Protecting Your Retirement

Tax-Free Retirement Planning


Are you concerned about paying too much tax in retirement? Our national debt is in the TRILLIONS. How are we going to pay for that? We think it will be by raising taxes in the future. 

Sure, there are Roth IRAs but what if your earned income is too high - you may not qualify. By properly using Indexed Universal Life Insurance policies and Indexed Annuities, we have solutions that allow for very large contributions to create TAX-FREE INCOME without the same limits and restrictions as Roth IRAs. Money is also available before the age of 59 1/2 without the IRS 10% penalty for early withdrawals and there are NO Required Minimum Distributions "RMDs." 

Protection from Market Loss


Are you tired of market losses and volatility in your retirement portfolio? Do you remember 1987 and "Black Monday?" Or 2000, 2001 and 2002? Everyone remembers 2008 when the S&P 500 lost 38.49%. Are you looking  for more safety, protection and guarantees? You've come to the right place. "Getting the best of both worlds" - safety - AND performance is our specialty. Our Indexed Universal Life Insurance policies and Inexed Annuities CAPTURE THE UPSIDE OF THE MARKET WITH NO DOWNSIDE RISK. Wouldn't it be neat if you could have ALL GAINS AND ZERO LOSSES? We broker exclusively through extremely strong "A" rated insurance and financial institutions and only use plans that GO UP WHEN THE MARKET GOES UP, BUT DON'T GO BACK DOWN WHEN THE MARKET DOES.

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IRAs and 401K Rollovers


Do you have a 401K from a previous employer that you need to roll into an IRA? Do you have IRAs that you need to consolidate? Are your retirement assets under performing? Are you looking for more safety, protection and guarantees? Do you need guidance and strategies on income planning  so that you can finally enjoy what you've been looking forward to? Consider using us to roll your 401K or transfer your IRA, with no taxable event into an IRA funded with a fixed or fixed Indexed Annuity. We have options and solutions! 

Guaranteed Income for Life


What is the #1 concern of people who are retiring? RUNNING OUT OF MONEY. And it's no wonder. With medical technology constantly improving, people are living longer and longer. Will your savings last as long as you do? Have you factored in inflation also? Have you factored in age 70 1/2 and your required mandatory distributions, or "RMDs?" Will these deplete your savings faster than you thought? Annuities can provide a "Personal Pension," a GUARANTEED INCOME FOR LIFE that lasts FOREVER, no matter long you live. Rest easy, sleep well, knowing you have a guaranteed check, each month. 

Protecting Your Pension


Do you have a "Defined Benefit Pension Plan?" Do you work for a large company, or a government entity such as a state, county, municipality, school district, or PUD? You will be facing a very important decision. Should you take the "Single Life" option which pays you the highest income per month, but leaves nothing to your loved ones, OR should you take a reduced pension called the "Joint and Survivor" option so your pension continues to someone you love? Make the wrong move and it could be very costly. Many people take the J&S option without really looking at their options. Ponder this for a moment. Would it be better to take the highest paying "Single Life" option and use the savings, the increased income to purchase your own life insurance instead to protect your loved ones? This strategy is called "Pension Maximization. We have answers and can help you analyze if this strategy makes sense for you. 

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Protection from Inflation


Are you concerned about the effects of inflation on your retirement savings? Is the cost of a gallon of as or milk the same as it was 20 years ago? Hardly, right? With people living longer and longer, your retirement money will have to keep up. At 4% inflation, you will need twice the spending power to buy the same thing in 18 years. Use the "Rule of 72" to see how this works: Take 72 and divide it by the rate of inflation to see how long it will take for something to be double in price. (72 / 4 = 18). Pretty sobering, isn't it? We can show you ways to offset inflation. 


Indexed Plans - All Gains, ZERO Losses.

Our plans go up when the market goes up - but don't go back down when the market does!

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Why Tax-Free Income is Critical!

Cash value life insurance can be a powerful tool!

Here's another great video.

Learn about guaranteed income for life

Learn more about this powerful strategy 

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