408-854-1883 starts at $30 per hr home care

Affordable in home care | starts at $28 per hr

Don’t Just be a Genius, Be A Genius Maker

Are you a genius or a genius maker? Are you a Diminsher or a Multiplier? According to research by the Wiseman Group, “Multipliers get twice the capability from their people than Diminishers do”. If you are expected to do more with less, then you’ll want to read Multipliers by Liz Wiseman with Greg McKeown. You’ll see examples of each type of leader and practical strategies for becoming the kind of leader that gets more done with fewer resources. Consider the following descriptions:

Multiplier vs Diminisher

Talent Magnet vs Empire Builder

Liberator vs Tyrant

Challenger vs Know-It-All

Debate Maker vs Debate Limiter

Investor vs Fixer

If you’re like me, you can find examples of both types of leaders in your past and you can see yourself fitting somewhere in between these two extremes. The authors create a compelling description of both kinds of leaders that will have you asking yourself how you can improve. If you are looking for practical advice on ways to extend the capabilities of your team, pick up a copy of Multipliers: How the Best Leaders Make Everyone Smarter

Cut your drug costs

Consider an over-the-counter (OTC) drug first for these conditions.

Heartburn $225 per month
Insomia $145
Seasonal Allergies $113 per month
Migraine headaches $13.90 per month
Joint Pain $177 per month

Consult your doctor regularly. For the young, up your intake of Vit C, sleep before 10pm, cut alcohol and drugs and eat well (more on alkaline rich food). The above health issues will be prevented when we apply healthy habits while we are still young and maintain it when we are older.
My mom loves dietary supplements with calcium and magnesium, Vit D and C, turmeric, MSM, glucosamine and lemon grass for her joint pain. She also uses massage oil and homeopathic creams from Hyland.
For insomnia, there are many healing ways that one can tailor fit to suit the body’s needs. Melatonin and calcium with magnesium with Vit Bs help.

Shop around before using your insurance. Be aware of coverage changes. Take advantage of the new healthcare law. Use your insurer’s preferred pharmacy or mail-order service. Take care of your body now before any signs and symptoms occur.

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We are hiring people savvy and ambitious bayarea pros in the financial service arena to help others with long term care, retirement income, protection and more, contact Connie 408-854-1883 motherhealth@gmail.com  http://www.pfaonline.com

Plan for financial retirement should start when we are 25yrs of age

 

 

—————We are hiring:  You are all invited every Monday at 7pm at 400 Oyster Pt, South San Francisco, Ste 120. Wear formal suit. Earn an income with no glass ceiling while helping others with tax free distribution of retirement income with living benefits.

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10/25/2013 Retirement Plan Supercharged 6:30pm Dinner and  40min Presentation at Denny’s Restaurant in Milpitas, CA. Please RSVP Connie at motherhealth@gmail.com 408-854-1883

Stop eroding your retirement income from 401k fees, consumerreports.org

Among workers 18-34 years old, 56% are not saving. A 58-yr old who saved by putting aside $100 per month since 1979 lost around $100k in 401k fees. Wallmart and its brokerage, Merrill Lynch, agreed to pay $13.5 million settlement in a class action suit by failing to negotiate lower 401k fees for the plan’s mutual funds which costs the participants/employees about $60 million over 6 years.

Employee Retirement Income Security Act (ERISA), a federal law governs retirement plans.

Red Flags or Signs of a dud 401k:
• No index funds
• Fund expense ratios of 1% or more
• Delayed vesting of employer match
• Matches only in company stock
• Funds not diversified
• Low or nonexistent employer match

Mutual funds costs estimate for a $50,000 saving invested over 20 years:
• Fidelity 0.62 expense ratio, total costs $12,199
• T Rowe Price, 0.75 expense ratio, total costs $14,529

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For the self-employed, there are other options such as Roth IRA, Indexed Annuities and Index Universal Life Insurance. See books of Patrick Kelly , Tax Free Retirement and Retirement Miracle
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We are hiring in the USA, financial service pros that can serve those who can beat the fees and loses incurred in 401k with zero market risk and full living benefits for terminal, chronic or critical illness. Call Connie 408-854-1883 or motherhealth@gmail.com at http://www.pfaonline.com

 

—————We are hiring:  You are all invited every Monday at 7pm at 400 Oyster Pt, South San Francisco, Ste 120. Wear formal suit. Earn an income with no glass ceiling while helping others with tax free distribution of retirement income with living benefits.

