Social Security and the Income Gap

On this episode of My Money Is Safe, Greg Elie and Patti Jaynes urge listeners to capitalize on the stock market’s recent record highs by reallocating rather than chasing further gains. They note that while the S&P has notched new peaks amid a “Trump economy,” average retirees face real pressure from elevated living costs, a $40 trillion national debt, geopolitical tensions, and historically weak midterm-election years.

The hosts illustrate how past crashes (Black Monday’s 22.6% one-day drop, 2008’s ~57% overall decline) can devastate unprepared portfolios, and they recommend sweeping chips off the “Wall Street casino” table via in-service 401(k) rollovers or IRA transfers. By moving half of a large balance (for example, $500,000 of a $1 million account) into carrier products that immediately add double- or triple-digit bonuses—turning $500,000 into roughly $650,000 or more—clients can lock in safety, still retain upside potential on the remaining funds, outperform traditional bonds, and prepare for tax-harvesting or the scheduled sunset of current tax cuts.

Listeners are invited to call 1-800-297-5755 or visit MyMoneyIsSafe.com to explore these reallocation strategies.

On this episode of My Money Is Safe, Greg Elie and Patti Jaynes urge listeners to capitalize on the stock market&rsquo;s recent record highs by reallocating rather than chasing further gains. They note that while the S&amp;P has notched new peaks amid a &ldquo;Trump economy,&rdquo; average retirees face real pressure from elevated living costs, a $40 trillion national debt, geopolitical tensions, and historically weak midterm-election years.
The hosts illustrate how past crashes (Black Monday&rsquo;s 22.6% one-day drop, 2008&rsquo;s ~57% overall decline) can devastate unprepared portfolios, and they recommend sweeping chips off the &ldquo;Wall Street casino&rdquo; table via in-service 401(k) rollovers or IRA transfers. By moving half of a large balance (for example, $500,000 of a $1 million account) into carrier products that immediately add double- or triple-digit bonuses&mdash;turning $500,000 into roughly $650,000 or more&mdash;clients can lock in safety, still retain upside potential on the remaining funds, outperform traditional bonds, and prepare for tax-harvesting or the scheduled sunset of current tax cuts.
Listeners are invited to call 1-800-297-5755 or visit MyMoneyIsSafe.com to explore these reallocation strategies.

Take Advantage of the Market conditions through proper reallocation

On this episode of My Money Is Safe, host Greg Elie of Prosperity Group and Patti Jaynes focus on Social Security claiming strategies, reviewing the basics that benefits are based on a worker’s 35 highest-earning years, require roughly 40 credits (about 10 years of work), and can be claimed from age 62 to 70, with full retirement age (FRA) at 67 for those born in 1960 or later. Claiming at 62 cuts benefits by about 30 percent and triggers earnings-test penalties if income exceeds roughly $24,480, while delaying to 70 raises the monthly amount; the hosts argue that the better approach for many is to claim at FRA and redirect the payments into their P-SLIP strategy (Properly Structured Life Insurance Plan / Proper Social Security Lifetime Income Planning).

This turns the income stream into a larger asset that can provide tax-free cash, a meaningful death benefit, and long-term-care protections—illustrated by a client who funded the plan from age 67 to 70 and built roughly $1.4 million in combined living and death benefits. 

They also note related opportunities such as in-service 401(k) rollovers and accounts that can add nearly 30 percent via bonuses, while warning about IRMAA Medicare surcharges, and invite listeners to call 1-800-297-5755 or visit MyMoneyIsSafe.com for personalized illustrations.

On this episode of My Money Is Safe, host Greg Elie of Prosperity Group and Patti Jaynes focus on Social Security claiming strategies, reviewing the basics that benefits are based on a worker&rsquo;s 35 highest-earning years, require roughly 40 credits (about 10 years of work), and can be claimed from age 62 to 70, with full retirement age (FRA) at 67 for those born in 1960 or later.&nbsp;Claiming at 62 cuts benefits by about 30 percent and triggers earnings-test penalties if income exceeds roughly $24,480, while delaying to 70 raises the monthly amount; the hosts argue that the better approach for many is to claim at FRA and redirect the payments into their P-SLIP strategy (Properly Structured Life Insurance Plan / Proper Social Security Lifetime Income Planning).
This turns the income stream into a larger asset that can provide tax-free cash, a meaningful death benefit, and long-term-care protections&mdash;illustrated by a client who funded the plan from age 67 to 70 and built roughly $1.4 million in combined living and death benefits.&nbsp;
They also note related opportunities such as in-service 401(k) rollovers and accounts that can add nearly 30 percent via bonuses, while warning about IRMAA Medicare surcharges, and invite listeners to call 1-800-297-5755 or visit MyMoneyIsSafe.com for personalized illustrations.

