Innovate Financials

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Take control of your financial future.
✔️ Custom strategies to grow and protect your wealth
✔️ Retirement planning built around your life
✔️ A real opportunity to build residual income and be your own boss Alex and Liz Holland
ꜱᴇɴɪᴏʀ ᴍᴀʀᴋᴇᴛɪɴɢ ᴅɪʀᴇᴄᴛᴏʀ
ʟɪᴄᴇɴꜱᴇᴅ ꜰɪɴᴀɴᴄɪᴀʟ ᴘʀᴏꜰᴇꜱꜱɪᴏɴᴀʟ
ʟɪᴄ # 4189234

𝘩𝘵𝘵𝘱𝘴://𝘸𝘸𝘸.𝘪𝘯𝘴𝘵𝘢𝘨𝘳𝘢𝘮.𝘤𝘰𝘮/𝘪𝘯𝘯𝘰𝘷𝘢𝘵𝘦𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭𝘴
𝘩𝘵𝘵𝘱𝘴://𝘸𝘸𝘸.𝘪𝘯𝘴𝘵𝘢𝘨𝘳𝘢𝘮.𝘤𝘰𝘮/𝘪𝘯/𝘦𝘤𝘢𝘴𝘵𝘪𝘭𝘭𝘰01

Can one policy really do more than one job? 💡An Indexed Universal Life (IUL) policy can provide a death benefit while al...
09/03/2026

Can one policy really do more than one job? 💡

An Indexed Universal Life (IUL) policy can provide a death benefit while also building cash value you can access during your lifetime.

📊 That means it can support goals like retirement income, college funding, or an emergency cushion — all from one plan.

Ask us about income planning. 🤝

09/03/2026

Can you really retire with $180,000 in America? 💰

If your target retirement income is around $48,000 (80% of a $60,000 pre-retirement income), the numbers matter more than the headline balance.

📊 Transferring a portion into a guaranteed income vehicle at 62 can help stretch that balance into steady income you can't outlive.

Start planning smarter today. ✅

09/02/2026

⚠️ Here's a mistake we see too often in retirement.

Many retirees underspend early on, only withdrawing the bare minimum — then get forced into larger Required Minimum Distributions later.

That can mean bigger tax bills right when you'd rather be enjoying your money, not managing it. 📊

Let's build a strategy that supports your future. 🤝

Leaving your children money is only half the plan. 💡Without guidance, an inheritance can disappear fast — through taxes,...
09/01/2026

Leaving your children money is only half the plan. 💡

Without guidance, an inheritance can disappear fast — through taxes, poor decisions, or simply not knowing how to manage it.

🧠 Teaching your kids how to keep and grow what they receive matters just as much as what you leave behind.

Let's build a strategy that supports your future. 🤝

09/01/2026

Most couples don't realize their 401k or IRA can be turned into guaranteed income for life. 💡

A married couple, ages 62 and 60, transferred $140,000 into a Fixed Indexed Annuity and locked in $17,755 a year for life starting at 65.

📋 If one spouse needs chronic care, that income can double to $35,510 — and if one spouse passes, the survivor still receives 100% of the income for life.

Ask us about income planning. 🤝

College savings often comes before something even more important. 💡Before locking money away for tuition, it's worth ask...
08/30/2026

College savings often comes before something even more important. 💡

Before locking money away for tuition, it's worth asking: what happens to that plan if something happens to you first?

📋 Financial protection creates the foundation that makes every other goal — including college savings — actually achievable.

Ask us about income planning. 🤝

08/30/2026

Where do you actually land on the retirement wealth scale? 📊

Starting Out is under $59K a year and under $193K net worth. Building moves you into $59K-$92K a year and $193K-$659K net worth.

Comfortable sits at $92K-$153K a year, and Affluent starts at $153K-$245K a year with $1.94M+ in net worth — knowing where you are helps you plan the next move.

Let's build a strategy that supports your future. 🤝

08/29/2026

Turning 40 hits different when your finances aren't where you want them. 📋

A few moves worth making first: owning life insurance coverage outside of your job, keeping 3-6 months of expenses in cash, and considering coverage for your kids early while it's still affordable.

Understanding how your home and estate should be structured rounds it out — so nothing is left to guesswork later.

Follow for more tips on building lasting wealth. ✅

08/28/2026

Most people think life insurance only pays out when you're gone. 💡

Depending on how it's structured, a policy can build $2,200,000 in value you're able to access while you're still alive — and some are designed to pay out $150,000 a year on top of that.

It's less about "if something happens" and more about giving yourself options no matter what happens.

Ask us about income planning. 🏦

Life insurance was never really just about you. 🏦It's about the people who depend on your income — a spouse, kids, aging...
08/27/2026

Life insurance was never really just about you. 🏦

It's about the people who depend on your income — a spouse, kids, aging parents — and everything your paycheck quietly provides for them.

A death benefit can help cover the mortgage, debts, education, and daily living costs so your family isn't left figuring it out alone.

Let's build a strategy that supports your future. 🤝

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San Jose, CA

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+19256590620

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