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    Helpful Articles


    Social Security checks will see an increase in 2020, but will it be enough for retirees? Financial professional Brad Zucker talked with KTNV about what the COLA means for millions and ways to maximize your benefits.

    How to Maximize Social Security Benefits

    1. Timing is Everything
    2.   Estimate your future benefit amount here

    3. Uncle Sam Pays Alimony

    Retirement Planning Tips

    1. Save, Save, Save
    2. Wipe Out Debt
    3. Create a Customized Plan

    Student loan debt is at an all-time high, totaling $1.6 trillion. February is Financial Aid Awareness Month, and financial professional Brad Zucker talked with KTNV about the financial aid homework we should be doing now to ease the cost of college.

    Financial Aid Homework

    Assignment #1: Crunch the Numbers

      Click here for a Financial Aid Calculator

    Assignment #2: Learn the Lingo

    Assignment #3: Earn Your Money

    Assignment #4: Highlight the Details


    If you want to set a New Year’s resolution that will actually stick, make 2020 the year you get started on your financial bucket list! Financial professional Brad Zucker talked with KTNV about what should be on our bucket list and tips to reach those goals.

    Financial Bucket List:

    1. Eliminate Debt
    2. Build a 6 Month Emergency Fund
    3. Save 15% of Your Income
    4. Create a Financial Plan
    Click here for an interest rate calculator

    Accomplish Your Goals:
    1. Launch a Snowball
    2. Cut Unnecessary Expenses
    3. Start Small

    Tax identity thieves are ready for tax season, but are you? Financial professional Brad Zucker talked with KTNV about how to prevent becoming a tax identity theft victim.

    1. File as Early as Possible
    2. Protect Your Computer
    3. Beware of Scams
    4. Adjust Your Withholding
    Click here for the new IRS Withholding Calculator
    Click here to report a suspicious email to the IRS.
    Click here if you believe you are a victim of Tax ID Theft.


    The rules for divorce changed under the new tax law, and when it comes to your finances, it’s better to figure things out sooner than later. Financial professional Brad Zucker talked with KTNV about his divorce checklist.

    1. Create a Strategy
    2. Change Spending Habits
    3. Build an Emergency Fund
    4. Consider Taxes
    Click here for a Divorce Money Checklist


    Saving money doesn’t have to be hard. With a few small changes to your lifestyle, you can pocket more money! Financial professional Brad Zucker talked with KTNV about four ways you can stash away cash.

    1. Get Your Free Money
    2. Reduce Your Withholding at Work
    Click here for the IRS withholding calculator
    1. Negotiate Your Bills
    2. Challenge Yourself
    Click here


    It’s the first major piece of retirement legislation in more than a decade. The SECURE Act impacts anyone with an IRA or 401(k). Financial professional Brad Zucker spoke with KTNV about the changes.

    • RMD Age Increases to 72
    • IRA Contributions at Any Age
    • 401(k) Options Expanded
    • Penalty-Free Withdrawals for New Parents
    • Stretch IRA Eliminated


    If you’re having a hard time keeping your New Year’s resolutions, you’re not alone. Financial professional Brad Zucker talked with KTNV about five ways to reboot your failing financial resolution.

    • Get Support
    • Reframe Your Resolution
    • Create an Action Plan
    • Automate Your Resolution
    • Stay Persistent

    Click here for a goal setting worksheet


    Holiday spending could be putting your finances in danger all year round. Financial professional Brad Zucker talked with KTNV about four ways to keep our holiday splurging in check.

    Make Your List Early
    Click here for a budget worksheet
    Get Smart About Credit
    Avoid Going Overboard
    More info on 529 Plans here
    Adopt a Saving Mindset

    Thanksgiving is all about being grateful for what we have, and that includes our money! Financial professional Brad Zucker talked with KTNV about ways to change our gratitude attitude and improve our finances.

    Be Thankful for the Company Match
    Be Thankful for Compounding Interest
    Be Thankful for Roth Conversions
    Be Thankful for Customized Retirement Plans

    Click here for a Compound Interest Calculator

    Medicare open enrollment is from October 15th-December 7th. It can be a confusing time for retirees. Financial professional Brad Zucker talked with KTNV about four common Medicare misconceptions and how to prevent costly mistakes.

