You are invited to save money with zero market risk (tax efficient) and with full living benefits (terminal, chronic and critical illness) retirement strategy in one product and insure your retirement income for life in an hour Retirement Strategy Supercharged webinar M-Sunday, email firstname.lastname@example.org for time.
Can your current CD, mutual funds, tax-qualified retirement plans and 401k provide you with 6 added values listed below?
2. High growth potential
3. Tax-deferred growth
4. Tax-free access during your lifetime
5. An income-tax free benefit will pass to your heirs at death
6. Accept an incredibly large lump-sum of money
Reference: Patrick Kelly’s book on The Retirement Miracle, pages 86-93
While tax-qualified retirement plans allow workers to make annual deposits up to the contribution limit of the plan, they have no ability to receive a large deposit in one lump sum.
How much of the contribution limit can be carried over to the next year if it is not utilized? Tax-qualified plans work on a “use-it-or-lose-it” proposition each and every year because there is no carry-over provision.
Where can you put a lump sum of $1 Million that has any tax-advantaged growth possibilities and with zero market risk?
Only one option fits the above criteria: Indexed Universal Life (IUL) and/or perm whole life policy
The book of Patrick Kelly, The Retirement Miracle, tells us that:
•401k retirement plan is not a conservative way to save for retirement and not tax free either
•Index Universal Life Insurance (IUL) (never takes loses like the 401k did) with living benefits allowing you to receive 75-90% of the face value of your insurance without dying
•Retirement savings (in form of IUL and Indexed Annuities) with zero market risk at 8-13% return and provide living benefits
•IUL (introduced in 1995) captures each positive gain in the market (S&P500) at 13% cap and eliminate each negative year (with 0 return for that year)
•Living benefits are funds during critical, chronic or terminal illness
The following are 15 characteristics of an IUL:
3.Protection against market loss
4.Annual reset provision or policy’s growth cannot be taken away due to negative market performance
5.Upside growth potential
7.Tax-free access to cash accumulation
8.No minimum age or income requirement
9.No mandatory distribution
10.Access at any age
11.Protection from lawsuits
12.Continued investment if disabled
13.Does not create taxation of Social Security Benefits
15.Accurate Return Figures
We are currently diagnosed with fiscal cancer (Mr David Walker, former US CPA) for many reasons.
In 1945, there were 42 workers per retiree and today the ratio is 3.3 to 1. The future taxes will be so high if the government’s only source of revenue is taxation. Back in the 1940s, the top marginal tax bracket was over 90% and now it is at 35%.
If you know anyone who lost a job, started a home based business and now working more than 1 job to make ends meet, we are in a crisis.
It is our task to educate others the value of saving for retirement and to retire early.
Call Connie Dello Buono, CA Life Lic 0G60621 for your long term retirement savings with access to funds during health threats, 408-854-1883 , email@example.com
1708 Hallmark Lane, San Jose, CA 95124