 10-minute consultation call us today at 614-943-2265. We're here to help turn your retirement aspirations into reality.

Fixed annuities can be an essential component of a well-rounded retirement strategy, offering security, predictability, and efficiency in financial planning.

These are current fixed annuity rates and their durations from Top A-rated carriers (subject to change at any time, not FDIC insured):

Rates Increased This Week. Don’t Wait To Lock These Fixed Annuity Rates In Today!

3-year: 5.10% (under $100k Deposited)

3-year: 5.20% (over $100k Deposited)

5-year: 5.35% (under $100k Deposited)

5-year: 5.50% (over $100k Deposited)

Please feel free to call Eric at 614-943-2265 if you’d like to ask any questions or request information on these fixed annuities or other retirement topics that are on your mind.

REAL ASSETS, Invest Like the Ultra-Wealthy

Strength in Substance: Why Tangible Assets Are the Smart Choice for Today’s Investors

In uncertain economic times, savvy investors are anchoring their retirement strategies in tangible assets. Investments like gold—and even bourbon barrels—are gaining traction as dependable shields against inflation and the risks posed by excessive currency production. These physical assets not only safeguard wealth but also enhance portfolio diversity, making them valuable in both turbulent and stable financial periods.

Historically, tangible assets have shown remarkable resilience, often outperforming traditional investments during market upheavals. They serve as a steadying force, offering investors peace of mind when financial waters grow rough. Including these assets in your portfolio isn’t just wise—it’s a forward-looking move toward long-term security.

As the economy presents new challenges, considering the potential of tangible assets could be the decisive step toward reinforcing your financial future. Could these investments be the missing link in your retirement plan?

Allocating funds into the asset class known as “Real Assets” may be a strategy that you should consider.

Ask us how to Rollover a portion of Your IRA or 401k To A BOURBON IRA (www.bourbon.fund/how-it-works/) or a GOLD IRA (see link below) and:

• Safeguard your assets from the collapsing dollar

• Incorporate the ‘REAL ASSET’ class into your portfolio like the ultra-wealthy

• Hedge against the current high-inflation conditions

• Protect your retirement assets against economic crises

Just get in touch. We make it easier than ever.

Feedback or Questions?

You’re invited to get in touch with us if you’d like to find out how the Novus Financial Group can help you on your journey to a happy, fulfilling life in Retirement. 

Office: 614-943-2265

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Investment advisory services are offered by duly registered individuals on behalf of CreativeOne Wealth, LLC a Registered Investment Adviser.

The content we provide here isn’t financial advice and cannot be taken as such. Please speak to your financial advisor before making any investment decision. Also, note that every investment comes with its risks and drawbacks. Lastly, we would like to remind you that past results cannot guarantee future returns.

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