No Market Risk Plans * > Fixed - Indexed Annuities*
Safe haven for qualified or non-qualified money you no longer want to expose to market risk.
The annuity links the growth of your monies to a major index. This is an attractive option for IRA & 401k rollovers.
This strategy can provide a Guaranteed Lifetime Income neither you nor your spouse can outlive.
Be sure and ask me to share with you some of my existing clients real time results.
Wealth Transfer Plans * > "Permanent Term" Life Insurance
This is done with lowest cash outlay required to guarantee your death benefit until you exit this earth,
while providing you with an (attractive alternative) to paying for a separate Long Term Care Policy.
I personally own a guaranteed death benefit life insurance policy very similar to Permanent Term.
Tax Efficient Plans > Maximum IRS Funding of Index Cash Value Life Policy
We will compare this strategy to the taxable distribution from your 401k or IRA. Maximum IRS allowable over funding each and every year until you start taking income in your retirement years that is non-taxable & non reportable under
current tax law. This is all about moving some of your wealth from the taxable world into the non taxable world. Public television host and Certified Public Accountant Ed Slott says "life insurance is the only place left to hide
and grow your wealth away from the reach of your Uncle Sam". The long term cost for this strategy is a bargain if you qualify.
Term Life Insurance > Favorable Conversion Features Should Be Included
Simple & affordable income replacement for your family. This coverage can also be purchased with Return of Premium.
It's also important to understand - what - when - how - & why your Conversion Options can become valuable to you, your wife, children and even your grandchildren. This can reserve your rights to do other strategies later in life.
* Wealth Transfer Planning
* The life insurance I own has a Chronic Illness Rider. This is not Long Term Care¹ Insurance, nor is it a replacement for a Long Term Care¹ Policy.
However, it is my chosen alternative to the purchase of a stand alone Long Term Care policy.
I do not provide legal or tax advice and I recommend you obtain appropriate counsel for your personal situation.
* No Market Risk Planning
* Fixed Indexed Annuities are not a direct investment in the stock market.
They are long term insurance products with guarantees backed by the issuing company.
They provide the potential for interest to be credited based in part on the performance of specific indices,
without the risk of loss of premium due to market downturns or fluctuation.
Although Fixed Index Annuities guarantee no loss of premium due to market downturns, deductions from the
Accumulation Value for additional optional benefit riders could under certain scenarios exceed interest credited
to the Accumulation Value, which would result in loss of premium.
They may not be appropriate for all clients.