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10/25/2013 Retirement Plan Supercharged 6:30pm Dinner and  40min Presentation at Denny’s Restaurant in Milpitas, CA. Please RSVP Connie at motherhealth@gmail.com 408-854-1883

Financial strategy to recover from market loses

keep index IUL for cash flowfinancial-plannning-types

  • Financial strategies of investing/savings
  • Recover from market loses
  • Create an estate
  • Use asset based long term care to protect you from health threats
  • Tax free retirement dubbed as supercharged Roth IRA
  • Better than your 401k and IRA, a savings plan with lifetime retirement income Tax free and Risk Free

Time: 9-10am,Monday-Sunday

Venue: webinar

Cost: Free

Please RSVP Connie Dello Buono at motherhealth@gmail.com 408-854-1883

http://www.clubalthea.com

Long term costs and quality of care

John Muir and El Camino Hospital are listed among the 300+ magnet hospitals, rated by nurses as A+ performers in health care service.
http://www.nursecredentialing.org/magnet/findamagnetfacility
Know that the quality of care is affected by how our health care service team is compensated and treated by their employers (hospital, nursing homes and residential care homes). Hospitals, nursing home or care homes must invest in their team, service and facility to provide quality care. These are the places we take our seniors for long term care. A 24/7 care team to assist in daily living is provided plus ready access to health care pros.
Long term care in nursing homes (30-60days) or residential care homes for more than 5yrs costs between $200-$400 per day for 24/7 care.   After 30days, most people with health insurance (private or government) runs out of coverage so most people are left with out-of-pocket expense. $15 to $20 per hr for caregiving support, 24/7.

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To protect yourself from out of pocket costs, some life insurance companies like National Life Group and LSW, are providing 4 in one product: life protection, disability, full living benefits (the original inventor of full living benefits) and retirement income. Call Connie 408-854-1883 motherhealth@gmail.com as we are hiring more financial service pros (to provide products with full living benefits and insure retirement income for life, with zero market risk) in the USA.

Wealth not disappearing, a positive comment from Boston MA

Even Japan, trapped by its geography, can find ways to enrich its citizen if there are political will and fairness.

Greece would not have been so dire if its citizens had not engaged in tax dodging as a pastime and its shipping industry, once synonymous to its industrial prowess, was able to skip fair taxes by law.

America is the land of plenty. While there are frauds in social programs, a well defined program like the G.I. Bill have been instrumental in creating a huge educated middle class after WWII. A few pennies from the rich who can afford to employ accountants and lawyers to set up the estate can go a long way to give children of families with lesser means a chance to be contributed member of the future society.

A nation should not be about 5 year planning, let alone just-in-time reacting. It should be generational. So, yes, in dire times, all in the current generation must contribute a little bit more. Because our children will pay dividend.

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Connie’s comment
Well said, many families tapped into the life insurance industry to leave behind a legacy, big enough to provide education and business loans for the future generation. This should be fully used by other communities, especially the minorities for the children could afford college without working at the same time and build their own business with needed start up capital.
We are currently hiring business and finance oriented people savvy Americans at pfaonline.com. Contact Connie 408-854-1883 motherhealth@gmail.com for more info.

Long-term cognitive impairment too common after critical illness

Patients treated in intensive care units across the globe are entering their medical care with no evidence of cognitive impairment but oftentimes leaving with deficits similar to those seen in patients with traumatic brain injury (TBI) or mild Alzheimer’s disease (AD) that persists for at least a year, according to a Vanderbilt study published today in the New England Journal of Medicine.

