Our financial strategies cover a wide range of needs and dreams

Your financial needs are unlike anyone else’s. That’s why we often respond to your answers with more questions. Where our strategies take you can include: a larger, more certain income during retirement, a more predictable financial future, more tax-free income, greater liquidity for unexpected issues or opportunities, or a better college education for your kids. In most cases, our plans will work for you without much change in cash flow.

The Retirement Savings Dilemma

Most people use rate of return to accumulate money while they’re working. Many of their advisors have good probability-based ideas. However, in retirement planning, using only rate of return without taking into account the altogether different withdrawal rate can provide too little income to enjoy yourself without worry every year.

Sounds scary, right? Can it be fixed? Yes – watch our video to find out how.

– Our Proven Strategies –

Reliable Tax-Free Income

Why might I be interested?

  • I don’t want to face the risk of market losses since market crashes seem to come along every 5 to 10 years
  • If the market crashes, I won’t have time to catch up at my age
  • I want my planned retirement income to be more predictable
  • I want my money to compound all my life, regardless of taxes, market crashes or the need to use some of the money occasionally
  • I don’t want to pay too much tax on my Social Security and other income in retirement
  • I don’t want to pay higher Medicare premiums than I must in retirement
  • I want to pay for college without killing the compounding interest curve just as it gets started, like with a 529 plan
  • If my kids don’t go to college or get a full scholarship, I don’t want to pay to get the money out
  • I want to pass something on to my kids without the risk of market losses or them having to pay high taxes when they get the money

 

What is it?

This is the Swiss Army knife of financial tools. It can offer you tax-free income, income protection, college funding and access to capital. You cannot lose principal and you’ll pay the lowest fees over time. You’re taken care of if everything goes right or if anything goes wrong.

When is it used?

It’s ideal for early- to mid-career professionals who want to accumulate additional money for a wide range of purposes.

Leveraged Tax-Free Income

Why might I be interested?

  • I’m tired of dealing with stock market risks and crashes
  • I haven’t saved enough for retirement
  • I spent everything on starting my business
  • I paid for college instead of retirement
  • I got divorced and am way behind in saving for retirement
  • I want to avoid paying a lot of taxes in retirement
  • I want more retirement income than I’m projected to have
  • I have resources, but I don’t know where to put them

 

 

What is it?

It uses the concepts in the tax-free income plan and increases your ability to grow retirement income an additional 60% or more than comparable vehicles. A fully funded plan requires only a 5-year commitment. Income can start after 15 years.

When is it used?

When you have sufficient income and assets to qualify and don’t need near-term liquidity on these funds. Your age can be anywhere from 18 to 65.

Lifetime Income

Why might I be interested?

  • I’m worried about not having enough money in retirement
  • I want guaranteed lifetime income, without all the market risks
  • I’d like that income for both me and my spouse, no matter who lives longer (even if it’s from an IRA or 401k)
  • I want to have income that grows with inflation instead of having to live on a fixed income
  • I’m worried about deferring the tax I’ll pay when I access retirement income
  • I want to have more money to spend than I’d get with a brokerage account, without the risk of losses
  • I want to eliminate the risk of market losses in this part of my portfolio
  • I don’t have time to catch up from market crashes that happen every 5 to 10 years
  • I don’t think I’ll qualify for life insurance, but I want similar benefits
  • I want more choices for my spouse or me when the other one passes
  • I’m worried about getting sick and not having long term care-like benefits
  • I want income that continues even after all my other money is spent

 

What is it?

It’s a plan that lets you convert an asset into guaranteed lifetime income, without annuitizing. It cannot lose principal. Once the income is started, it can rise with inflation.

The plan can also double the income for up to 5 years if needed for in-home care, assisted living or long-term care facilities.

When is it used?

It’s a great plan for people who want more income in a more predictable retirement with less risk. This works well for 401k, IRA or Roth IRA account funds that can be rolled to another company.

Early-Stage College Funding

Why might I be interested?

  • I have pre-school or elementary school children that I expect to go to college and I want to get started now
  • I don’t know what assets or types of income will count against me
  • I don’t know what college my kids will attend, but I want to be as well-prepared as possible
  • I want to understand the college process early on and to know that I’ve done as much as I can for my children
  • I want to pay my share of college without damaging my retirement
  • I’d like to know how other parents do this
  • I’d like to build a plan that gives me options if they get big scholarships or don’t go to college or we need the money for something else in the meantime

 

What is it?

It’s a big-picture review of your finances, your plans for your children and any potential problems with your current funding plan. You’ll leave with a plan that sets aside additional funds, takes full advantage of the rules, provides uninterrupted, tax-advantaged growth, and flexibility for helping your family. You’ll know how to guide your children’s thinking around college for the long-term.

When is it used?

When parents of young children want to get a head start on the daunting prospect of college for their kids.

Late-Stage College Funding

Why might I be interested?

  • I have children in middle or high school that will go to college
  • I want to get started and I know I have to act now
  • I don’t know what assets or types of income will count against me
  • Somebody said I won’t qualify for financial aid and somebody else said I would. What’s true?
  • Somebody said my business can help me do better at paying for college – How?
  • I want to pay my share of college without damaging my retirement
  • I’d like to build a plan that gives me options if they get big scholarships or don’t go to college or we need the money for something else in the meantime
  • I want to do the best I can by my children

What is it?

It’s a big-picture review of your finances, your plans for your children and any potential problems with your current funding plan. We’ll analyze your income and assets for any inefficiencies and review the most advantageous changes. You’ll leave with a plan that maximizes your potential aid received, finds the most generous colleges for your student’s focus, and minimizes damage to your retirement.

When is it used?

When parents want to know the best way to pay for college, to qualify for as much aid or scholarships as possible and to have a flexible, efficient plan to pay their share without killing their retirement.

Estate Planning Documents

Why might I be interested?

  • I don’t have a will or a trust and I know I should have one
  • I have a will or trust and haven’t looked at it for a good while
  • I realize the state has a plan for me if I don’t take care of this and I won’t have any control over how my estate is distributed
  • I want to make sure my family and friends and charities are taken care of the way I want it to happen
  • I’d rather not spend large fees on getting this done
  • I don’t really understand what all these documents are and I’d like to learn while I create them
  • I’d like for this process to be simple
  • I want a safe, central, permanent place to store my plan and documents so it’s easy for my family when I pass
  • I want to be able to make changes to my plan whenever I need to, for the rest of my life
  • I don’t want to spend a lot of time or go to a lot of meetings to get this done

What is it?

We partner with a national provider called LegacyLock to help our clients create their own estate plan and a comprehensive set of accompanying documents. It’s an inexpensive approach that takes just 90 minutes. You just follow the educational, step-by-step process to capture all of your wishes. Follow the link below for a 10-day trial offer.

When is it used?

When you’d rather get this done now than risk never doing it later or when you’d prefer to spend about one-third of the standard cost to make sure that your wishes are followed when your time on earth is done.