    Click here to start mapping out your Medicare Plan.
    Lying to your spouse or partner about money can put a significant strain on your relationship. How do we avoid financial infidelity? Financial professional Brad Zucker stopped by KTNV to share tips for couples.
    1. Be Honest
    2. Always Communicate
    3. Plan Together
    Click here for a Retirement Calculator

    We’re halfway through the year, and it’s the perfect time to review our finances. Financial professional Bradley Zucker stopped by KTNV to share four midyear money moves.

    Click here for an estate planning checklist.


    Check out Brad in the News!
    From fake vacation deals to bogus contractors, scammers are not taking a summer break. Financial professional Brad Zucker talked with KLAS-TV about common summer scams and offered tips to avoid getting burned.

    1. Employment Scams
    2. Travel Scams
    3. Home Improvement Scams
    4. Grandparent Scams

    Click here for resources to help you file a scam complaint.


    Check out Brad in the News!
    Tax season is over but our work isn’t done! Now is the perfect time to start planning for the future. Financial professional Bradley Zucker talked with KTNV about some of the most important moves to consider when tax planning.

    • Adjust Your Withholding
    • Plan for Charitable Giving
    • Maximize Retirement Contributions
    • Diversify Your Savings
    Click here for the IRS withholding calculator

    Check out Brad in the News!
    This Mother’s Day, give mom the credit she deserves. Financial professional Bradley Zucker talked with KTNV about the many ways our moms taught us to save and spend money wisely.

    • Budget for Everything
    • Live Within Your Means
    • Use Credit Cards Wisely
    • Start Saving Early
    Click here for a budget worksheet

    Do you know how you’re going to spend your tax refund this year? Financial professional Bradley Zucker stopped by KTNV to share four ways to give your refund a refresh.

    • Turn Cash into Comfort
    • Delete Debt
    • Plan for the Golden Years
    • Pay it Forward
    • Click here to check your withholding

    Do you know how you’re going to spend your tax refund this year? Financial professional Bradley Zucker stopped by KTNV to share four ways to give your refund a refresh.

    • Turn Cash into Comfort
    • Delete Debt
    • Plan for the Golden Years
    • Pay it Forward
    • Click here to check your withholding

    TAX SEASON IS OFFICIALLY UNDERWAY! MOST OF US DON’T WANT TO THINK ABOUT TAXES YET, BUT IT’S IMPORTANT WE DON’T WAIT UNTIL THE LAST MINUTE!

    LOCAL FINANCIAL PROFESSIONAL BRAD ZUCKER FROM SAFE MONEY ADVISORS HAS FOUR REASONS TO FILE EARLY.

    Website Download:

    This isn’t the year to procrastinate filing your taxes. Financial professional Brad Zucker talked with KTNV about 4 reasons to file your taxes early.

    1. Time to Plan
    2. Get Your Money Back
    3. Know What You Owe
    4. Lower the Risk of ID Theft

    Click here to report a suspicious email to the IRS.
    Click here if you believe you are a victim of Tax ID Theft.

    ‘Tis the season to give to others, but there’s a major change to the way charitable giving will affect our taxes, thanks to the Tax Cuts and Jobs Act. Financial professional Brad Zucker talked with KTNV about the changes and tips for charitable giving this holiday season.

    Resources to investigate charities:
    CharityWatch | Charity Navigator | Guidestar | BBB Wise Giving Alliance

    Tax Strategies for Charitable Giving
    1. Bunching
    2. Donor-Advised Funds
    3. Required Minimum Distributions

    Website Download:
    September is National Self-Improvement Month! It’s the perfect time to make some changes in your life, especially when it comes to your finances. Financial professional Bradley Zucker talked with KTNV to share a week-by-week guide to help you reach your financial goals.

    • Week 1: Evaluate Your Budget
    • Week 2: Look for Ways to Save
    • Week 3: Review Retirement Accounts
    • Week 4: Keep Going
    Click here for a budget worksheet

    China is calling it “the biggest trade war in economic history.” Tariffs are now in place on hundreds of products worth billions of dollars between the two countries. Financial professional Bradley Zucker talked with KTNV about how we could all be affected.




