Our Services
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Retirement Income Planning
Get StartedRetirement income planning provides clients with a retirement plan customized to their specific needs, desires, and circumstances. This may incorporate a wide variety of strategies and financial tools depending on the situation and objectives.
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Tax Free Income
Get StartedThis is pretty self-explanatory. It is simply income coming from a source where no taxes will ever be due. Unfortunately, there are very few places to find this sort of income. A significant issue here is that many times people do not realize how much or their future retirement income is not going to be “tax free”. Generally, most all forms of pension income are fully taxable, and that tax will be at whatever the tax rates are at that time in the future.
Diversification
In finance, diversification is the process of allocating capital in a way that reduces the exposure to risk. Generally, diversification is achieved by investing in a variety of significantly different assets. This is like another old adage “ don’t put all of your eggs in one basket”
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Small Business Pension Plan
Get StartedA pension plan is a retirement plan that is set up by an employer. Generally, these plans require an employer to make contributions on behalf of the employees for the worker’s future retirement. The employees often make contributions as well. All contributions grow tax deferred until finally taken out as retirement income.
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Financial Safety Net
Get StartedA financial safety net is not just one savings account or insurance policy. Rather, it is usually those types of things along with other measures to help reduce risk. The overall plan is normally to protect a client and his family, or others, from the possibility of something unforeseen derailing their financial plans!
Leverage
Leverage is an investment strategy where you use borrowed money to increase the potential return. This is basically taking advantage of the old adage of “ using other people’s money”! If properly used this can indeed greatly increase the net return on an investment.
Some of Our Tools
Introducing the Kai-Zen Plan
Using Leverage
Kai-Zen is a financial strategy using “ leverage” in a very beneficial way. The Japanese phrase here simply means “change for the better”. This very unique process involves using a special banking arrangement and a specially designed cash accumulation life insurance policy to accommodate the added cash values that are generated.
Tax Free Growth
The leverage element provides from 60% to 100% more retirement income than might otherwise be available for the same investment!! When set up properly, this vehicle provides tax free growth, safety for the invested funds, tax free disbursements, as well as added financial protection for your family or other beneficiaries, should you not make it to retirement!
Please listen to what some actual clients have said about this Program!
Top Benefit of Indexed Annuities
Principal Protection
Fixed-income security that guarantees a minimum return equal to the investor's initial investment (the principal amount), regardless of the performance of the underlying assets.
Tax Deferral
Refers to instances where a taxpayer can delay paying taxes to some future period. In theory, the net taxes paid should be the same. Taxes can sometimes be deferred indefinitely, or may be taxed at a lower rate in the future, particularly for deferral of income taxes.
Growth Opportunities
Investment earnings are tied to a stock market index. The movement of this index each year determines the interest rate that will be credited in the account. This rate of return goes up or down with the market, or more accurately with the chosen index. However, it is important to know that the crediting rate will never be negative regardless of the possible downward movement of the index. Funds held in an indexed annuity are protected from losses because they are not actually invested in the market.
Guaranteed Income
An income annuity is not an investment that provides you with a rate of return over a fixed period of time, like a CD. Rather, it's an income product that provides you with fixed monthly income that is guaranteed for life—no matter how long you live—and no matter how the markets perform.
Still Wondering if Annuities Are For You?
Let's Get Started
Whatever your financial questions, concerns, or objectives may be we are here to help! As independent agents and advisors with a fiduciary responsibility to every client and not to any particular financial institution, we carefully research dozens of financial service companies to seek out the best alternatives for each client’s circumstances. This is the process regardless of if a client has a nest egg that they need to convert to a retirement income stream, or they still need to create that nest egg, or maybe some years have slipped past they need to play catch up in funding the nest egg, or they just need a place for their money to grow.
We would welcome an opportunity to discuss your financial questions and goals with you. There is no cost or obligation for such a discussion or meeting.
Please contact us.
We look forward to helping you find that “peace of mind".