Metal toxins and MTHFR gene mutations

Heavy metals can be found everywhere in our environment. They become problematic for people when they accumulate at high concentrations in the human body. Unfortunately some people have a genetic predisposition to toxicity from heavy metals. As with other toxins, people with unaddressed MTHFR mutations have trouble clearing metals from their systems. This can lead to behavioral, structural and functional abnormalities in the human body depending on which metals have built up.

The most common metals are aluminum, antimony (found in flame retardant materials), arsenic (found in chicken and the water supply), beryllium, bismuth, cadmium, lead (found in paint), mercury, nickel, platinum, thallium, thorium, tin, tungsten and uranium. Unfortunately it is next to impossible to avoid many of these in the environment. Even if you are not exposed to industrial areas, you can still pick up metals in your drinking water, from vaccinations, tattoo ink, mercury amalgam fillings, pre-1978 houses, cigarette smoke (including secondhand smoke) and contaminated food sources.

Symptoms of chronic toxic metal exposure can be subtle, often overlapping with those of other illnesses. Fatigue, digestive issues, joint pain, depression, blood sugar issues and female reproductive problems can all be caused by heavy metals. According to Dr. Kendal Stewart, metals are not water soluble and therefore can’t be regulated. They compete with other minerals that we need. In a normal person, the body acts as its own chelator by utilizing its own glutathione. Cysteine-rich proteins bind to the heavy metals and keep them out of the fat cells where they like to congregate, helping the person to eliminate them. Unfortunately people with methylation gene defects can’t excrete metals due to impaired cysteine metabolism and reduced glutathione. These people can’t properly regulate good minerals either.

Testing for heavy metals can be tricky as they like to hide in tissues. Blood tests are woefully inaccurate so an advised approach is to test via a combination of methods such as hair, feces and urine (see the link for pros and cons of each type of test). If you have a heavy metal burden it is important to work with an experienced practitioner to clear your system. Ideally this will include a complete assessment of the bodily pathways that are dysfunctional and a correction so that the build-up does not continue to happen. Chelation must be done carefully because, as Dr. Stewart explains, chelation can block hormones, other minerals and disrupt other processes in the body. It must be balanced without overwhelming the body. Chelation also presents opportunities for infections like yeast and viruses. The form of treatment must be appropriate to other issues the patient is experiencing.

Dr. Mercola provides a number of tips for reducing your body’s heavy metal burden. Unfortunately for those with MTHFR, avoidance may not be enough. You have to work actively to improve your methylation and detoxification processes.

Detox your lungs from air pollution and metal toxins and for early lung cancer

Neck pain and MTHFR gene , folate , methionine

Email motherhealth@gmail.com for exome or complete DNA sequence test.

Indexed Annuity contributions are part of the distribution process in retirement

Index Annuities Gains

In 2008, the SP500 lost about 40% of its value.  Investors in indexed annuities did not lose a cent which took nearly 4 years for the SP500 to get back to 2007 levels.

For individuals who were retiring in 2008, or had tax qualified accounts in an Indexed annuity and passed away, that was a great deal.   Some use an indexed annuity as the “safe” portion of a portfolio as an asset class

Fees

Most indexed annuities have “$0” fees and $0 admin and maint. fees. An estimated 95% of indexed annuities have zero fees associated with their policies unless you add a specific rider for income or death benefit guarantees.  That commission is paid to the agent from the company, it doesn’t come out of the clients portfolio.

Many agents take their commission over a 5 year period, meaning that their commission is <1% annually, which is less than most brokerage account manager’s charge.

Surrender charges

State regulators limit the surrender charges. The highest surrender charge that I can find is 14% in year one (two financial companies), and that is only available in a few states.   Surrender charges in annuities function very similar to Bank CD surrender charges.  If you pull the investment before maturity, you will pay a penalty.   That is why it is called a “contract”.

There is built in liquidity that every policy has by state law.  Usually this amount is 10% annually, and some companies allow that 10% to aggregate (i.e.  if you don’t pull funds for 5 years, you can pull up to 50% of the contract in one withdraw without penalty).

 Taxes

Taxes are the same as any 401k, IRA, or qualified plan (the same thing that the author recommends in the final section).   Suitability practices over the past five to ten years or so have increased substantially to prevent mis-representation by agents or the companies.

 Personalized client investment goals

Not every client is trying to maximize return, some simply want the guarantee that they won’t lose any of their principal, their taxes are deferred, and don’t mind if it’s in a 5- 10 year contract with minimum guarantees.   There are very few annuities that have flexible premiums and allow annual contributions, most are single premium rollovers.   Putting money into an indexed annuity or an ongoing contribution strategies are part of the “Accumulation” process leading to retirement.

Email Connie at motherhealth@gmail.com or conniedbuono@gmail.com to have a chat with a sr investment advisor to help you reduce your income taxes and protect your cash flow. 408-854-1883

Asset Protection Iron Triangle by Charles Lamm

Asset protection is not just for the wealthy any longer. When a middle class home can easily run a half million dollars in Florida or another state, and over a million in California or other state, anyone can become a target of lawsuits, divorce courts, and the IRS.  You have to dig a well before you are thirsty, or in this case, build a legal fortress before invading barbarians reach your gate.

