6135 Park South Drive
Suite 510
Charlotte, NC 28210

Blueprint Wealth Management

(704) 945-7173

 
Welcome to Blueprint Wealth Management Social Security: By the Numbers Rightsizing for Retirement Making Your Tax Bracket Work

Understanding Today's Financial Environment

 

Welcome, I'm Norma Jean Rector, Registered Representative, in Charlotte, North Carolina. We understand that individuals face unique challenges as they prepare for retirement. We can help take the mystery out of preparing for today and tomorrow. Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses on your needs, wants, and long-term goals.


Our team of professionals have years of experience in financial services. We can help you address your needs of today, and for many years to come. We look forward to working with you through all stages of your life, please call (704) 945-7173 for your blueprint plan.

 Securities offered through Center Street Securities, Inc. (CSS), a registered Broker-Dealer and member of FINRA & SIPC. Blueprint Wealth Management is independent of CSS.  Blueprint Wealth Management professionals are registered and licensed in the following states:  North Carolina, South Carolina, and Virginia.

 

Should You Buy an Annuity from Social Security?


A key challenge many households entering retirement face is how to use their savings as a source of income. As 401(k)s replace traditional defined benefit pensions and as Social Security replaces a smaller share of household pre-retirement earnings, drawing an income from savings becomes increasingly important.

Households have three traditional options. First, they could put their savings in safe assets, preserving the value of their principal, and live on the interest. Second, they could invest their savings in a portfolio of stocks and bonds and draw out an income. Third, they could buy an annuity from an insurance company, giving up their savings in exchange for a lifetime income. In addition to these three traditional options, households could use their savings to “buy” an annuity from Social Security: they could delay claiming their Social Security benefits to get a higher monthly benefit at an older age, using their savings in the interim to pay current expenses. The savings used is the “price” and the increase in monthly benefits is the annuity it “buys.”


Read More  



 

Helpful Content

Best Performing Asset Classes

Best Performing Asset Classes

Bonds may outperform stocks one year only to have stocks rebound the next.

What Can a Million Dollars Buy You?

What Can a Million Dollars Buy You?

$1 million in a diversified portfolio could help finance part of your retirement.

The Other Sure Thing

The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime, and those we love may suffer if we are not prepared.

 

A Primer on Irrevocable Life Insurance Trusts

Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.

Required Reading: The Economic Report of the President

The Economic Report of the President can help identify the forces driving—or dragging—the economy.

How Stocks Work

Understanding how a stock works is key to understanding your investments.

Important Birthdays Over 50

Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.

Retirement Income and the Traditional Portfolio

Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.

Life and Death of a $20 Bill

How long does a $20 bill last?

View all articles arrow

Historical Inflation

This calculator shows how inflation over the years has impacted purchasing power.

Estimate Your RMD

Help determine the required minimum distribution from an IRA or other qualified retirement plan.

Saving for Retirement

This calculator can help you estimate how much you may need to save for retirement.

Assess Your Life Insurance Needs

This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.

A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

Taxable vs. Tax-Deferred Savings

Use this calculator to compare the future value of investments with different tax consequences.

View all calculators arrow

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

View all presentations arrow

The Facts About Income Tax

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.

Charitable Giving: Smart from the Heart

Do you have causes that you want to support with donations? Here are three tips.

The Cycle of Investing

Understanding the cycle of investing may help you avoid easy pitfalls.

Perception vs. Reality

There’s an alarming difference between perception and reality for current and future retirees.

Safeguard Your Digital Estate

If you died, what would happen to your email archives, social profiles and online accounts?

Your DNA Test

If you have a family that relies on your income, it’s critical to know what their needs would be in the event of your death.

View all videos arrow