We do not sell a solution, we provide options, with options you can always win. Retirement Income Planning
One of the most valuable planning someone can do is taking the time to understand the proper time and how to file for Social Security income benefits. Learn how to integrate your personal retirement plan with the rest of your retirement benefits. We have very powerful calculators that can p
roject what your retirement will look like. We can also answer the four toughest financial questions:
1. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy?
2. How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last till life expectancy?
3. Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle till life expectancy?
4. If you don’t do anything different than you are doing today, how much will you have to reduce your standard of living at retirement for your money to last to your life expectancy? Family Legacy Planning
Understand the value of different types of trusts and which type would benefit you most. This type of planning also includes how to efficiently transfer your estate to the next generation or charitable organization. All of the IRS’ tax credits are “use it or lose it” propositions. There is no reason to leave money on the table when it comes to saving taxes. This planning you maximize your legacy for your special loved ones, kids, charitable organizations and what is most important to you. Pensions & Tax Strategy
Qualified plans are definitely not for everyone, however it is important to understand that if you are in the top 15% of tax payers in America, you can benefit from deferring taxation in a qualified plan. We can help illustrate if a qualified plan would be of benefit to you. Learn how to take advantage of the entire tax code with a hybrid plan or stacked plans which will maximize your benefit. Personal Insurance
Explore how to get the most effective benefits while minimizing your cost and risk. We have a wide range of ancillary stand alone insurance products available from many insurance companies that we can compare side by side. Some of these products include Long Term Care, Disability, Critical Illness, and Term Life Insurance
Permanent Life Insurance
Do you know the power of multiplying dollars tax free under section 7702 of the IRS code? The IRS has set limits on how much money can be placed in a life insurance policy. The fact that the federal government cares how much money we put in permanent life insurance policies tells us that it must be a very tax advantaged financial vehicle. We design and build our client’s policies to be right at the IRS limit for maximum efficiency and we call this a cash infused life insurance contract. Learn how cash infused life insurance can outperform any safe money portfolio. This benefit can be tailored to fit individuals, key persons, directors, as well as partners and business owners. We have many clients who have implemented permanent life insurance. The story I want to share with you is my story though. The first time I used the cash value in my life insurance policy was when I eliminated credit card debt. My last 3 cars I have purchased with my policy cash value as collateral. Each time I have paid it back and my policy has continued to compound for years. I still use that policy to purchase my vehicles and investments today. Contact Us Today For Your Free Consultation