    Playing youth sports is expensive! What many parents don’t realize is the cost of competition may be putting their retirement at risk! Financial professional Bradley Zucker was on KVVU to share tips on how to find a balance between kids’ athletic teams and parents’ retirement dreams.

    1. Create a Budget
      Click here for a budget worksheet
    2. Prioritize Your Retirement
    3. Find Cost Saving Alternatives
    4. Invest Your Time
      Click here for a retirement calculator
    5. Get a Winning Coach

    Father’s Day might be a good time for a family financial discussion
    This Father’s Day weekend, you can start a new tradition: a family financial discussion. Financial professional Bradley Zucker stopped by KTNV to share 5 questions to get the conversation started.

    1. Do you and mom have a will?
    2. Where do you keep your important documents?
    3. When was the last time you revisited your estate plan?
    4. Are you and mom protected in case something happens to one of you?
      Click here for a life insurance calculator
    5. Who is your financial professional?

    What you need to know about the cost of competitive sports
    Playing youth sports is expensive! What many parents don’t realize is the cost of competition may be putting their retirement at risk! Financial professional Brad Zucker was on KVVU to share tips on how to find a balance between kids’ athletic teams and parents’ retirement dreams.

    1. Create a Budget
    2. Prioritize Your Retirement
    3. Get a Winning Coach

    Click here for a budget worksheet
    This Father’s Day weekend, you can start a new tradition: a family financial discussion. Financial professional Bradley Zucker stopped by KTNV to share 5 questions to get the conversation started.
    1. Do you and mom have a will?
    2. Where do you keep your important documents?
    3. When was the last time you revisited your estate plan?
    4. Are you and mom protected in case something happens to one of you?
    5. Who is your financial professional?
    Click here for a life insurance calculator

    Helpful Money Tips for Graduates
    The Class of 2018 still has a lot to learn when it comes to financial matters! Many are relying on Mom & Dad to pay their bills, like groceries, insurance or rent. Financial professional Brad Zucker talked with KTNV to share tips to help recent grads and their parents.

    • Track Every Dollar
    • Pay Down Debt
    • Give Yourself a Head Start
    • Save For Emergencies

    Click here to see how much parents’ finances can be affected by helping adult children.


    Website Download:
    We’ve all heard of the gender pay gap, but what about the maternal pay gap? Moms with their first child are earning 15% less than women without kids! For Mother’s Day, financial professional Brad Zucker talked with KTNV about helping moms get ahead!

    1. Take Control Click here for a retirement calculator
    2. Build Your Retirement
    3. Put Yourself First
    4. Strategize Social Security

    Suffering from tax time procrastination? Try these helpful tax tips.
    With the tax deadline just around the corner, the pressure is on for people who still haven’t filed their taxes. Financial professional Brad Zucker is talking with KVVU Fox 5 about some last-minute tax tips to help procrastinators.

    Click here to file an extension
    Click here for Withholding Calculator


    What You Should Consider When the Market is Volatile:
    It’s been nine years since the height of the Great Recession: the day the stock market bottomed out. Financial professional Brad Zucker talked with KTNV about what we’ve learned and what we should consider with our money today.

    1. Think Long-Term
    2. Age Matters
    3. Invest with a Purpose
    4. Control What You Can

    Start by clicking here for a retirement calculator.


    Millennials, Stop Doubting Your Investment Choices

    Website Download:

    Tax reform is officially in place. Over the next several months, the changes could start adding up. Financial professional Brad Zucker talked with KVVU about 5 smart money moves to consider now that it’s in effect.

    1. Check Your Withholding
    2. Increase Your Savings
    3. Take Advantage of Low Interest Rates
    4. Ask for a Raise
    5. Consult a Professional
    Click here to see your new tax bracket
    Click here to see the new IRS withholding tables


    Website Download:

    A warning as you get ready to file your taxes: scammers may have their sights set on your refund! Financial professional Brad Zucker talked with KTNV about the steps filers should take to protect their refund and their identity.