What is your Social Security Strategy

On the My Money is Safe show, host Greg Elie of Prosperity Group, joined by Patti Jaynes and Dan Puck, warns retirees and near-retirees against letting extreme market volatility dictate their plans. They argue that an 18-year bull market since 2008 has left many younger advisors unprepared for downturns, and they highlight sequence-of-returns risk—where early losses combined with withdrawals can devastate a portfolio, as illustrated by contrasting “lost decade” and post-2010 outcomes for identical $500,000 accounts taking $30,000 yearly income.

The team promotes the Rule of 100 (subtract age from 100 to limit stock exposure), in-service 401(k) rollovers, Roth conversions that can add nearly 30% via bonuses to offset taxes, hybrid index strategies (e.g., crediting 6–7% if the S&P gains just 1%), guaranteed income, proper Social Security timing, and asset-based long-term care to protect against inflation, longevity, and care needs.

Personal stories of family caregiving underscore the emotional and financial stakes, while the hosts urge listeners to lock in gains, separate income from market risk, and contact them at 1-800-297-5755 or MyMoneyIsSafe.com for tailored safe-money approaches.

On the My Money is Safe show, host Greg Elie of Prosperity Group, joined by Patti Jaynes and Dan Puck, warns retirees and near-retirees against letting extreme market volatility dictate their plans. They argue that an 18-year bull market since 2008 has left many younger advisors unprepared for downturns, and they highlight sequence-of-returns risk&mdash;where early losses combined with withdrawals can devastate a portfolio, as illustrated by contrasting &ldquo;lost decade&rdquo; and post-2010 outcomes for identical $500,000 accounts taking $30,000 yearly income.
The team promotes the Rule of 100 (subtract age from 100 to limit stock exposure), in-service 401(k) rollovers, Roth conversions that can add nearly 30% via bonuses to offset taxes, hybrid index strategies (e.g., crediting 6&ndash;7% if the S&amp;P gains just 1%), guaranteed income, proper Social Security timing, and asset-based long-term care to protect against inflation, longevity, and care needs.
Personal stories of family caregiving underscore the emotional and financial stakes, while the hosts urge listeners to lock in gains, separate income from market risk, and contact them at 1-800-297-5755 or MyMoneyIsSafe.com for tailored safe-money approaches.

Do you want to depend on the volatility wheel for your retirement?

On this episode of My Money Is Safe, Greg Elie and Patti Jaynes focus on economic warning signs they say retirees should not ignore just because stocks are near highs. They cite local strain in Greenville (businesses closing, layoffs, housing costs that block people from moving home) and a Business Insider piece on economist Tuomas Malinen, who points to rising bankruptcies, a private-sector yield curve near a recession signal, and an economy that looks strong mainly in a narrow AI-related slice.

They argue official inflation understates the hit to purchasing power (they compare current prices with 1982-style measures), that 60/40 and buy-and-hold plans leave too much at risk, and that two gaps stand out: no plan for a correction and no catastrophic long-term-care coverage.

Their pitch is to rebalance now—take some chips off the table, use accounts that can add a large day-one bonus, consider tax harvesting or Roth conversions, and review income strategies—so a downturn does not undo retirement. Listeners are invited to call 1-800-297-5755 or visit MyMoneyIsSafe.com.

On this episode of My Money Is Safe, Greg Elie and Patti Jaynes focus on economic warning signs they say retirees should not ignore just because stocks are near highs. They cite local strain in Greenville (businesses closing, layoffs, housing costs that block people from moving home) and a Business Insider piece on economist Tuomas Malinen, who points to rising bankruptcies, a private-sector yield curve near a recession signal, and an economy that looks strong mainly in a narrow AI-related slice.
They argue official inflation understates the hit to purchasing power (they compare current prices with 1982-style measures), that 60/40 and buy-and-hold plans leave too much at risk, and that two gaps stand out: no plan for a correction and no catastrophic long-term-care coverage.
Their pitch is to rebalance now&mdash;take some chips off the table, use accounts that can add a large day-one bonus, consider tax harvesting or Roth conversions, and review income strategies&mdash;so a downturn does not undo retirement. Listeners are invited to call 1-800-297-5755 or visit MyMoneyIsSafe.com.

