Ken Luckinbill

My mission is to help people build wealth so they can bless their families and their communities.

[Ken Luckinbill @LuckinbillFA]

Can you retire at 62 with $400K in your 401(k)? The math might surprise you. Free calculator in the comments 👇 https://t.co/8iKXMkR4y2

[Ken Luckinbill @LuckinbillFA]

Inflation has roughly doubled the cost of everything since 2000.

Here's a 5-second math trick — the Rule of 72 — that shows exactly how fast inflation is eroding your buying power.

Your savings need to outpace inflation. A bank account earning next to nothing isn't safe. It's a slow leak.

[Ken Luckinbill @LuckinbillFA]

S&P up 2.51% today.

$1,000 invested in the market 100 years ago = ~$16 million today.*

The long game works.

The challenge for Iowa retirees isn't whether to be in the market. It's staying in it when things get scary.

That's what a solid plan solves.

*Based on historical S&P 500 returns with dividends reinvested. Past performance does not guarantee future results.

[Ken Luckinbill @LuckinbillFA]

Most people never know when they've saved enough to retire.
Here are 3 formulas that answer that question:
1️⃣ Monthly income need = vital expenses + 30% lifestyle 2️⃣ Income gap = (monthly need − SS/pension) × 12 3️⃣ Ratio = annual gap ÷ savings
Below 3% → overfunded ✅ 3–6% → constrained ⚡ Above 6% → not yet ❌
Free calculator 👇 https://t.co/soJYAph2kf

[Ken Luckinbill @LuckinbillFA]

Most retirees assume their taxes go DOWN in retirement.

For many, the opposite happens.

At RMD age the IRS forces withdrawals from your IRA — whether you need the money or not.

One couple I worked with was on track for: → $1M+ in lifetime taxes → $2.75M tax bill for their kids

A Roth conversion strategy changed everything.
New short 👇

[Ken Luckinbill @LuckinbillFA]

Markets drop hard. 2008: S&P -38.49%. A 40% loss needs a 67% rebound just to break even.

ZEGA’s Buy & Hedge strategy? Captures 65-80% upside + caps severe losses at ~8-10%.

Smoother retirement ride. Free guide in comments. https://t.co/3iZXIEbPv9

Book a 15-min Volatility Shield call with me → https://t.co/NwOwUvIghV

[Ken Luckinbill @LuckinbillFA]

Shocking stat: ~70% of us will need long-term care after 65, with costs often $70k–$130k+ per year for assisted living or nursing homes. Doing nothing or relying on Medicaid can wipe out your savings and legacy.

Get my FREE guide: 'Protecting Your Legacy – LTC & Life Insurance Basics' – packed with straightforward info on risks, options, and smarter choices.
Download now: https://t.co/iV4hlKz0eX

[Ken Luckinbill @LuckinbillFA]

Taxes eating your investment wins? Short-term gains hit like regular income (up to 37%+), but smart strategies harvest losses & convert to long-term rates (often 15% or less). Keep more to compound! How much are taxes costing you?
Book FREE consult: https://t.co/A0psok8v3s https://t.co/rG6s5fMwRp

[Ken Luckinbill @LuckinbillFA]

Stocks & bonds diversify… until they don't (both down in 2008, 2022). Gold often zigged differently.
Bloomberg data 2008–2025 YTD Q3:

2008: S&P -37%, Treasuries +11%, Gold +6%
2022: S&P -19%, Treasuries -10%, Gold +1%
2025 YTD: Gold +47%!

Correlations (this period): Stocks-Bonds ~0.03, Gold-Stocks ~0.14, Gold-Bonds ~0.39
Low correlations highlight diversification potential — but they change & no guarantees.
Your portfolio beyond stocks/bonds?
Educational only—not advice. Past perf ≠ future. Risk of loss. Consult advisor. Bloomberg data.

[Ken Luckinbill @LuckinbillFA]

Old 60_40 Portfolio is Dead 💀 Change Your Mix with ZSTK

In ZSTK, every dollar is invested in 75% Treasuries, 75% Hedged Equity, and 75% Gold.

Wait.... that equals 225%! That's right, ZSTK uses options to create an path of low-correlation investments! https://t.co/xiueud7XwC

[Ken Luckinbill @LuckinbillFA]

Getting more than just dividend income from stocks is possible.

[Ken Luckinbill @LuckinbillFA]

Got heavy single-stock concentration risk? It can be managed.

[Ken Luckinbill @LuckinbillFA]

Some people who like taking chances with stocks often want the good growth but not the full scary drops. Some plans use “options” to limit how much you can lose while still getting part of the gains when stocks rise. We call that “hedging.”

[Ken Luckinbill @LuckinbillFA]

Just holding stocks forever works when prices go up, but it lets everything fall hard when prices go down. Smart ways exist to add a safety net. These strategies include the use of “options” to limit big losses while still letting you make money when things go well.

[Ken Luckinbill @LuckinbillFA]

Many of our veterans served with honor and sacrifice—yet too often, their long-term care needs catch families off guard. Have you explored the VA Aid and Attendance benefit? It's a tax-free monthly pension add-on that provides meaningful support when planned for thoughtfully.

[Ken Luckinbill @LuckinbillFA]

Have you had "the talk" yet? Start the conversation with love and respect.
You're not alone. We're here for you.
Register below for Long-Term Care seminar March 3rd 6:30pm.
https://t.co/T0XjNEC0hj

#LTCPlanning #FamilyConversations #ProtectYourFuture #LongTermCare

[Ken Luckinbill @LuckinbillFA]

Sign up TODAY for March 3rd seminar!

https://t.co/T0XjNEC0hj

[Ken Luckinbill @LuckinbillFA]

Don't rely on Medicaid for LTC—
If unavoidable & one spouse needs care, federal spousal rules protect the healthy one:
Assets: home, 1 car, items.
Income: Shift up to $4,066.50/mo from needy spouse for living costs if needed.

Plan smarter w/ LTC insurance!