Sara B & Associates

05/29/2026

What Happens to Your 401(k) When You Leave a Job?

🚨 One of the biggest financial mistakes people make is leaving a job and forgetting about their 401(k).

Many people assume their retirement account will just keep growing on its own.

While that's possible, there are a few things you should know:
✅ Your money is still yours. You do not lose the money you've vested in your 401(k).
❌ But your former employer is no longer contributing.
❌ You may be paying higher fees than you realize.
❌ Your investment options remain limited to whatever choices were offered through your old employer's plan.
❌ If you have multiple old 401(k)s scattered across different employers, it becomes harder to manage your retirement strategy.

When you leave a job, you typically have several options:
🔹 Leave the money where it is (if the plan allows it)
🔹 Roll it into your new employer's 401(k)
🔹 Roll it into an IRA, which may provide more investment choices and greater control
🔹 In some situations, explore other retirement strategies that align with your long-term goals

⚠️ What you DON'T want to do is cash it out. Early withdrawals can trigger taxes and penalties, potentially costing you thousands of dollars and reducing your future retirement income.

I've met people who changed jobs multiple times and had no idea where some of their retirement accounts even were.

If you've changed jobs in the last few years, now might be a good time to locate your old retirement accounts and make sure they're still working for you—not just sitting there.

💬 Have you ever left a 401(k) behind at a previous employer? Did you move it, or is it still there?

12/11/2025

🎉 Please join us in welcoming our newest Featured Listing with Christians In Business! 🎉

We are thrilled to highlight Royal Identity Printing & Promos, owned by the faithful and God-centered entrepreneur Jessi Johnson. Jessi is known for giving God all the glory, not only through his business, but in every aspect of his life. His walk, work ethic, and leadership are a beautiful reflection of Christ in the marketplace. 🙌✨

Royal Identity Printing & Promos is your one-stop design, printing, and promotional products solution, providing affordable, high-quality services for entrepreneurs, churches, businesses, ministries, and organizations looking to make a lasting impact. From custom apparel and embroidered hats to banners, business cards, signage, graphic design, web design, and more than 100,000 promotional product options, Jessi delivers excellence with a Kingdom purpose. 💼🎨🔥

👉 Check out Royal Identity Printing and Promos listing here:
📌 https://christiansinbusiness.com/business/72909/royal-identity-printing-promos

Not only is Jessi a dedicated business owner, he is a powerful man of God whose heart for the Lord shines through everything he puts his hands to. We are excited to partner with Royal Identity Printing & Promos and blessed to walk alongside Jessi in marketplace ministry. 🤝✝️

10/20/2025

💣 Myth-Busting Monday: “IULs Are a Scam”

Let’s get real.
Every time someone mentions an Indexed Universal Life (IUL) policy, the internet seems to explode with opinions —

💬 “They’re a scam.”
💬 “They never perform.”
💬 “My cousin’s friend lost everything.”

So what’s the truth?
➡️ It’s not the product that’s broken — it’s how it’s built and sold.

🚨 Here’s the Problem:

Too many agents design IULs to maximize their own commissions, not your benefits.
They pack in a big death benefit (which drives up your costs), show inflated “tax-free retirement” illustrations, and call it wealth-building.

That’s like filling a gas tank full of holes and promising you a road trip to Hawaii. 🌴
It’s not going to end well.

💡 The Truth:

A properly structured IUL can actually be a powerful financial tool when:
✅ It’s max-funded (you put in as much as the IRS allows without making it taxable)
✅ It’s built with the minimum death benefit (so more of your money goes to cash value, not cost of insurance)
✅ It’s monitored yearly to adjust for market and cap changes

When done right, it can:

Grow money linked to market performance (without market loss)

Give you tax-advantaged access through policy loans

Provide permanent protection for your loved ones

It’s not magic — it’s math + integrity.

🧠 Why Some People Bash IULs

1️⃣ They’ve only seen badly designed ones.
2️⃣ They don’t understand the mechanics.
3️⃣ They make money selling something else.

But when an IUL is built by a transparent agent who prioritizes you over commission, it becomes a flexible, tax-efficient wealth tool that can outlast the noise.

🙌 At Sara B & Associates

We don’t sell hype. We teach truth.
We design Max-Funded IULs that focus on performance, protection, and peace of mind — not pressure.

If you’ve been told IULs “don’t work,” let’s review your policy together. You might be surprised by what’s possible when the design actually favors you.

💬 Comment “MythBuster” or send a message if you’d like a simple breakdown of how a properly structured IUL can fit into your financial strategy.

10/19/2025

💡 "IULs Aren’t Bad🤔
They’re Just Badly Built."

🚨 Let’s talk about one of the most misunderstood financial tools out there: the Indexed Universal Life (IUL) policy.

Some agents hype them up like miracle money machines…
Others slam them like they’re scams.
So, what’s the truth? 🤔

---

🌱 The Truth About IULs

An IUL isn’t an investment, it’s a life insurance contract with a savings component.
When designed properly, it can help you:
✅ Grow your money with market-linked returns (without risking loss)
✅ Access cash tax-free later in life
✅ Protect your family with permanent coverage
✅ Enjoy flexibility in how you fund it

Sounds great, right? It is, but ONLY if it’s structured the right way.

---

💥 Here’s Where It Goes Wrong

Too many agents design IULs to maximize their commissions, not your benefits.
They load it up with a high death benefit, which makes your premiums expensive and your growth slow.
Then they pitch it as a “retirement plan.”
When the market dips or fees rise… 💣 boom, the policy collapses.

