Your earned income IS your greatest asset! Without it...... nothing else matters!
If you got sick or hurt and couldn't work to make a living, how long could you make it on your savings before running out of money?
Disability Insurance or "DI" is PAYCHECK PROTECTION. It can cover your personal living expenses such as the mortgage or rent, car payments, utilities and groceries and even funding your retirement.
On average it only costs between 2-3% of your income to PROTECT 60-80% of your income, and the benefits are totally TAX-FREE!
We can even cover your STUDENT LOAN PAYMENTS whether you are totally or partially disabled.
We can help you to protect your family and loved ones and pass on your wealth in the most tax-efficient way possible.
Brokering with the best top A+ rated life insurance companies in the industry for the most competitive rates, we can also help you to research and shop for the policy that make the most sense for you.
Is there anything else in the world more important than protecting the ones you LOVE?
We're experts when it comes to creating 100% TAX-FREE retirement income, guaranteed PENSION style life income and capturing the UPSIDE of the market with GUARANTEED ZERO DOWNSIDE MARKET LOSS
Why gamble with your hard-earned money and leave it to chance when you don't have to?
DISABILITY EXPENSE REIMBURSEMENT
If you run a business or practice - how will you cover your overhead expenses if you become totally disabled?
BOE reimburses routine business expenses such as payroll, utilities, malpractice insurance, a mortgage or the office lease.
In additon, with a "Business Loan Repayment Rider" (BLRR) We can also cover your BUSINESS OR MEDICAL PRACTICE COMMERCIAL LOAN PAYMENTS to keep your practice open and operating.
Premiums are even TAX-DEDUCTIBLE!
CUSTOMIZED BONUS PLANNING (CBP)
Unlike standard group benefits, where everyone must be included regardless of merit - with CBP, you can pick and choose who gets what, givng you more control to reward based on merit and loyalty. For one employee, maybe it's a first class disability income protection plan. For another it might be retirement planning and life insurance. We can also add "Golden Handcuffs" to improve loyalty and retention for your best employees.
BUY/SELL LIFE AND DISABILITY INSURANCE
This provides the immediate liquid cash needed most when a business partner dies or becomes totally disabled. Most businesses and partners simply do not have the liquid cash to buy out a deceased or disabled partner's share or estate. Not having a well-drafted buy/sell agreement, funded with insurance is a recipe for drama, discontent and disaster.
KEY PERSON INSURANCE
Covers your business or practice when one of your best top employees either dies or become disabled. It can also provide extra incentives and rewards to attract and retain top talent.
LTC IS USED FOR TWO THINGS:
One, to protect your hard-earned assets from getting annihilated because the cost of long term care is so expensive and keeps getting worse.
Two, to get the care you want WHERE you want; most people would prefer the dignity and the familiararity of getting their care in their own home, as opposed to an outside nursing home or assisted living facility.
Sometimes this is handled with a stand-alone "LTC" policy, or often it is handled more ideally with a permanent cash value life insurance policy with a special "living benefits rider," which can allow the insured to access a portion of the tax-free death benefit while alive to cover chronic illnesses (long term care).
AFFORDABLE Quality Legal Help for most things with a low monthly membership instead of exhorbitant hourly rates. Significant savings on hourly rates for more complex situations.
RELATIONSHIPS WITH EXPERT BUSINESS BROKERS
We have worked hard to develop great relationships with knowledgeable business brokers, experts in their field with proven track records to help you properly assess the value of your business and get it marketed and SOLD with the best possible outcome on price.
For many business owners, a large portion of their retirement or the lion share comes from the sale of their business to create their retirement nest egg. In order to sell your business and create the liquidity needed to enter your next exciting chapter of retirement, finding a good business broker can be essential. We are happy to introduce you to some of the best business brokers in the industry!
Todd Radwick writes regularly as a Financial Columnist in a variey of magazines, business journals and publications.
Here you can find links to numerous articles to help educate you as you plan for your future financial security for you, your family and your business.
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