Brownlee Cromwell - Universal Retirement Insurance Agent

01/06/2026

Probate can cost around 4% of your Estates total value or more. One way to avoid probate is to get a Will or a Trust. You can go to the below website for more information. https://brownleecromwell.legalshieldassociate.com

12/14/2025

Thinking About Rolling Over Your 401(K) Into an Annuity? Here’s a Quick Breakdown 👇
When you leave a job or retire, you may be considering what to do with your 401(k). One option is rolling it into an annuity. Like any strategy, it has pros and cons worth weighing.
✅ Pros
✔️ Protection from market downside – fixed annuities can protect your principal if markets fall
✔️ Predictable income potential – some annuities offer guaranteed lifetime income
✔️ Tax-deferred growth continues – you don’t pay taxes until you withdraw
✔️ Peace of mind – less worry about sequence of returns in retirement
⚠️ Cons
❌ Fees and costs – some annuities have higher fees or optional rider charges
❌ Liquidity limits – early access may trigger surrender charges
❌ Complex features – caps, participation rates, and riders can be confusing
❌ Not right for everyone – depends on your goals, timeline, and other income sources
💡 Tip: An annuity can be a smart piece of a retirement income plan — but only if it fits YOUR goals. Before moving money, get a rollover review that looks at fees, risk, and income needs.
Book a call with me (408-772-5126 cell) for a free 401(K) Rollover Consultation — No Pressure, Just Clarity.
https://calendly.com/bcromwell2021/30min

08/06/2025

Why roll over an old 401K Plan from a previous employer?
When you roll over a retirement plan distribution, you generally don’t pay tax on it until you withdraw it from the new plan. By rolling over, you’re saving for your future and your money continues to grow tax-deferred.

If you don’t roll over your payment, it will be taxable (other than qualified Roth distributions and any amounts already taxed) and you may also be subject to additional tax unless you’re eligible for one of the exceptions to the 10% additional tax on early distributions. For more information book a call at: https://calendly.com/bcromwell2021/30min

07/27/2025

National Make-A-Will Month is celebrated every year in the Month of August. It's a time to raise awareness about the importance of having a Will or Estate. Don't let the Government write your Will using Probate Proceedings. Studies show that 70%–80% of Businesses and People will face a Legal Issue. https://www.shieldbenefits.com/brownleecromwell

06/27/2025

Please add this Webinar to your Calendar. This is a Webinar that you do not want to miss! We will be hosting two Live Zoom Webinars to give you more detailed information on our services and to answer any questions that you might have: ZOOM MEETING WEBINAR ADDRESS: Http://tinyurl.com/RemmelZoom

LEGAL SHIELD AND ID SHIELD OVERVIEW ZOOM MEETING WEBINAR DATES AND TIMES:

JUNE 27, 2025 (12:30PM TO 1:00PM)

AND

JUNE 28, 2025 (11:00AM TO 11:30AM)

Legal Shield and ID Shield can provide protection and peace of mind for individuals, families, and businesses. Legal Shield provides affordable access to qualified attorneys for a wide range of everyday life and business events. This membership can help you save money on services such as:

Will Preparation, HCD, POA,....ect (Annual Reviews Included)

Assistance with speeding tickets and other moving traffic violations

Legal advice and consultation on an unlimited number of personal and business legal matters

Contract and document review

Family and Business law issues

Special Group Discount Rates for Employees

And much more…

ID Shield is world-class identity theft protection that can cover an entire family. It’s no surprise that identity theft is at an all-time high, and the chances of becoming a victim are growing every day. That is why more families than ever are investing in identity theft protection.

For protection for you, your family, and your business. Visit our website for a quote and to sign up. https://www.shieldbenefits.com/brownleecromwell

Of course, please feel free to reach out to me if you have any questions about these exciting new services. As always, We appreciate your business and look forward to helping you.
408-772-5126 cell

05/25/2025

LegalShield provides affordable access to qualified attorneys for a wide range of everyday life events. This membership can help you save on services such as:
• Will preparation
• Assistance with speeding tickets and other moving traffic violations
• Legal advice and consultation on an unlimited number of personal legal matters
• Contract and document review
• Family law issues
• And much more…
Visit our website for a quote and to sign up. https://www.shieldbenefits.com/brownleecromwell

Call now to connect with business.

05/22/2025

The cost of paying for Cancer treatments can be expensive. Our Cash Benefit Cancer Policy can help you pay for some of those cost. Contact us for a complimentary quote today. [email protected], 408-772-5126 cell. You can also visit our website at: https://agent.retireco.com/agent/brownleecromwell

04/25/2025

Protection for you, your family, and your business. Visit our website for a quote and to sign up. https://www.shieldbenefits.com/brownleecromwell

04/13/2025

An Indexed Universal Life Policy is life insurance with cash value that has living benefits that you can access if you are diagnosed with a qualified illness and some people also use it as an additional source of income when they retire. Contact us for a complimentary quote at [email protected] or 408-772-5126 cell.

01/16/2025

The cost of paying for Cancer treatments can be expensive. Our Vantage Care policy can help you pay for some of those cost.
Contact me for a complimentary quote today.
[email protected], 408-772-5126 cell

12/03/2024

is a global movement focused on philanthropy and generosity, and it’s the perfect time to review your annual giving goals. Did you know that life insurance can help you leave a generous financial gift to a cause you care about? Message me to learn more.