Tired of volatility and losses?
"Diversification" alone is no match for GUARANTEES
What's a good night's sleep worth? Are you willing to "roll the dice" on your hard-earned retirement savings?
You're just "GAMBLING"
"It's like using 50 slot machines instead of 1"
DIVERSIFYING your investments can help to "reduce" risk ..... but NOTHING BEATS GUARANTEES against market loss
NEVER FORGET!
Good times tend to bring short-term memory loss
S&P 500 and Dow Jones- Notable Loss Years
- 1930 -28.48%
- 1931 -47.07%
- 1937 -38.59%
- 1974 -29.72%
- 1987 -22.6% (Oct 19th, Black Monday)
- 2002 -23.37%
- 2008 -38.49%
- 2022 -19.44%
What are our PRIORITIES?
SAFETY 1st - Return 2nd
"I'm not so much interested in the return "ON" my money as I am in the return "OF" my money"
Will Rogers
WHAT IF THERE WAS A BETTER WAY?
Only one direction - UP!
Indexed Annuities and Indexed Universal Life Insurance work like a RATCHET WRENCH, protecting both your principal and your interest/gains! Investment values can only go one direction - UP. That means ZERO losses.
WHY TAKE UNNESSESARY RISKS?
Guaranteed Locked-In Gains ZERO LOSSES
Fixed Indexed Annuities (FIA) and Indexed Universal Life Insurance (IUL) guarantee protection of your principal and the upside gains of indices such as the S&P 500 and others which are locked-in annually.
What about TAXES?
We are nearly $36 trillion in national debt
Our country has a serious tax problem. Social Security, Medicare and Medicaid are seriously underfunded. The interest alone on our national debt is expected to exceed the entire US military budget in 2025.
How Much is a TRILLION Dollars anyway???
If $1 = One Second........
- $1 Million = 11 1/2 Days
- $1 Billion = 32 Years
- $1 Trillion = 32,000 Years!
There's a reason Ronald Reagan only made TWO movies a year
To Avoid a 94% Tax-Bracket
Ronald Reagan only made two movies per year at $100,000 each because at that time, anyone who made more than $200,000 was in the 94% tax bracket. We are currently experiencing LOW taxes. The highest bracket today is only 37%. Taxes MUST go up to cover our out-of-control national debt!
TAX-FREE Retirement Planning Is the Answer - Two Solutions
The Roth 401K and IRA
TAX-FREE GUARANTEED LIFE INCOME (PENSION)
Both Roth 401Ks through your employer where you can get a company match and Roth IRAs on your own are excellent choices for building TAX-FREE income in retirement.
BONUS!
Many people are not aware that "IRA" does not only stand for "Individual Retirement Account" - but it ALSO stands for "Individual Retirement ANNUITY." This means you can set up your Roth IRA, using a Guaranteed Life Income Annuity as the "engine" or investment inside your Roth IRA, thus creating a TAX-FREE LIFE INCOME (PENSION)!
In addition, at retirement, a Roth 401K can be "rolled over" into your Roth IRA, thereby creating even more TAX-FREE guaranteed life income you cannot outlive.
But Roth IRAs also have some serious rules and limitations and IRS penalties for early withdrawal to be aware of. Contact us to learn more and how to stay in compliance.
The "LIRP"
TAX-FREE RETIREMENT PLANING ON STEROIDS
"LIRP"stands for "Life Insurance Retirement Plan"
Because there are stiff IRS rules which prohibit high-income earners from contributing to Roth IRAs, LIRPs have been used for many years by the affluent as a way to not only protect their loved ones with life insurance, but to also create substantial tax-free distributions during their retirement years. 85% of highly-compensated CEOs of fortune 500 companies use LIRPs to in their financial plans
The LIRP is an ingenious powerful retirement planning strategy that involves using a properly designed permanent cash value life insurance policy, often Indexed Universal Life, that not only provides the peace of mind and security of a tax-free death benefit, but also the tax-deferred build up of CASH VALUE equity, which can be accessed 100% TAX-FREE at any age, even before 59 1/2 for emergencies, opportunities or for supplemental income in retirement.
How a LIRP Indexed Universal Life Policy Actually Works
Never Run Out of Money!
Guaranteed "Paychecks and "Playchecks" for LIFE
With modern medical technology, people are living longer than ever. Life insurance illustrations now go to age 110 and beyond! The ONLY WAY to guarantee you'll NEVER run out of money is with an ANNUITY offered by a top A rated life insurance company!
7% Guaranteed for Ten Years
GUARANTEED LIFE INCOME
Ask about our Guaranteed PENSION-LIKE Annuity that pays a minimum of 7% compounded growth on your life income balance while you let your plan grow.
HOW IS IT ALL GUARANTEED?
Financial Strength - Ratings Matter
We partner with some of the finest most trusted and respected life insurance and annuity companies in the industry, going strong since the 1800s with the highest "A" comdex ratings for financial strength and claims-paying ability from Standard & Poors, Moody's, A.M. Best and Fitch.
ANNUITIES - Guaranteed Income Planning
Retirement Planning
Indexed Universal Life
Selling a Business to Create a Tax-Free Nest Egg
Pension Planning Options
Roth Investing Could Curb Future Tax Exposure
Indexed Annuities - Increasing Income Locked-In
Roth Vs Traditional IRAs and 401Ks
In the News - See Our Published Articles
Tax-Free Retirement Planning for Your Orthotics & Prosthetics Practice
Successful Practices - Creating Tax-Free Income in Retirement with all Gains and Zero Market Risk
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