Warning Signs in the Economy

On this episode of My Money Is Safe, Greg Elie and Patti Jaynes focus on long-term care as “catastrophic insurance” most retirees lack, citing that about 70% of people turning 65 will need some form of paid or unpaid care, with typical stays of 2.5 years for men and 3.5 years for women and annual costs now often $66,000–$80,000 for home health or assisted living and $112,000–$130,000 or more for nursing-home care.

They stress that Medicare covers little custodial care, Medicaid generally requires near-poverty assets, and traditional long-term-care policies are use-it-or-lose-it, while family caregiving can exhaust both money and the caregiver’s health. Solutions they describe include annuity-style accounts with income “doublers” that can temporarily double guaranteed lifetime payouts for care needs, hybrid products that turn a lump sum into both cash value and larger long-term-care and death-benefit pools, and their PSLIP (Properly Structured Life Insurance Plan), which can provide living-benefit access to the death benefit for care while remaining a win-win if unused.

They invite listeners facing these risks to call 1-800-297-5755 or visit MyMoneyIsSafe.com.

On this episode of My Money Is Safe, Greg Elie and Patti Jaynes focus on long-term care as &ldquo;catastrophic insurance&rdquo; most retirees lack, citing that about 70% of people turning 65 will need some form of paid or unpaid care, with typical stays of 2.5 years for men and 3.5 years for women and annual costs now often $66,000&ndash;$80,000 for home health or assisted living and $112,000&ndash;$130,000 or more for nursing-home care.
They stress that Medicare covers little custodial care, Medicaid generally requires near-poverty assets, and traditional long-term-care policies are use-it-or-lose-it, while family caregiving can exhaust both money and the caregiver&rsquo;s health. Solutions they describe include annuity-style accounts with income &ldquo;doublers&rdquo; that can temporarily double guaranteed lifetime payouts for care needs, hybrid products that turn a lump sum into both cash value and larger long-term-care and death-benefit pools, and their PSLIP (Properly Structured Life Insurance Plan), which can provide living-benefit access to the death benefit for care while remaining a win-win if unused.
They invite listeners facing these risks to call 1-800-297-5755 or visit MyMoneyIsSafe.com.

You're retired, but do you have catastrophic healthcare?

On this episode of My Money Is Safe, Greg Elie and Patti Jaynes frame high inflation as something retirees can use rather than only endure. They highlight accounts that can add close to 30% to a retirement balance immediately (for example, $100,000 becoming about $130,000 on day one, with later growth compounding on the higher amount), which they compare to several years of typical CD returns and say can produce an average of roughly 7–8% over a decade if the account then earns about 4%.

They contrast this with after-tax CD yields that lose purchasing power once real inflation is factored in, urge a review of existing income riders that may pay less and run out sooner than newer options, and describe using the bonus to fund Roth conversions or their PSLIP (Properly Structured Life Insurance) strategy for tax-free leverage and legacy.

Citing overvaluation, Warren Buffett’s cash position, gold’s rise, and the risk of a sizable correction after an 18-year bull run, they recommend reallocating some gains now—“no one loses money taking a profit”—and invite listeners to call 1-800-297-5755 or visit MyMoneyIsSafe.com.

On this episode of My Money Is Safe, Greg Elie and Patti Jaynes frame high inflation as something retirees can use rather than only endure. They highlight accounts that can add close to 30% to a retirement balance immediately (for example, $100,000 becoming about $130,000 on day one, with later growth compounding on the higher amount), which they compare to several years of typical CD returns and say can produce an average of roughly 7&ndash;8% over a decade if the account then earns about 4%.
They contrast this with after-tax CD yields that lose purchasing power once real inflation is factored in, urge a review of existing income riders that may pay less and run out sooner than newer options, and describe using the bonus to fund Roth conversions or their PSLIP (Properly Structured Life Insurance) strategy for tax-free leverage and legacy.
Citing overvaluation, Warren Buffett&rsquo;s cash position, gold&rsquo;s rise, and the risk of a sizable correction after an 18-year bull run, they recommend reallocating some gains now&mdash;&ldquo;no one loses money taking a profit&rdquo;&mdash;and invite listeners to call 1-800-297-5755 or visit MyMoneyIsSafe.com.

Don’t Just Survive Inflation—Profit From It

On this episode of My Money Is Safe, Greg Elie and Patti Jaynes argue that record market highs—amid wars, political gridlock, and looming midterms—create a timely window to lock in gains rather than stay fully exposed to what they call a historic bubble.

