Lopez and Associates

01/07/2023

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02/23/2021

Insurance is more than final expenses to rely on after losing a loved one.🧐

Term insurance should be used to cover final expenses AND to help families build financial legacies.👊🏽

How about using a 'Return of Premium' policy to help you pay off or accelerate paydown on a mortgage?🏠

Lastly, with properly structured IULs, YoU can build pension-like income that's Tax-free, earn tax free interest tied to the stock market, but NOT invested IN the Market, so that you have ONLY gainz, and no losses (unlike your 403b or 401k). In addition, IUL's are used to provide LIVING benefits when qualifying medical issues arise.👏🏼

Want your grandchildren to benefit from a trust fund? It can All start with a good insurance game plan. Let's chat👥

https://calendly.com/beetheace

Lifehack financial tip: Pay yourself 1st, before you pay bills and creditors..Those will not provide for you when sick or retired, right?

Whatever your wage is: take 4-5 hours of work, essentially by Monday at noon, and set that up for YOUR future. Learn to live and thrive on the rest. If you know math, that's about 10%. Mon-Fri equals 100%. 1/2 of Monday is 10%..Got it, say got it, Coach!

12/12/2020

Help people get out of being a slave to the at large. James Altucher advises : Don't pay your debt off, keep your money, fund your future, they can wait it out and sell your for pennies on the dollar and get a tax writeoff. Basically, your debt gets sold to that make 300% return or more. Don't feel guilty, just get FREE!! Or stay sideways; your call!

bit.ly/paydowndebt

Edited: I think I meant to Note this back then --shame on me and on any who gets a family into a house & doesn't tell them about

That's a proven method to get out of that sh*tty a^* Debt called a mortgage--A 30 year amortized loan at 3-5% is ALWAYS going to be more evil than a credit card at 25%. Go research the concept🔥🔥

You can pay off a $300,000 mortgage in 10😮 years😮 with NO EXTRA money towards the using a 25% APR credit card💯🤪 and shuffling the money around!💪🏽

08/31/2020

What's your Plan?

*Did you know a dynasty trust is one of the main ways the rich keep getting richer ? Poor people generally have no life insurance and leave nothing behind for all those years of hard work and toil.

Let's change the generational poverty curse--Did you know it's actually more affordable than the family eating at Chic-Fil-A twice a month?

I recommend a trust be set up to instruct the beneficiaries to purchase more insurance with 5-10% of your life insurance proceeds, rollover about 50-60% into safe, protected annuities for Family wealth preservation, and perhaps use 15-20% for the loved ones to buy property or a cash flow producing asset. Finally designate 10% to your faith, cause, or charity you support.--WHY NOT ??

Note: you CAN NOT accomplish the above If you need a GoFundMe or if you Only have enough coverage to put you in a box and pay for final death expenses. Do you want the best for your family only if you are around? Tough, e$$ential question.

Let’s chat:
calendly.com/beetheace

Welcome to my scheduling page. Please follow the instructions to add an event to my calendar.

08/31/2020

Question #11:
Have I made sure I've told everyone who is important to me how much they mean to me?

08/31/2020

Question #10:
Have I had a discussion with person/people I have chosen as the guardian(s) for my minor children?
Have I discussed with them my wishes for raising my children (education/religion) and the responsibilities and legal ramifications involved so they can make an informed decision, not an obligatory one, as to whether or not to accept the role?
Have I specifically asked them If they Will accept the role?

08/31/2020

Question #9:
Have I added my partner's name to All household bill/utility accounts, so he/she is authorized to deal with the company contacts WITHOUT having to provide a death certificate?

08/31/2020

Question #8:
Do I know that when someone dies, it's a legal matter? Have I made sure everything is neatly documented and that I've put all of this information in a safe and easily accessible place where my loved ones and the executor of my estate know how to easily retrieve them?

08/31/2020

Question #7:
Have I made sure the appropriate people know about the Will and where it's located?

08/31/2020

Question #6:
Do I have an up-to-date will in place, drawn up by a lawyer? (living will and final will) *Companies like Legal Shield provide this Free with a very affordable membership assisting in legal matters.

08/31/2020

Question #5:
Have I made sure the correct beneficiary designations are on all of my life insurance policies, group life insurance policies, etc.?

08/31/2020

Question #4:
Have I made sure there will be sufficient life insurance proceeds payable to my loved ones so that while they're experiencing the emotional, mental, physical, and spiritual turmoil my death will cause them, they won't have to cope with ANY financial hardships my death might otherwise cause? (8-10 times your annual income)