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The Integrated Insurance and Securities, 1400 Old Country Road Suite 407, Westbury, NY (2026)

04/14/2020

"It's not for you. It's for them."

Yes, as there is truth behind this statement, the problem is 95% of the people I have helped set up a customized “Life Insurance “ plan have no idea how much they can benefit “For themself” not just for their families or loved ones. So many have the perception that life insurance is only there if you God forbid passed away before life expectancy, your loved ones will be left with a sum of Tax-Free money. What most don’t realize is if you do not pass away young, these plans can be one of the best sources of retirement because all the money inside the cash value of a whole life, universal life or variable life insurance grows tax-free over the life of the policy. So you essentially can kill two birds 🐦🐦 with one stone ☄️, Protection for your family or a loved one while saving for your retirement. These plans are very complex and a lot more details go into design one, let’s discuss your options on how to design a plan that suits you and your needs best.

Now more than ever should be an eye-opener to have protection. As of today, 23,649 deaths have been confirmed of the COVID-19 virus. Think about how many families will be financially affected by the loss of a partner's income they no longer have for bills and life.

04/04/2020

accelerated nonmedical no blood, no urine underwriting‼️‼️‼️

With the Scare of this pandemic due to the CORONA VIRUS COVID-19
We are seeing people of all ages pass away due to this tragic virus! I can't even imagine what the families who lost a loved one are going through. On top of losing a family member comes the burden of not having that love one's income to help support the family. Now more than ever this should be an 👀eye-opener 👀 why it's so important to have life insurance on the breadwinners of the family! Wives have lost their husbands and are stay at home mothers raising multiple children and now have zero income to pay the bills like the mortgage, cars, schools, food, etc. Please don't leave your family in this position‼️ a lot of people have the mentality that they are young and don't need life insurance now and are 100% healthy but as this taught us all at any given day any given moment that could all be taken away from you!

Please please please this will not last long mark my words this has never even happened before in the industry‼️

You can now obtain a life insurance policy without a blood test or urine test, they will just get a copy of your medical records from your Dr. And issue the policy based on medical history. This will cut the time in less than half and make it a lot easier to get approved! Take advantage of this while it let's.

Check the photo to see all the benefits you can receive and feel free to reach out to me with any questions

04/01/2020

The Integrated Insurance and Securities

DISABILITY INSURANCE

As most of America is stuck home due to the COVID-19 virus and either being Furloughed from there employer or you are a business owner and is forced to shut down as a nonessential business to reduce the spread of the virus. This is a major eye-opener of what it would be like to not receive a salary every week.

Imagine now that you God forbid became disabled due to a sickness or injury where you cannot work for a certain period of time or indefinitely. What would you do with all your bills and not having a salary coming in anymore?

Disability Insurance often called DI or disability income insurance, or income protection is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.

We have insurance on our homes, cars, jewelry, business, life, and health and all of these insurances are paid from your salary. So why not have insurance on the most important of them all your self! Without you earning your income, you can't pay for all the other insurances as well as all your bills. Now is a good time to get a disability quote and protect the most important asset of your life, your salary to survive.

Feel free to ask any questions on how these plans work

Greg Scheinberg

03/20/2020

Can't stress more how important this is

‼️TARGET DATE FUNDS‼️

LOG ON TO ALL YOUR RETIREMENT ACCOUNTS, WHAT ARE YOU FUNDED IN?
I'm sure over 90% of you are 100% invested in one target-date fund
(For example T.Row price 2050)

So what's a target-date fund ❓
A target-date fund (TDF) – also known as a lifecycle, dynamic-risk or age-based fund – is a collective investment scheme, often a mutual fund or a collective trust fund, designed to provide a simple investment solution through a portfolio whose asset allocation mix becomes more conservative as the target date (usual retirement) approaches

If you take a look at the photo of this post, it shows you how the 3 most popular target-date funds of 2025 are currently doing. With 2025 being 5 years away from your retirement the portfolio should be very conservative. Even with it being very conservative during such major losses in the market these 3 top funds are all down. So for all the people who plan on retiring over the next 5 years and are in the 2025 target-date fund, might no be able to retire even though their plan technically was supposed to protect them during times like this by being "conservative" since they are at the end of the target-date fund.

