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? HOW DO WE DO THIS? What are we using?.....We do zero work with stocks, bonds or mutual funds which can be be risky and lose money. Instead, we broker exclusively through a variety of "A rated" life insurance and annuity carriers that offer "INDEXED PLANS" THAT GO UP WHEN THE MARKET GOES UP, ....BUT NEVER GO BACK DOWN WHEN THE MARKET DOES.
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."
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!
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? While individual disability insurance policies can protect your paycheck to cover current expenses like the mortgage or rent, food, groceries and utilities, they can also protect your retirement contributions.
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? 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.
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.
We broker exclusively with extremely strong, top A rated life insurance and annuity companies that provide GUARANTEES and safety of your retirement savings, with very competitive returns. All gains are locked-in annually and cannot be lost, even if the market goes down. There are many tax advantages as well!
Unlike other investments such as stocks, bonds and mutual funds or even real estate, Cash Value policies like Indexed Universal Life and Fixed Indexed Annuities "LOCK-IN GAINS," and cannot go back down - even if the market does. Also - all new gains START at the last locked-in position, NOT from the bottom, trying to play catch up. Why is this important?
With Fixed Indexed products, such as Fixed Indexed Universal Life, or Fixed Indexed Annuities, this is NEVER a problem. The fact you can capture the upside gains of a stock index like the S&P 500, but without any of the downside market risk is a HUGE part of their appeal.