Welcome To X-It Strategies
Watch the video below and "get to know me"!
Watch the video below and "get to know me"!
About Us
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Roz Kovel
President and Author of the #1 National Best-Seller Don’t Gamble With Your Retirement Roz Kovel, founder and President of X-It Strategies, Inc., is a retirement specialist who has helped clients with their financial planning needs since 2002. Roz is passionate about providing financial education to the people she serves. Because of her own previous lack of knowledge and information about finances, she experienced tremendous losses when personal and investment crises happened. As a result, she is committed to making sure her clients have all the information they need to make informed decisions about their money.
Prior to becoming a financial advisor, Roz was a wellness consultant to corporations and individuals, offering programs in fitness, nutrition, smoking cessation, and stress management. She applies her previous experience in the wellness industry to her financial education and planning business, assuring that all of her clients achieve financial wellness. Roz specializes in income planning with an emphasis on safe-money strategies. One of the most rewarding parts of Roz’s career is helping people get the most out of their hard-earned Social Security benefits. She enjoys hosting educational workshops that cover all the components necessary to put a successful retirement income plan in place. Roz holds a Bachelors of Arts Degree in Psychology from the University of Illinois/Champaign, and a Masters of Arts Degree in Behavior Modification from the University of Kansas. When she is not working, Roz loves seeing movies on the big screen, she’s an avid reader, and she spends time with her grandchildren learning about that generation’s interests (screen time!). She is also in the process of training her year-and-a-half-old Golden Retriever, Spencer, to become a therapy dog. |
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What We Offer
Retirement income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought.
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
Asset protection
You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservationof your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed!
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!
We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!
We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Estate maximization
Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.
Contact our office today to schedule a one-on-one estate planning consultation.
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.
Contact our office today to schedule a one-on-one estate planning consultation.
Qualified plan rollovers
Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.
Here are four things you can do with the money in your employer sponsored retirement plan:
Let us help you determine if a rollover is the right move for you!
Here are four things you can do with the money in your employer sponsored retirement plan:
- Leave the money where it is
- Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
- Transfer the money to another employer-sponsored plan (if the plan allows)
- Roll the money over to a self-directed IRA
Let us help you determine if a rollover is the right move for you!
Don't Gamble With Your Retirement
By: Roz Kovel and Shon Peil
By: Roz Kovel and Shon Peil
Don't Gamble With Your Retirement
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Podcast
With: Roz Kovel
With: Roz Kovel
Episode 1: Get to Know Roz KovelListen Below for the Audio Version of this Episode:
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Episode 2: Why You Need a Retirement Shield to Protect Your FutureListen Below for the Audio Version of this Episode:
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Episode 3: How to Claim Your Social Security Benefits for Maximum IncomeListen Below for the Audio Version of this Episode:
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Episode 4: The Income Shield:
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Episode 5: The Tax Shield: The Most Significant Time Bomb for RetirementListen Below for the Audio Version of this Episode:
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Episode 6: The Long Term Care Shield: Will You Need Long Term Care? 70% of People WillListen Below for the Audio Version of this Episode:
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Episode 7: The What If's When it Comes to Life After DevelopmentListen Below for the Audio Version of this Episode:
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Episode 8: Your Retirement Shield |
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Request Your FREE Copy of the #1 National
Best-Seller Don't Gamble With Your Retirement. Click Here for more information. X-It Strategies, Inc. 250 N. Park Street Westmont, IL 60559 Email: rkovel@x-itstrategies.com Office: (630) 852-8900 Mobile (Call or text): (630) 709-8989 |