This is why everyone should be working with a financial advisor and having their retirement accounts set up and consistently reviewed instead of having 100% of your retirement account in a ”Target-date” fund.

Now more then ever is the time to review your retirement accounts and have them set up correctly.

If you have any questions feel free to reach out

#457

03/17/2020

Here is an accurate chart of all the major crashes the stock market has seen over the last 100 years.

Take a look at how long some of these crashes lasted, and how much they lost over that time frame. Some lasted a year others last more than two years.
Retirement accounts are getting absolutely destroyed right now, down as much as 20% and who knows where the bottom is?
What have you done to prevent even more damage? Does your retirement account have any guarantee to protect you during negative markets like these? Let's discuss how we can help you during these crazy and uncertain times.
The good news is the markets always rebound and come back bigger and better as history tells us, but that doesn't mean you don't have to limit the damage now.

Feel free to reach out for any advice, no cost, no fee, no obligation. I'm here to help.

03/12/2020

For all my clients who have the index universal life investment with me, here is a great example using my contract to give you a better understanding and some peace of mind.

My contact start date aka the anniversary is 07/10, since we are in March I haven't hit my 1 year anniversary to see how I will perform for the last year. As of today 03/12/2020 the S&P500 is down 16.16% I still have until 07/10/2020 to see how my final percentage number will be. If it ended today and let's say I was -16.16% remember our Investment has a 0% FLOOR so if the contract finished negative for the year we don't lose we just don't gain anything for this year. Now let's say for example if the S&P500 came back over the next 4 months and finished +2% then for the year I would make 2% on my cash value of the contract. The most important thing to realize is the 0 % floor if you don't take a major loss in your investment that's an amazing feature to have! On the contrary if the
S&P 500last year finished around 20%, so you would only receive 11.75% which is the cap on the policy. Remember the cap don't hurt you the floor is the most important to protect you especially in times of major sell-off like we are seeing this past two weeks due to the Covid-19 virus.

Now more then ever is the time to review your portfolio, if you have any questions feel free to reach out.

Good luck to everyone during these crazy sell offs

03/11/2020

Great read regarding the stock market and the S&P 500 during these crazy trading times of the Corona virus.
This is why variable annuity for people who are retired and no longer working at their former employer a great option would be to roll it over to a variable annuity with guaranteed income for life so you never have to worry about your retirement account...

03/04/2020

‼️↘️401k↘️‼️
WHAT DO WE DO IN THESE CRAZY MARKETS?

There is no correct answer, it really depends on your risk tolerance and your age.

If you're getting close to retirement you should be set up very conservative in your portfolio, and times like this maybe even park your hard-earned money in the fixed / cash portfolio in your 401k

If you're Yong, you can pretty much set it and forget it because you have so much time left before retirement and in every case staying on the course is always the best investment advice.
But these are not normal markets, due to this coronavirus the stock market is trading in ways we never have seen before. Last week the DOW Lost -1,100 points in one day. and this week gained +1,200 in one day both setting a record in the stock market history being the biggest loss and biggest gain in a single day of trading‼️ it's basically a coin flip how this can go. It can either go back up or even way lower then we all expected.
I'm here for a free consultation to review your investment goals and performance of your 401(k), 403(B), 457, IRA, annuities, Etc. Now more then ever is the time to sit down with a financial advisor to help you make the best decision with your retirement accounts.

02/25/2020

Lets discuss how your can retire tax free‼️

Understand how a properly designed life insurance policy can help you achieve this.

Indexed universal life insurance (IUL) is considered a permanent life insurance policy.

Permanent as opposed to term life insurance which is temporary.

IUL is permanent because the policy is meant to stay in force until the day you die and with proper funding, IUL will do just that.

The premiums you pay into index life insurance earn interest and grow the cash value of your policy.

This bucket of cash that grows inside your policy can be used for many things. Anything really, you choose how the funds are used. Maybe you are looking to build up a college savings fund for the kids or grandkids, or to finance your major purchases, or RETIRE.

The cash value in indexed universal life insurance can be accessed through withdrawals or tax-free loans.