They highlight accounts that can add an immediate 20–30% bonus when money is reallocated from a 401(k) or similar plan (for example, $100,000 becoming $120,000–$130,000 on day one, with future growth compounding on the higher amount), while reducing market risk and still leaving some assets invested if desired.

The hosts stress that no one loses money by taking profits, note how long recovery took after 2008, and show how the bonus can also help fund Roth conversions by covering taxes and still leaving a net gain, or support pension-like lifetime income and their PSLIP (Properly Structured Life Insurance) strategies. 

They contrast these approaches with after-tax, inflation-adjusted CD returns and urge listeners to review allocations now—before potential rate cuts change the opportunity—by calling 1-800-297-5755 or visiting MyMoneyIsSafe.com.

On this episode of My Money Is Safe, Greg Elie and Patti Jaynes argue that record market highs&mdash;amid wars, political gridlock, and looming midterms&mdash;create a timely window to lock in gains rather than stay fully exposed to what they call a historic bubble.
They highlight accounts that can add an immediate 20&ndash;30% bonus when money is reallocated from a 401(k) or similar plan (for example, $100,000 becoming $120,000&ndash;$130,000 on day one, with future growth compounding on the higher amount), while reducing market risk and still leaving some assets invested if desired.
The hosts stress that no one loses money by taking profits, note how long recovery took after 2008, and show how the bonus can also help fund Roth conversions by covering taxes and still leaving a net gain, or support pension-like lifetime income and their PSLIP (Properly Structured Life Insurance) strategies.&nbsp;
They contrast these approaches with after-tax, inflation-adjusted CD returns and urge listeners to review allocations now&mdash;before potential rate cuts change the opportunity&mdash;by calling 1-800-297-5755 or visiting MyMoneyIsSafe.com.

Now is the Perfect time to take advantage of a Retirement Opportunity

On this episode of the My Money Is Safe Show, Greg Elie and Patti Jaynes explain why an in-service rollover—typically available at age 59½ or after a job change—can be a powerful way to move some or all of a 401(k) into an IRA without closing the plan or triggering taxes.

They argue that after strong market gains (and with forecasts pointing to only modest further upside amid geopolitical tension, inflation, energy prices, and potential midterm volatility), locking in profits and reducing risk makes sense; they contrast this with 2008 losses suffered by those who stayed fully invested. The hosts describe accounts that can add guaranteed or credited income (examples given in the 7–15%+ range for income purposes, plus “doublers” that can temporarily increase payouts for care needs) and introduce their P-SLIP (Properly Structured Life Insurance Plan) as a leveraged alternative or complement to a Roth for living benefits, tax-efficient income, death benefit, and help with long-term care costs that can run $8,000–$15,000 a month.

They close by urging listeners not to overfund 401(k)s beyond the match, to build a tax strategy rather than a “tax snowball,” and to call 1-800-297-5755 or visit MyMoneyIsSafe.com for a review.

On this episode of the My Money Is Safe Show, Greg Elie and Patti Jaynes explain why an in-service rollover&mdash;typically available at age 59&frac12; or after a job change&mdash;can be a powerful way to move some or all of a 401(k) into an IRA without closing the plan or triggering taxes.
They argue that after strong market gains (and with forecasts pointing to only modest further upside amid geopolitical tension, inflation, energy prices, and potential midterm volatility), locking in profits and reducing risk makes sense; they contrast this with 2008 losses suffered by those who stayed fully invested. The hosts describe accounts that can add guaranteed or credited income (examples given in the 7&ndash;15%+ range for income purposes, plus &ldquo;doublers&rdquo; that can temporarily increase payouts for care needs) and introduce their P-SLIP (Properly Structured Life Insurance Plan) as a leveraged alternative or complement to a Roth for living benefits, tax-efficient income, death benefit, and help with long-term care costs that can run $8,000&ndash;$15,000 a month.
They close by urging listeners not to overfund 401(k)s beyond the match, to build a tax strategy rather than a &ldquo;tax snowball,&rdquo; and to call 1-800-297-5755 or visit MyMoneyIsSafe.com for a review.

In-Service Rollover: Lock In your Gains Before the Next Correction

In this episode entitled “Cashing in Your Harvest with a Roth Strategy,” Greg Elie and Patti Jaynes of The Prosperity Group stress taking advantage of currently low tax rates (the lowest in years) to convert taxable retirement savings into tax-free growth while locking in market gains. They warn of an impending major correction or crash—citing massive U.S. debt nearing $40 trillion, unfunded liabilities over $100 trillion, government money-printing fueling a bubble, and expert opinions from Robert Kiyosaki (predicting a historic stock-market collapse) and Peter Schiff (on unaffordable housing, war risks, and AI volatility)—and recommend hedging by cashing in some profits and reallocating part of portfolios.