The study, led by members of Vanderbilt’s ICU Delirium and Cognitive Impairment Group, found that 74 percent of the 821 patients studied, all adults with respiratory failure, cardiogenic shock or septic shock, developed delirium while in the hospital, which the authors found is a predictor of a dementia-like brain disease even a year after discharge from the ICU.

Delirium, a form of acute brain dysfunction common during critical illness, has consistently been shown to be associated with higher mortality, but this large study of medical and surgical ICU patients demonstrates that it is associated with long-term cognitive impairment in ICU survivors as well. At three months, 40 percent of patients in the study had global cognition scores similar to patients with moderate TBI, and 26 percent scored similar to patients with AD.

Deficits occurred in both older and younger patients, irrespective of whether they had coexisting illness, and persisted to 12 months, with 34 percent and 24 percent still having scores similar to TBI and AD patients, respectively.

“As medical care is improving, patients are surviving their critical illness more often, but if they are surviving their critical illness with disabling forms of cognitive impairment then that is something that we will have to be aware of because just surviving is no longer good enough,” said lead author Pratik Pandharipande, M.D., MSCI, professor of Anesthesiology and Critical Care.

“Regardless of why you come in to an ICU, you have to know that, on the back end of your critical care, you are very likely to be suffering cognitively in ways similar to a TBI patient or an AD patient, except that most of the medical profession doesn’t even know that this is happening and few around you suspect anything, leaving most to suffer in silence,” said senior author Wes Ely, M.D., professor of Medicine.

“Delirium in critically ill, hospitalized adults is a serious yet understudied issue,” said Molly Wagster, Ph.D., chief of the Behavioral & Systems Neuroscience Branch in the National Institute on Aging, part of the NIH. “These new findings provide important evidence of the extent of the problem, the imperative for greater recognition and the pressing need for solutions.”

Ely said at least some component of this brain injury may be preventable through efforts to shorten the duration of delirium in the ICU by using careful delirium monitoring and management techniques, including earlier attempts at weaning from sedatives and mobility protocols that can save lives and reduce disability.

“Even after the patient leaves the hospital, we think that cognitive rehabilitation might be helpful to somebody like this, and we have some early preliminary data supporting this,” he said.

Source: Vanderbilt University Medical Center

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4 products in one: long term care, asset protection, retirement income with tax-free distribution and full living benefits. We are hiring in the financial service arena in the USA with full living benefits. Contact Connie 408-854-1883 motherhealth@gmail.com

Curcumin/Turmeric for health and happiness by Lisa Cool

Curcumin, found in the yellow Indian spice turmeric, has amazing health benefits, including elevating mood and combatting depressive symptoms as effectively as the prescription drug Prozac, suggests a recent study published in Phytotherapy Research.

Used as an herbal medicine and food for nearly 4,000 years, turmeric is a well-documented treatment for a wide range of disorders, inspiring researchers to dub it “the golden spice of life” in a scientific review. Indeed, over the past 25 years, more than 3,000 papers have explored the savory flavoring’s medicinal properties in lab tests, animal studies, and human trials.

A “safe and effective” herbal treatment for depression

In the new study, researchers conducted a clinical trial that included 60 patients with major depressive disorder (MDD). The patients were randomly divided into three groups, with one receiving 20 mg of fluoxetine (the generic form of Prozac) daily, another getting 500 mg of curcumin twice a day, and the third group receiving both treatments.

Neither the researchers nor the patients knew which treatment they were taking. After six weeks, the curcumin and fluoxetine groups had comparable improvements in mood, based on their score on a standard rating scale for depression that evaluates mood, feelings of guilt, suicidal ideation, insomnia, anxiety and other symptoms. While the group that received both therapies did even better, the difference in depression scores was not statistically significant.

