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What is Retirement Life?

Thank you for your interest in Retirement Life (RL). RL is one of the best wealth building tools available today (that few people or advisors are familiar with).

Why use RL to build your wealth?

It’s quite simple. It is the one of the only wealth building tools available that allows you to grow money tax free (income and capital gains) and remove the money tax free in retirement (without income taxes).

How do most people build wealth today? They fund mutual funds and/or stocks (either in brokerage accounts or 401(k) Plan or IRA. However, the consequence of having significant amounts of money in the stock market over the last several years has been dire.

Let’s look at the statistics: 2000-2002 crash – The S&P 500 stock index lost from the highest point to the lowest point 46% of its value. 2007-2009 crash – The S&P 500 stock index lost from the highest point in October of 2007 to the lowest point in March of 2009 59% of its value.

With Retirement Life™, when the stock market goes negative, your cash account is credited with a zero rate of return (zero if your hero in down years). When the stock market increases, you capture some or all of the gains (it depends on the product and the return).

Returns over the last 20 years

Depending on which Retirement Life™ product you look at, the 20 year back tested returns (even with two huge market crashes) have averaged between 7.5-9%. Would you have been happy with a tax free return over the last 20 years of between 7.5%-9%? Most would say absolutely yes.

To learn how you can build wealth using Retirement Life™, please contact our office at [email protected] or 269-216-9978.

To view a video presentation on building wealth through a Retirement Life™ policy, please click on the video below. To download a brochure for Retirement Life™, please click here.

 

Guaranteed Returns with Income for Life

The concept of using tools to provide a guaranteed lifetime income stream is more important than ever in a time when the stock market has been down 46% (2000-2002) and 59% (2007-March 2009).

Thank you for your interest in the 7% return (accumulation value) FIA product that is coupled with a guaranteed lifetime income you can never outlive.

We understand clients are worried about running out of money in retirement and for many clients the answer to this problem will be using a Fixed Indexed Annuity with guaranteed income for life benefit.

To learn about one particular product that returns a compounded 7% for the “accumulation value”(which is more fully explained in the presentation),  please watch the video presentation below.

8% return (accumulation value) FIA product

With this unique product, your initial account balance using a $100,000 deposit would be $110,000.  In 10-years, the guaranteed account balance used to calculate your guaranteed annual lifetime income stream would be$216,387, and in 20-years the account balance for income purpose would be $425,665).

To request information on a FIA that returns 8% return (for up to 20-years) coupled with a lifetime income you can never outlive (that also has a 10% up front premium bonus), please contact us at [email protected] or 269-216-9978.

Protecting your Wealth from Stock Market

Protecting your Wealth from Stock Market Losses with Fixed Indexed Annuities (FIAs)

  • What you are about to learn will be very exciting to you. For more information and to learn how you can use FIAs to protect and grow your wealth, please contact our office at [email protected].

For readers who lost 40%+ when the stock market crashed in 2000-2002 and 40-50-60% when it crashed in 2007-March of 2009, this material will be a real eye opener.

This material covers Fixed Indexed Annuities (FIAs) and why you may want to use them as one of your protective wealth-building/retirement tools.

Why FIAs? Because they can have the following characteristics:

100% principal protection (your money will never go backwards due to negative returns in the stock market).

Positive gains in a stock index are locked in every year.

— A guaranteed rate of return (accumulation value) between 4%-8% depending on the product (this is an option on many products).

— A guaranteed income for life you can never outlive (without having to annuitize) (this is an optional rider on many products).

— A free long-term care benefit

Does a wealth-building tool with the above-mentioned characteristics interest you?

If you would like to learn more about this powerful wealth-building tool, please click here or on the picture below to view a voiced-over PowerPoint Presentation.

FIAs

Why don’t you know about this product?

What might interest you is that many Broker Dealers (the entity who securities licensed advisors sell their stock and mutual funds through) forbid the advisors from selling or discussing FIAs with clients.

-What’s worse is that most of these same advisors who are forbidden from selling FIAs do NOT disclose that to the clients or potential clients they are supposedly helping build wealth.

We believe that FIAs can play a vital role for people looking to grow wealth in a secure manner (meaning they can sleep better at night knowing their money will never go backwards.

Guaranteed Returns Coupled with a Guaranteed Income For Life

How would you like to receive a 7%-8% guaranteed rate of return (accumulation value) coupled with aguaranteed income for life you can never outlive? If such a wealth-building tool existed, would you want to know about it? We think most people would like to know, and so we have loaded on this website a voiced over PowerPoint presentation put together by one of the true experts in the financial services field.

To view/listen to the presentation, please click here or on the picture below.GIB7

For more information and to learn how you can use FIAs to protect and grow your wealth, please contact our office at [email protected].

What is Asset Protection?

What is asset protection?

Most asset protection “gurus” believe asset protection revolves around helping clients who have money protect that money from your “typical” creditor from a negligence suit. A few examples of a typical creditor are: someone injured from someone negligently driving a car, a patient who sues a physician for malpractice, or someone who slips and falls on property and sues the owner.Asset-Production

While it is true that clients with money do need to protect themselves from the “typical” creditor, there are many other creditors out there clients need to be protected from.

Asset protection can be done domestically or offshore. Domestic asset protection revolves around the use of LLCs and FLPs. To learn more about these asset-protection tools, click here.

  • To read a summary on offshore asset protection, please click here.
  • Who are other common creditors clients don’t think of as a “typical” creditor?

— The IRS and state government (if you have a state income tax). The IRS is everyone’s number one guaranteed creditor every year. Every year high-income clients pay taxes to this creditor. Would you like to pay $15,000, $50,000, 100,000+ less in income taxes this year? Absolutely. That’s what our firm may be able to help you accomplish.

The stock market. You know this is the case if you had money invested from 2000-2002 when the stock market lost nearly 40% of its value and again when the stock market crashed between 2007 and March of 2009 when it lost 59% of its value. Think about it, did you lose money from 2000-2002 and again in 2007-2009? Absolutely. Would you like to position your money in wealth-building tools with good potential for growth and still principally protect all or the majority of your money? Would you like to earn a 7%-8% guaranteed rate of return (accumulation value) over a 10-20 year period coupled with a guaranteed lifetime income you can never outlive? If so, you’ll want to click here to learn more (including viewing a voiced-over educational PowerPoint presentation) or simply contact our firm at [email protected].

Estate taxes. Clients with wealth all worry about the estate taxes that will be paid upon their death. Few advisors truly know “advanced” estate planning and ways to mitigate estate taxes. Our firm specializes in helping clients reduce their estate taxes through supercharged gifting strategies, charitable planning, and many more tools that are not well known by the “average” advisor. To learn more about estate planning tools you can use to mitigate or avoid estate taxes, please click here.

Long-term care (LTC) expenses. The number one guaranteed creditor of clients over the age of 65 is LTC expenses (drug costs, home health care, nursing home, surgeries, etc.). It is vitally important for clients to protect themselves from this guaranteed expense. Most clients do not like the idea of paying LTC insurance expense because it is seen as a waste of money if you don’t use it. Our firm specializes in using products to build your wealth such as FIAs and single premium life policies that have their own unique wealth building or transfer features that include a LTC benefit. To learn more about how to protect your estate from LTC expenses, please click here.

To view a brief video presentation on asset protection, please see the video below.