A key highlighted tool is an A-rated company account that can instantly add 20–30% to retirement balances (covering Roth conversion taxes and allowing immediate compounding), plus opportunities to review/upgrade older annuities for 20–30% income increases, PSLIP strategies for tax-free income and long-term care protection, and gold/silver as hedges. Listeners are encouraged to call or text 1-800-297-5755 (or email info@MyMoneyIsSafe.com) for a second opinion, the Safe Money Bundle, or to watch TV episodes at MyMoneyIsSafe.com, emphasizing that no one loses money by taking profits and that safe, guaranteed strategies beat risky buy-and-hold in today’s environment.

In this episode entitled &ldquo;Cashing in Your Harvest with a Roth Strategy,&rdquo; Greg Elie and Patti Jaynes of The Prosperity Group stress taking advantage of currently low tax rates (the lowest in years) to convert taxable retirement savings into tax-free growth while locking in market gains. They warn of an impending major correction or crash&mdash;citing massive U.S. debt nearing $40 trillion, unfunded liabilities over $100 trillion, government money-printing fueling a bubble, and expert opinions from Robert Kiyosaki (predicting a historic stock-market collapse) and Peter Schiff (on unaffordable housing, war risks, and AI volatility)&mdash;and recommend hedging by cashing in some profits and reallocating part of portfolios.
A key highlighted tool is an A-rated company account that can instantly add 20&ndash;30% to retirement balances (covering Roth conversion taxes and allowing immediate compounding), plus opportunities to review/upgrade older annuities for 20&ndash;30% income increases, PSLIP strategies for tax-free income and long-term care protection, and gold/silver as hedges. Listeners are encouraged to call or text 1-800-297-5755 (or email info@MyMoneyIsSafe.com) for a second opinion, the Safe Money Bundle, or to watch TV episodes at MyMoneyIsSafe.com, emphasizing that no one loses money by taking profits and that safe, guaranteed strategies beat risky buy-and-hold in today&rsquo;s environment.

Cashing in your harvest with a Roth strategy

Greg Elie has been serving clients and retiree’s since 1990. He is licensed in life and health insurance in the states of South Carolina, North Carolina, Florida and Tennessee. Greg is well respected in the financial industry as a Complete Advisor. Being able to help Americans save taxes and reduce their risk in their retirement portfolios is what Greg specializes in. He has helped hundreds of clients’ have a more prosperous and less stressful retirement by showing them how to safely protect their assets from nursing home, medicaid, inflation and the ups and downs of the stock market. Greg offers support to clients by providing educational workshops for civic and church groups as well as other nonprofit organizations. He has given well over several hundred workshops throughout his career. Greg resides in Greenville and have been together for over 33 years. He has four children and one grand-daughter.

Greg Elie&nbsp;has been serving clients and retiree&rsquo;s since 1990. He is licensed in life and health insurance in the states of South Carolina, North Carolina, Florida and Tennessee. Greg is well respected in the financial industry as a Complete Advisor. Being able to help Americans save taxes and reduce their risk in their retirement portfolios is what Greg specializes in.&nbsp;He has helped hundreds of clients&rsquo;&nbsp;have a more prosperous and less stressful retirement by showing them how to safely protect their assets from nursing home, medicaid, inflation and the ups and downs of the stock market.&nbsp;Greg offers support to clients by providing educational workshops for civic and church groups as well as other nonprofit organizations. He has given well over several hundred workshops throughout his career.&nbsp;Greg resides in Greenville and have been together for over 33 years. He has four children and one grand-daughter.

My Money Is Safe with Greg Elie

Greg Elie has been serving clients and retiree’s since 1990. He is licensed in life and health insurance in the states of South Carolina, North Carolina, Florida and Tennessee. Greg is well respected in the financial industry as a Complete Advisor. Being able to help Americans save taxes and reduce their risk in their retirement portfolios is what Greg specializes in. He has helped hundreds of clients’ have a more prosperous and less stressful retirement by showing them how to safely protect their assets from nursing home, medicaid, inflation and the ups and downs of the stock market. Greg offers support to clients by providing educational workshops for civic and church groups as well as other nonprofit organizations. He has given well over several hundred workshops throughout his career. Greg resides in Greenville and have been together for over 33 years. He has four children and one grand-daughter.

My Money Is Safe

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