“It is a novel and surprising application for this natural medicine,” study coauthor Dr. Ajay Goel, of the Baylor Research Institute and Charles A. Sammons Cancer Center, said in a statement. He adds curcumin was also used with “excellent results” in an animal study in which it was compared to both fluoxetine and imipramine (an older drug for depression).

Incredible Tattoos Inspired by Depression

The new study, the researchers added in the statement, “provides the first human clinical indication that curcumin may be used as an effective and safe treatment for patients with MDD without concurrent suicidal ideation or other psychotic disorders.” However, further research, including large clinical studies, is needed to rigorously evaluate if the golden spice is an effective therapy over the long term.

Patients taking antidepressants should not stop or change their treatment without consulting their healthcare provider. Also talk to your doctor before taking any type of supplement to make sure it’s appropriate for you.

Curcumin and its colorful compounds are found in many foods, including mustard, curry powder, some cereals, cheeses, butter, baked goods, sauces, and many other yellow foods. It is on the FDA’s “generally recognized as safe” list as a food ingredient.

Fights Inflammation, Gum Disease and Other Disorders

Studies also show that curcumin has anti-inflammatory and antimicrobial properties. In fact, another new clinical trial suggests that a 1 percent solution of curcumin (in water) works nearly as well as for killing mouth bacteria as a standard dental mouth rinse (0.2 percent chlorhexidine gluconate or CHX) in 23 patients with chronic periodontal (gum) disease.

The patients were randomly assigned to use curcumin or CHX, while a control group used a saltwater rinse for six months. After one month, the curcumin group showed greater reduction in such problems as bleeding gums, redness, amount of dental plaque, and other signs of gum disease. By the 6-month mark, the CHX group had slightly better results on some measures, and similar ones on others.

10 Easy Ways to Improve Your Smile

An even newer randomized study of 45 patients with the painful and debilitating bowel disorder ulcerative colitis reported that after 8 weeks, 43.4 percent of patients treated with a curcumin preparation called NCB-02 (administered as an enema) achieved remission after eight weeks, compared to only 36.4 percent of patients given a placebo treatment.

The research was published this month in the Journal of Crohn’s and Colitis, with the study authors recommending that the golden spice be investigated as a novel therapy for ulcerative colitis.

Earlier studies and trials suggest that curcumin and turmeric may also be helpful for the following problems, according to the research review cited above:
•Healing peptic ulcers, according to a clinical trial with 45 patients. After 4 weeks of treatment with turmeric capsules (300 mg each, twice a day), the ulcers disappeared in 48 percent of cases, with ulcer-free cases increasing to 76 percent after 12 weeks. Another trial found the spice to be beneficial for people suffering from indigestion or stomach or intestinal ulcers, but not as effective as antacids.
•Fighting respiratory symptoms. In some studies, turmeric oil was helpful in relieving cough, congestion, and asthma.
•Improves wound healing in animal studies.
•May reduce joint pain and inflammation from arthritis.
•Enhances heart health by lowering blood pressure and making cholesterol less likely to clump into artery-clogging plaque, in animal studies.
•Turmeric oil repels mosquitoes.

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Connie Dello Buono

Prevent vascular disease, manage inflammation, get GYV health caps to boost ATP cells performance and speedy repair of your body, email connie to get the caps and join in spreading the benefits with extra income for you at motherhealth@gmail.com and text 408-854-1883

Other tax saving ways, 10 tax breaks

The goal of every taxpayer is to make sure the Internal Revenue Service gets as little as possible. For that to happen, you need to take every tax deduction, credit or other income adjustment you can.
Here are 10 tax breaks — some for itemizers only, others that any filer can claim — that often get overlooked but could save you some tax dollars.

And yes, even though you got an extension until Oct. 15 to file your 2012 tax year Form 1040, you can still claim any of these tax deductions or credits that apply to your situation.

1. Additional charitable gifts

Everyone remembers to count the monetary gifts they make to their favorite charities. But expenses incurred while doing charitable work often aren’t counted on tax returns.

