Most financial advisers, financial planners and fee based asset managers are all about pie charts which is just RISK AND SPECULATION. Rather than using guarantees like we do - they simply "recommend" using diversification, pie charts, and asset allocation models to spread the risk. BUT IT'S STILL NOT GUARANTEED!
But keep in mind - if you are using "strategy" and "diversification" alone without actual guarantees - you are still just GAMBLING! You're simply using 20 slot machines instead of one.
WITHOUT GUARANTEES, and strategy, speculation, and diversification and gambling - you face the VERY REAL RISK OF IRRECOVERABLE LOSS. Some will say "You just have to give it time and wait for it to come back." Really??? What if you were planning on retiring in 2008 right before the almost 40% drop in the S&P 500? Or in 2009, when the Dow went down 52%? WHAT THEN?
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?
Are you concerned about paying too much tax in retirement?
Our national debt is in the TRILLIONS and is getting worse every day. How are we going to pay for that? We think it will be by raising taxes in the future.
Roth IRAs can create tax-free income in retirement, but what if your earned income is too high to qualify?
With properly designed Indexed Universal Life Insurance policies, very large contributions can be made to create TAX-FREE INCOME without the same limits and restrictions as Roth IRAs.
Access to funds are also available before the age of 59 1/2 tax-free and without the IRS 10% early withdrawal penalty.
Another huge advantage - unlike Traditional and Roth IRAs and 401Ks is there is no "use it or lose it" April 15th deadline. Policies allow smaller contributions (premium payments) during tougher times and allow for large increases and "catch-up" dump-ins when times are good.
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 from a previous employer or transfer your existing IRA, with no taxable event into an IRA funded with the SAFETY, SECURITY AND GUARANTEES of a Fixed Indexed Annuity. We have options and solutions to absolutely protect both your principal and gains earned from all downside market risk and also help you to create a single or joint "pension" a guaranteed lifetime income you cannot outlive! Your pension can go UP when the market goes up and NEVER go down when the market does.
What is your plan if you get sick or hurt and cannot earn an income to fund your retirement plan? If you have no job, no income and no 401K contributions and no employer match, you have no retirement. Now what? Where will the money come from to save for retirement?
Disability Insurance "DI" can protect your retirement savings in TWO WAYS:
What is the #1 concern of people who are retiring? It's 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?
Fixed and Indexed Annuities can provide a Single or Joint Life "Personal Pension," a GUARANTEED INCOME FOR LIFE that lasts FOREVER, no matter how long you or your spouse lives. Rest easy and sleep well, knowing you have a guaranteed check, each month that can only go UP with the market gains, but never down.
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.
Our top Fixed Indexed Life Insurance and Annuity companies provide GUARANTEED safety and market protection. All your gains are locked-in annually. When the market is UP - YOU are up. When the market is DOWN - you lose NOTHING.
Unlike stocks, bonds, mutual funds, metals, bit coin or real estate, which ae all pure speculation, gambling and real risk of losing money, CASH VALUE LIFE INSURANCE and ANNUITIES are the world of SAFETY AND GUARANTEES!
Fixed Indexed Life Insurance and Annuities are able to capture the competitive UPSIDE of stock indices like the S&P 500 but with NONE of the downside market risk or losses. They protect and insure both your principal and your gains don't go back down.....even if the market does. Why is this important?
So to summarize, if you take a 50% hit, a loss, you need a 100% gain JUST to get back to EVEN! This is much easier said than done and could take a very long long time, ........ time you might not have. What if your retirement date was supposed to to be 2008 right when the S&P 500 crashed almost 40%?
Learn about guaranteed income for life, tax advantages and how to capture the upside of the market like the S&P 500 with guaranteed safety and ZERO downside market loss
"HIT" Stands for (Healthcare, Inflation and Taxes). How will your retirement stand up to rising costs?
Remember 2008 and the nearly 40% loss? Learn how to capture the UPSIDE of the market - while "LOCKING-IN" your gains with guaranteed ZERO downside market loss