In my opinion, tax-free loans or tax-free income are what have caused IUL to achieve ROCKSTAR growth. Imagine getting a paycheck each month at retirement and not having to pay income taxes to Uncle Sam.

The potential interest on these policies has recently reached around 13% and for the last 5 years, has averaged over 10% in the policy that I personally own. What is even more amazing is that you can’t lose money in your policy if the stock market loses money.

This policy is not a security and not invested directly in the stock market.

Even though we can enjoy stock market-like returns with IUL, our retirement money is not at risk!

Remember Buffet’s rule # 1? Never lose money.

So the worst-case return in a year is 0%. If the index you have chosen in your policy is negative, you get 0% – no return for that policy year. That is a pretty good deal. Especially if you look back to 2000 and 2008.

These years were not so good to investors, especially if you were looking to retire soon thereafter.

So what's the moral of this story? Here is the look back of the S&P500 Index over the last 48 years! Look how many postive years we have had and look how many negative, as I discussed above in this platform you have a 0% floor so in all the red years you don't lose money‼️ your

02/20/2020

Crazy! 30% RATE OF RETURN in 1 YEAR‼️

Question so how did all your 401k, 457, 403B, IRA or any other retirement account preform last year? I have my portfolio set up to be super aggressive as I am still young and have a lot of time left before I can retire. As you can see from the photo I was able to make 30% on my retirement account in one year! We are seeing some of the biggest returns in the entire history of the stock market! If you didn't average at least 20% last year, then you need to rethink your investment strategies and you need to take advantage of these markets while they still last. I'd love to help give you a free review to check the performance of your retirement accounts and discuss how we can maximize GROWTH! Even if you think you're set up the right way, it still can't hurt to have a professional check it's performance and the funds you invested in. The biggest mistake I see people do, they have their entire retirement account in one target-date fund. These funds usually have a name, for example, T.Row price 2055 fund. Having all your money in 1 fund is a big mistake and you need to diversify your portfolio more. Let's schedule a meeting for a free financial review‼️

02/06/2020

It's that time of the year again TAX RETURN season ‼️ so let's discuss two topics. First, what are you doing now to limit your current taxable income? Second, what are you doing with your refund money?

1st - so are you funding a traditional IRA or 401k, 457, 403 to defer your taxable income from your pay check? Or are you doing the ROTH option and funding your retirement with after-tax dollars so it grows all Tax-free? I'd love to discuss your options and what might benefit you more depending on your situation.

2nd- what do you plan on doing with the actual tax refund check? Pay off debt, book a vacation, buy a new tv? There are endless amounts of things you can do with it. A lot of my clients use this money to pay their life insurance premiums for the entire year so it's one less bill they have to pay, as well as providing the protection for their families if they God forbid passed away.

Let's discuss your retirement options and what to do with your refund money.

01/15/2020

Retirement planning 101

So what's the difference between a 401k and a ROTH IRA?

This is a quick little piece breaking down the difference between the two. The question is which is the best option for your needs. To be honest there is no right or wrong decision it's what vehicle suits you best. Obviously, if you don't work for a corporation you can't fund a 401k and if you make to much money you can't even fund an IRA. The government has so many rules and regulations regarding how you can set money aside for your retirement which is crazy if you ask me. What if I told you there possibly is an even better option to fund your retirement without all the rules the Government has regarding funding an IRA or 401k.

Also, quick tip when you see the word ROTH all that means is you are funding these accounts with after-tax dollars and all the money will grow tax-free Vs, funding a traditional and paying with before taxed money but all your money in this type of investment is tax-deferred and you will have to pay taxes on the entire account later during retirement.

So what's the best way to go? Again everyone has different needs but most of the time I always want to get my clients in Tax-free plans not tax-deferred due to the fact that we have no idea what the tax rates will be when we all retire 20,30,40 years from now.

Let's discuss your best options, if your currently investing toward your retirement great job let's make sure you're set up the correct way, and if you haven't started let's not keep pushing it off especially in times like today where the market is booming! We are seeing the best markets in the history of the stock markets.

The Integrated Insurance and Securities

04/14/2020

04/04/2020

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03/20/2020

03/17/2020

03/12/2020

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01/15/2020

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