    1. File Early
    2. Watch for Red Flags
    3. Be Secure
    4. Adjust Your Withholding
    5. Click here for the new IRS Withholding Tables
    6. Click here to report a suspicious email to the IRS.
    7. Click here if you believe you are a victim of Tax ID Theft.
    IRS Withholding Tables:
    https://www.irs.gov/pub/irs-pdf/n1036.pdf

    Report phishing:
    http://www.irs.gov/uac/Report-Phishing

    Resources for victims:
    https://www.irs.gov/individuals/how-do-you-report-suspected-tax-fraud-activity


    Keep Your Retirement Dreams From Going Up In Smoke. - 9/19/2013

    Recent Articles by Brad Zucker

    Check out Brad's appearances in Fox Business.

    How To Overcome a Costly Financial 'Oops' - 04/13/2013

    Check out Brad's appearances in The Henderson Press.

    Social Security - Five Things You Should Know - 10/11/2013

    Stock Markets: get in or get out? - 07/24/2013

    Financial resolutions for 2013 can create healthier future - 01/10/2013


    Check out Brad's appearances in the USA Today.

    Don't let retirement stress marriage: Plan to be busy


    Check out Brad's appearances in the Las Vegas Review Journal.

    Not Just For a Rainy Day - 08/26/2012

    With Uncertain Market, Planning is Key - 06/23/2014

    How work affects your social security benefits - 10/06/2014

    Peace of mind in retirement - 10/13/2014

    The need for retirement planning - 10/20/2014

    Exploring capital gains - 12/08/2014

    Watch out for Wall Street's curveball - 12/15/2014


    Check out Brad's appearance in LifeHealthPro, the web version of Senior Market Advisor magazine.

    Take Pension Benefits to the Max

    >>Click here for more articles!

    Enjoy Retirement Get the 2012 Dalbar Report summarizing investor behavior. Is your investor getting the results you expect?

    Enjoy Retirement Our services are geared to help you reach your retirement goals in life.



    BBB Any concerns please contact J.W. Cole Compliance at 813-935-6776
    NEB Las Vegas Chamber of Commerce
    NAIFA Member IARFC


    Safe Money Advisors, Inc.
    An independent financial advisory firm in Las Vegas, NV


    It’s not always easy to have money conversations with your partner, but asking the tough questions can be crucial to the success of your relationship. Financial professional Brad Zucker shared five questions with KTNV to find out if you’re a money match with your partner.

    Click here for a Financial Compatibility Quiz


    Saving money doesn’t have to be hard. With a few small changes to your lifestyle, you can pocket more money! Financial professional Brad Zucker talked with KTNV about four ways you can stash away cash.

    1. Get Your Free Money
    2. Reduce Your Withholding at Work
      Click here for the IRS withholding calculator
    3. Negotiate Your Bills
    4. Challenge Yourself
      Click here






     


     


     


    Each year, there are four days that can have a big impact on your money. Financial professional Brad Zucker stopped by KTNV to share important financial dates you need to mark on your calendar for 2020. Catch Brad sharing helpful financial advice with Money Talks every weekend.









     










     




     




     








     

     

    To see the full videos of Brad's television appearances, go to our Retirement News page or just click here.

     

    In just the last decade, we’ve witnessed rampant market swings from bull markets to bear markets and back again. If there’s one lesson that’s been reinforced, it’s that you need a plan designed to weather any type of market or economic environment.

    These days, thanks to new prescription drugs and medical technology, people are living longer than ever before. However, one drawback to a longer life is the greater possibility of outliving your savings - creating all the more reason to develop a strategic plan that continues to work for you no matter what the market environment.

    • Are you aware of hidden risks your current investments may have?
    • Have you been told about time-tested ways to increase income and avoid running out of money?
    • Do you know how to use funds from your IRA to leave a Tax-Free legacy to your spouse, children or grandchildren?
    • Are you making critical mistakes with your IRA beneficiary designations?
    • Should you name a trust as a beneficiary? When and why?
    • Do you know what a stretch IRA is and how it would benefit your heirs?
    • Have you shielded assets from catastrophic medical and nursing home expenses?
    • Could you be tripling the value of your IRA to your beneficiaries?
    If these questions and more are on your mind, you should be consulting with Brad Zucker of Safe Money Advisors, Inc.

    To schedule a time to discuss your financial future, contact us today!