Your tools to protect your assets are:

  • “no asset” C corporation
  • Limited liability company (LLC)
  • Beneficiary controlled trust

C Corporation

  • A “no asset” C corporation will be the management company for your LLC. The two work together to protect your property from those who would take it from you.
  • You are employed by the C Corp, not the LLC. You can also be the sole shareholder and hold all of the officer positions. Your corporation owns nothing but a checkbook.

Your corporation can pay for:

  • medical insurance for the officers
  • life insurance ($50 thousand limit)
  • retirement plan

As an officer, you can be reimbursed for out-of-pocket medical expenses through a medical expense reinbursement plan (MERP).

Entertainment expenses directly related to the business can include:

  • training expenses
  • travel
  • meals
  • computer expenses
  • phone expenses
  • business gifts up to $25 per recipient
  • Never let your corporation pay for personal items. Commingling of funds could pierce the corporate veil and make you personally liable for corporate debts in the event of a judgment against the corporation.
  • Consult your CPA or tax advisor for the latest changes in allowable deductions.

LLC

  • Your limited liability company is where you earn your income. Your LLC should also own any vehicles, equipment, computers, copiers, printers, and real property.
  • You want your Operating Agreement to make your corporation the Manager of your LLC.
  • Your LLC should also pay the bulk of your operating expenses for your office, supplies, travel, fuel, utilities, phone, computers, and more.
  • Your interest in the LLC will be as a 99% member will be owned by the trust.

Beneficiary Controlled Trust

  • A beneficiary controlled trust is the crown jewel of asset protection.
  • While I will not go into detail here, a BCT works like this:
  • Someone other than yourself establishes an irrevocable trust with you as the beneficiary and as the Investment Trustee. A second entity or person is required as the Distribution Trustee.

Seek Advise

Charles Lamm’s company, _________Services, Inc., can act as your Distribution Trustee if you want to keep your affairs private from your friends and relatives.  __________ to take advantage of Florida’s excellent trust laws, as well as no state income tax.

  • The Grantor can put up to $12,000 per year into the trust without gift tax considerations, and you have an immediate right to withdraw the money as it is a Crummey defective grantor trust.
  • It’s complicated, but the idea is to leave the assets in the trust and use the trust to own the LLC and to take care of your needs.
  • The trust can purchase property, pay for your education and medical expenses, and take care of your physical well-being. You have full control over the trust assets without actually owning anything.
  • As the Investment Trustee, you control how the assets are used, and you can replace the Distribution Trustee at any time.

Summary:

  •  You are now isolated from lawsuits, creditors, judgments, ex-spouses, and the IRS.
  • Location within Broward and the state of Florida
  • Location within Broward and the state of Florida (Photo credit: Wikipedia)
  • Charles Lamm is a retired attorney who owns Trustee and RA Services, Inc., in Coral Springs, Florida. His asset protection blog can be found at http://trusteeandraservices.ml

Tax Breaks until Dec 2014

 Among the biggest breaks for businesses: A tax credit for research and development, an exemption that allows financial companies to shield foreign profits from being taxed by the U.S., and several provisions that allow businesses to write off capital investments more quickly.

There is also a generous tax credit for using wind farms and other renewable energy sources to produce electricity.

The biggest tax break for individuals allows people who live in states without an income tax to deduct state and local sales taxes on their federal returns. Another protects struggling homeowners who get their mortgages reduced from paying income taxes on the amount of debt that was forgiven.

Other more narrow provisions include tax breaks for film and theater producers, NASCAR race track owners, manufacturers of electric motorcycles, commuters who use public transportation and teachers who spend their own money on classroom supplies.

Dear Doctor/Business Owner,

I’m Connie, financial advisor with Harding Financial helping doctors and business owners save a significant amount in income taxes per year via a financial strategy and business structure (C corp, 1099).

Please email me a time to chat with our sr financial advisor this week?

Regards,

Connie Dello Buono

connie.dellobuono@hardingfp.com or conniedbuono@gmail.com

Harding Financial

hardingfp.com

Jr Financial Advisor

408-854-1883

Financial structure and strategy for doctors and business owners only

for doctors only

Sec 79

only c corp

medical practice c corp

multiple entities

real estate and your practice

RE and LLC

LLC lease back

Contact Connie Dello Buono 408-854-1883 motherhealth@gmail.com if you are a doctor or business owner and wanted to save at least 20% in income taxes, protect your assets and cash flow and ensure your lifetime retirement savings are earning with guaranteed return, tax advantages and less risks. We work with your CPA, real estate advisors and other advisors to form a team to support your financial goals (short term and long term).

Protect your cash accumulation from unnecessary taxes, market risks and inefficient financial products

critical capital mass

Now that you are in critical capital mass and earning more than you are spending, your goals are to protect your cash accumulation from unnecessary taxes, market risks and inefficient financial products.

Contact Connie Dello Buono, financial planner for doctors and business owners working with CPA and financial advisors in ensuring that your cash accumulation is protected from unnecessary income taxes using a business structure and financial plan with proper protection, less market risks and earnings for lifetime retirement income. 408-854-1883 motherhealth@gmail.com CA Life Lic 0G60621 

1708 Hallmark Lane San Jose CA 95124

Free webinar for doctors and business owners every Friday at 1pm for 1hr on protecting your cash flow with C corp, CPA and financial planners/advisors and your financial goals. Email Connie at motherhealth@gmail.com if you are a business owner, CPA or doctor and wanted to protect your cash flow from taxes and market risks.