You can’t deduct the value of your time spent volunteering, but if you buy supplies for a group, the cost of that material is deductible. Similarly, if you wear a uniform in doing your good deeds, for example as a hospital volunteer or youth group leader, the costs of that apparel and any cleaning bills also can be counted as charitable donations.

So can the use of your vehicle for charitable purposes, such as delivering meals to the homebound in your community or taking the Boy Scouts or Girls Scouts troop on an outing. The IRS will let you deduct that travel at 14 cents per mile.

2. Moving expenses

Most taxpayers know they can write off many moving expenses when they relocate to take another job. But what about your first job? Yes, the IRS allows this write-off then, too. A recent college graduate who gets a first job at a distance from where he or she has been living is eligible for this tax break.

3. Job hunting costs

While college students can’t deduct the costs of hunting for that new job across the country, already-employed workers can. Costs associated with looking for a new job in your present occupation, including fees for resume preparation and employment of outplacement agencies, are deductible as long as you itemize. The one downside here is that these costs, along with other miscellaneous itemized expenses, must exceed 2 percent of your adjusted gross income before they produce any tax savings. But the phone calls, employment agency fees and resume printing costs might be enough to get you over that income threshold.

4. Military reservists’ travel expenses

Members of the military reserve forces and National Guard who travel more than 100 miles and stay overnight for the training exercises can deduct related expenses. This includes the cost of lodging and half the cost of meals. If you drive to the training, be sure to track your miles. You can deduct them on your 2012 return at 55.5 cents per mile, along with any parking or toll fees for driving your own car. You get this deduction whether or not you itemize, but you will have to fill out Form 2106.

5. Child, and more, care credit

Millions of parents claim the child and dependent care credit each year to help cover the costs of after-school day care while Mom and Dad work. But some parents overlook claiming the tax credit for child care costs during the summer. This tax break also applies to summer day camp costs. The key here is that the camp is a day-only getaway that supervises the child while the parents work. You can’t claim overnight camp costs.

Remember, too, the dual nature of the credit’s name: child and dependent. If you have an adult dependent who needs care so that you can work, those expenses can be claimed under this tax credit.

6. Mortgage refinance points

When you buy a house, you get to deduct the points paid on the loan on your tax return for that year of purchase. But if you refinance your home loan, you might be able to deduct those points, too, as long as you use refinanced mortgage proceeds to improve your principal residence.

7. Many medical costs

Taxpayers who itemize deductions know how difficult it often is to reach the 7.5 percent of adjusted gross income threshold required before you can claim any medical expenses. It might be easier to clear that earnings hurdle if you look at miscellaneous medical costs. Some of these include travel expenses to and from medical treatments, insurance premiums you pay for from already-taxed income and even alcohol- or drug-abuse treatments.

These added medical expenses will be even more valuable on your 2013 tax return. Beginning this tax year, a health care reform act provision now requires you have medical expenses of more than 10 percent of your adjusted gross income before you can deduct them.

Self-employed taxpayers who are not covered by any other employer-paid plan, for example, one carried by a spouse, can deduct 100 percent of health insurance premiums as an adjustment to income in the section at the bottom of Page 1 of Form 1040.

8. Retirement tax savings

The retirement savings contribution credit was created to give moderate- and low-income taxpayers an incentive to save. When you contribute to a retirement account, either an individual retirement account (traditional or Roth) or a workplace plan, you can get a tax savings for up to 50 percent of the first $2,000 you put into such accounts. This means you get a $1,000 tax credit, which is a tax break that directly reduces dollar for dollar any tax you owe.

9. Educational expenses

The Internal Revenue Code offers many tax-saving options for individuals who want to further their education. The tuition and fees deduction can help you take up to $4,000 off your taxable income and is available without having to itemize.

The lifetime learning credit could provide some students (or their parents) up to a $2,000 credit.

