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Enjoy a worry free retirement

Ray Cessna Advisory LLC

About us
Contact Us
Welcome To Ray Cessna Advisory LLC
Helping You Secure Financial Peace-of-Mind
Picture
Picture
Reduce Your Financial Risk In Retirement
Watch Our Video To Learn More
 

About Us

Picture
Picture
Ray Cessna
​
Retirement Planning Specialist
​Ray Cessna is a State Licensed Retirement Planner specializing in helping clients take advantage of the new state approved retirement plans called Fixed Indexed Annuities (FIA’s).  A Fixed Indexed Annuity (FIA) allows you interest based on the performance of the stock market when it goes up, but never lose when the market goes down.   There are also living benefits such as guaranteed income for life and additional monies for well-being health benefits in your retirement years.  Whether safety and protection in accumulating a retirement nest egg is your goal or lifetime income: FIA’s will work for you.

Ray and his wife Donna have lived in The Conroe and Woodlands area for 20 years. They have three children, seven grandchildren and one great grandson. 
 
Ray worked in the Oil and Gas Corporate World for twenty-eight years before going into the Safe Money Management and Retirement Planning business in 2005. Whether you are in retirement, nearing retirement, just getting started, or anywhere in between; protecting and growing your Nest Egg is important to everyone.
​“I have not talked to anyone who does not want a worry-free retirement.

All of America knows where to find Safety:  Bank CVD’s, money markets and treasury bonds. All of America knows where to find opportunity—the stock market. HOWEVER, many do not know where to have safety, opportunity for growth, liquidity, and income on the same dollar, at the same time with no risk to your principle!! Many people are not able to maximize interest and have safety and lifetime income on the same money at the same time. I am able to solve this problem!!

Ask yourself the questions:
  • Would my retirement savings be hurt if the Dot.com collapse of 2001 to 2002; and market and housing downturn of 2007 to 2008 were to happen again?  
  • Would you prefer to be in a position to be a winner no matter what the outcome of the economy or stock market?
  • Do I have enough income to last the rest of my life?
  • Will I outlive my money?  

If you will give me one hour of your time, then I may help you solve these retirement issues. I look forward to sharing ideas with you and providing “Real Money Benefits” that are priceless for all.  
 
Read Ray Cessna's Articles Now
Ray Cessna Honored With Esteemed Invitation
Our Financial Services
What We Do For Clients At Ray Cessna Advisory LLC
Picture
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.
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 preservation of 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!
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.
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:
  • 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!
 
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Ray Cessna Advisory LLC
507 Stephen F. Austin Drive
Conroe, TX 77302
​

Email: Ray@raycessnaadvisory.com
Call: (936) 539-8823
The information provided herein is the exclusive property of Ray Cessna Advisory LLC. This material has been prepared for informational and educational purposes only. It is not intended to provide nor should be relied upon for accounting, legal, tax, or investment advice.
© 2019. Ray Cessna Advisory
  • Home
  • About Us
  • Services
  • Article
  • Contact Us
Welcome To Ray Cessna Advisory LLC
Helping You Secure Financial Peace-of-Mind
Picture
Picture
Reduce Your Financial Risk In Retirement
Watch Our Video To Learn More
 

About Us

Picture
Picture
Ray Cessna
​
Retirement Planning Specialist
​Ray Cessna is a State Licensed Retirement Planner specializing in helping clients take advantage of the new state approved retirement plans called Fixed Indexed Annuities (FIA’s).  A Fixed Indexed Annuity (FIA) allows you interest based on the performance of the stock market when it goes up, but never lose when the market goes down.   There are also living benefits such as guaranteed income for life and additional monies for well-being health benefits in your retirement years.  Whether safety and protection in accumulating a retirement nest egg is your goal or lifetime income: FIA’s will work for you.

Ray and his wife Donna have lived in The Conroe and Woodlands area for 20 years. They have three children, seven grandchildren and one great grandson. 
 
Ray worked in the Oil and Gas Corporate World for twenty-eight years before going into the Safe Money Management and Retirement Planning business in 2005. Whether you are in retirement, nearing retirement, just getting started, or anywhere in between; protecting and growing your Nest Egg is important to everyone.
​“I have not talked to anyone who does not want a worry-free retirement.

All of America knows where to find Safety:  Bank CVD’s, money markets and treasury bonds. All of America knows where to find opportunity—the stock market. HOWEVER, many do not know where to have safety, opportunity for growth, liquidity, and income on the same dollar, at the same time with no risk to your principle!! Many people are not able to maximize interest and have safety and lifetime income on the same money at the same time. I am able to solve this problem!!

Ask yourself the questions:
  • Would my retirement savings be hurt if the Dot.com collapse of 2001 to 2002; and market and housing downturn of 2007 to 2008 were to happen again?  
  • Would you prefer to be in a position to be a winner no matter what the outcome of the economy or stock market?
  • Do I have enough income to last the rest of my life?
  • Will I outlive my money?  

If you will give me one hour of your time, then I may help you solve these retirement issues. I look forward to sharing ideas with you and providing “Real Money Benefits” that are priceless for all.  
 
Read Ray Cessna's Articles Now
Ray Cessna Honored With Esteemed Invitation
Our Financial Services
What We Do For Clients At Ray Cessna Advisory LLC
Picture
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.
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 preservation of 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!
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.
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:
  • 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!
 
Recommended Article

Picture

    Request your article today!

Submit
Picture
 

Get in Touch With Us

Please give us your contact information and we’ll be happy to reach out to you.
Submit
Ray Cessna Advisory LLC
507 Stephen F. Austin Drive
Conroe, TX 77302
​

Email: Ray@raycessnaadvisory.com
Call: (936) 539-8823