Life insurance helps you to protect your family’s most valuable asset, your ability to produce income. Over the course of your lifetime, you will likely produce millions of dollars, in income, which, will be used to fund your family’s standard-of-living with: vehicles, homes, small businesses, vacations, college educations, weddings, retirement and etc…
Depending on the type, life insurance can accumulate cash-value, while, providing protection. Before choosing life insurance, we recommend that you assess your current financial needs, identify your financial goals, and create a plan to close the gap between where you are and where you want to be, as effectively and tax-efficiently, as possible!
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Life insurance coverage that extends for a term of 10, 20, or 30 years, according to the face-value of the policy and may be converted to whole life, prior to the expiration of the contract. At the end of the term, the contract expires and the coverage terminates. The cost is factored by age, gender, health, and the amount and duration of coverage. Premiums are due monthly, quarterly, or annually.
Life insurance coverage that extends for a lifetime, while, accumulating cash and yielding dividends, along the way. The cost is factored by age, gender, health, and riders added to the policy to customize the coverage. Premiums are level and due monthly, quarterly, or annually and may be paid-up in a single premium. Policyholders are entitled to leverage the tax-advantages of the living benefits, too!
Annuities help you and your loved ones, to continue living your lifestyle, that you have worked hard, to attain, while, in retirement. Traditional financial advisors, have commonly, advised their clients, to plan on retiring, with only 60% of their pre-retirement income. Fortunately, for you, we don’t agree. We help clients plan for retirement by teaching how to increase their lifestyle, while, in retirement, with multiple streams of guaranteed income-for-life.
Annuities allow you to plan for retirement with certainty, confidence, and peace-of-mind. Before you choose an annuity, we recommend that you assess your current quality of life, identify your desired quality of life, and create a plan to close the gap between where you are and where you want to be, as efficiently and effectively, as possible!
For help with creating your plan… click the button below!
Fixed annuities yield a guaranteed fixed rate-of-return keeping pace with or outperforming the current rate-of-inflation, unlike, all other fixed-rate accounts. In addition, the principal accrues compounding interest, on a tax-deferred basis. Income may be distributed, immediately, or deferred for a future distribution.
Indexed annuities yield a rate-of-return based on the market index that it mirrors. Although, returns fluctuate, they are guaranteed to never loose principal. In addition, the principal accrues compounding interest, on a tax-deferred basis. Income, may only be distributed on a deferred basis, for a future distribution.