Don’t forget the American opportunity tax credit, which offers a dollar-for-dollar tax break of up to $2,500. This education tax break was created as part of the 2009 stimulus package as a short-term replacement for the Hope tax credit, and was extended through tax year 2017 as part of the American Taxpayer Relief Act of 2012, also known as the “fiscal cliff” tax bill.

10. Energy-efficient home improvements

Generous tax breaks for energy-efficient home improvements expired at the end of 2010, but some homeowners still might be able to pocket a tax credit of up to $500 on their 2012 and 2013 returns, again thanks to a provision in the fiscal cliff bill, for a few common residential energy upgrades.

The bad news is that the tax credit is just a third of what was previously available. You also now must pay attention to specific spending limits, such as $150 for high-efficiency furnaces and boilers, $300 for air conditioners and heat pumps and $200 for replacement windows. And the overall $500 tax credit cap applies to anyone who received any previous energy tax credit since Jan. 1, 2005.

But if you qualify, the tax break is a tax credit, giving you a dollar-for-dollar reduction of your tax bill. And when it comes to taxes, every dollar saved helps.

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We have a business or a franchise for you for less than $400. See you on Sat at 9:45am at 400 Oyster Point Blvd, SSF, Ste 120 as connie’s guest. Call 408-854-1883 , motherhealth@gmail.com to Win the Money or Tax game as a business owner and smart retirement income saver.

We are hiring people savvy and ambitious bayarea pros, ongoing interview 12noon and 6pm at Whole Foods patio in San Ramon, Bollinger Canyon Rd,  Mondays-Fridays, contact Connie 408-854-1883.

Retirement Strategy Supercharged

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 motherhealth@gmail.com for time.

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Can your current CD, mutual funds, tax-qualified retirement plans and 401k provide you with 6 added values listed below?
1. Safety
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:
1.Death Benefit
2.Cash accumulation
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
6.Tax-deferred growth
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
14.Avoids Probate
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 , motherhealth@gmail.com

1708 Hallmark Lane, San Jose, CA 95124

Cancer rate dropping in the USA

Image

During 2000 through 2009, death rates among men decreased for 10 of the 17 most
common cancers (lung, prostate, colon and rectum, leukemia, non-Hodgkin
lymphoma, kidney, stomach, myeloma, oral cavity and pharynx, and larynx) and
increased for melanoma of the skin and cancers of the pancreas and liver.

During the same 10-year period, death rates among women decreased for 15 of the 18 most
common cancers (lung, breast, colon and rectum, ovary, leukemia, non-Hodgkin
lymphoma, brain and other nervous system, myeloma, kidney, stomach, cervix,
bladder, esophagus, oral cavity and pharynx, and gallbladder) and increased for
cancers of the pancreas, liver, and uterus.

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Common signs of cancer: Loss of appetite, loss of weight and inability to sleep and many other undetectable signs like chronic coughing during the night, pain in back, memory lapse, eye health condition, and others. Consult with your doctor.

Breast and skin cancers: check for irregular skin signs such as itchy, redness, lump, swelling, irregular skin texture.

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We are hiring financial sales and trainers in the USA to help others receive funds, full living benefits when terminal, chronic or critical illness arise (75% to 90% of the face value of the life insurance). Call Connie 408-854-1883 ; motherhealth@gmail.com

Key points in retirement plans, min taxes from sale of your business

pre retirement plan 35yrs of ageCan your current CD, mutual funds, tax-qualified retirement plans and 401k provide you with 6 added values listed below?
1. Safety
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).

If your exit strategy in your current business is to sell in few years, you have to have this retirement strategy now to min taxes.  Call 408-854-1883 to open a retirement vehicle to allow you to save your money from the sale of your business for your retirement.
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The company I am with provides this powerful option – an IUL with full living benefits (received 75-90% of funds when terminally or chronicall ill).
We are hiring in the financial service arena all over the USA, call Connie Dello Buono, wealth strategist 408-854-1883 , motherhealth@gmail.com