That’s why you’ll hear critics say, “IULs don’t work.”
They’re not wrong, they’ve just seen badly designed ones.

---

💎 The Secret Is a Max-Funded IUL

A Max-Funded IUL flips the script:
Instead of paying for more insurance, we minimize the death benefit and pack your cash value.
That’s how your money actually grows.

It’s like choosing to fill your car with premium gas instead of paying for a bigger hood ornament 🚗💨

Done right, a Max-Funded IUL can:

Provide long-term tax-advantaged growth

Offer tax-free retirement income through policy loans

Build legacy wealth that passes on income-tax free

---

🙌 Designed by Integrity, Not Commission

At Sara B & Associates, we design IULs the right way!
✅ Structured for you, not the agent
✅ Stress-tested for long-term performance
✅ Reviewed annually for sustainability

No hype. No hidden fees. Just transparent, strategic financial design that works for your goals.

---

🗝️ Bottom Line:

An IUL is like a tool...in the wrong hands, it can hurt you.
In the right hands, it can help you build lasting, tax-efficient wealth.

If you’ve been curious about “tax-free retirement” or “infinite banking,”
let’s talk about how to do it the smart, sustainable way with integrity at the core.

💬 Message me “MAXFUNDED” and I’ll walk you through a sample illustration so you can see how the math really works.

09/25/2025

Very important reminders! We work hard, we budget, set savings goals, purchase coverage for all the things but forget t insure the thing that makes the $$$. If you don't have adequate life insurance in place we need to talk. September is LIAM or Life Insurance Awareness month 💛

🔄 LIFE HAPPENS. IS YOUR COVERAGE KEEPING UP?

Life insurance isn't a "set it and forget it" decision. Major life changes often mean your coverage needs have changed too. Here are 5 key moments when you should review your policy:

1. 💍 GETTING MARRIED OR PARTNERED
Your spouse now depends on your income. Consider coverage to replace lost income, pay off shared debts, and maintain their lifestyle. Many couples also bundle policies for better rates.

2. 🏠 BUYING YOUR FIRST HOME
That mortgage doesn't disappear if you do. Life insurance can ensure your family keeps the house by covering the outstanding mortgage balance plus ongoing expenses.

3. 👶 WELCOMING A NEW BABY
Children are expensive - about $233,000 to raise one to age 18. Your coverage should account for childcare, education costs, and replacing the income needed to support your growing family.

4. 📈 GETTING PROMOTED OR CHANGING JOBS
Higher income often means higher expenses and lifestyle inflation. Your family has adapted to this new standard of living - make sure your coverage reflects what they'd actually need.

5. 🚀 STARTING A BUSINESS
Entrepreneurs face unique risks. You might need coverage for business loans, key person insurance, or to provide stability for your family during the unpredictable early years.

❓ When did you last review your coverage?
DM us or call 703-608-1203 for your free 15-minute policy review.

09/24/2025

What an amazing night! 🍇🍷

The wine and rich history of Georgia were absolutely spectacular, but the real magic happened in the conversations about money.

We went deep. We got raw. We got real.

As a speaker, educator, and former therapist, it’s an honor when people open up and allow themselves to be vulnerable. Together, we’re breaking developmental, generational, and societal curses around money, mindset, and worth.

Let’s keep normalizing these conversations so we can bring financial security and peace of mind to our families and communities.

You'll find 'Cheers' in Kartuli in the comments. Here's to wisdom, wealth, and the courage to rewrite our financial stories. 🥂

09/23/2025

🚨IT’S HAPPENING TONIGHT! 🚨

Tampa friends — Wisdom, Wealth & Wine is finally here! 🍷✨

If you’ve been waiting for the perfect night to grow your money mindset AND sip world-class Georgian wines… this is it. 💡🍇

Here’s what you’ll get:
✅ Financial Psychology Secrets – Learn how to master your money mindset
✅ Exclusive Georgian Wine Tasting – The oldest wine culture on the planet, right here in Tampa!
✅ Networking With Amazing People – Meet, connect, and grow with like-minded friends

🎯 TONIGHT at 6:00 PM
📍 1717 S 50th Street, Tampa, FL
🎟 A few spots left! Grab yours now: https://www.eventbrite.com/e/wisdom-wealth-wine-financial-psychology-paired-with-georgian-wine-tickets-1653311833199?aff=ebdsshsms&utm_share_source=listing_android

⚡ Don’t sit this one out. The doors close soon, and this event won’t repeat anytime soon.

09/22/2025

Tomorrow’s the big night! 🍷💰
We can’t wait to welcome you to Wisdom, Wealth & Wine—where money meets mindset and Georgian wine.

⏰ Doors open at 6 PM – 1717 S 50th St, Tampa
🎟 Last chance to RSVP:
https://www.eventbrite.com/e/wisdom-wealth-wine-financial-psychology-paired-with-georgian-wine-tickets-1653311833199?aff=ebdsshsms&utm_share_source=listing_android

09/20/2025

Did you know Georgian wine has been crafted for 8,000 years using ancient clay vessels called qvevri? 🍇✨

Sip this history while learning how to rewrite your financial future at Wisdom, Wealth & Wine.

📅 Sept 23 | 6 PM | Tampa, FL
🎟️ Reserve your spot today:
https://www.eventbrite.com/e/wisdom-wealth-wine-financial-psychology-paired-with-georgian-wine-tickets-1653311833199?aff=ebdsshsms&utm_share_source=listing_android