There is a better than 401k retirement plan with tax-free IUL index strategy with zero market risk that grows up to 13% and living benefits added free (access to $1.5M when stroke, cancer, or disability occurs). If you want to protect your wealth from 50% taxes after accumulation and from market risks, call Connie Dello BuonoContinue reading “Some companies are not providing 401k retirement plan”
Category Archives: retirement savings
Should I max out my 401k contribution?
When your company matches your tax-deferred savings, then take the free money. But do you know why the IRS wants you to save tax-deferred now. Because later on, after it grows and accumulate, it will be taxed at close to 50% before you reach the age of 59.5 yrs old. When you invest money inContinue reading “Should I max out my 401k contribution?”
Protecting your wealth with zero market risks and living benefits up to $1.5M
Cut costs in bank fees, home/car insurance, dining, and more
Cut costs , save more Home/Car Insurance and Financial Fees Save almost $600 a year Some credit cards sock you with fees of $30-plus, the FDIC reports, if you’re even a day late with your payment. Say you have a bad math week and bounce a check—that’s a fortune right there. Stay on top ofContinue reading “Cut costs in bank fees, home/car insurance, dining, and more”
How do you avoid the estimated 50% total taxes from your 401k before you reach 59.5 yrs old?
A qualified plan can be moved to another qualified plan (tax deferred). After moving to a qualified plan such as an Index Annuity (with up to 13% return), You can use the yearly return to fund your Index Strategy UL, with tax-free accumulation. For those who do not have a 401k or self-funded retirement plan,Continue reading “How do you avoid the estimated 50% total taxes from your 401k before you reach 59.5 yrs old?”
Concerns about 401k at AOL
Retirement accounts such as 401k may the only retirement savings by some employees. But for others, there are many ways to have a better than 401k retirement savings without penalties, limits, with zero market risks and taxes, via the Index Strategy of IUL. Contact Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com for tax-free retirementContinue reading “Concerns about 401k at AOL”
Retirement planner for bay area doctors and health pros , lessons learned
As retirement planner for our bay area doctors and health professionals, I have learned many things in helping them maximize their wealth, minimize taxes and have access to funds when health threats occur. The average working and earning years is between 40-70 yrs old. They seek retirement planning advice after 3 to 5 years workingContinue reading “Retirement planner for bay area doctors and health pros , lessons learned”
Do we know how we spend our money each month?
Feb % of net income Feb Mar %Mar net income less taxes and deduc 30000 30000 car ins 200 1% 200 1% car rent 1300 4% 800 3% home rent 3200 11% 3200 11% other insurance 250 1% 150 1% food and grocery 800 3% 750 3% Dinner-restaurant 500 2% 250 1% travel,cell,work expenses,cert,mags,CE,student loansContinue reading “Do we know how we spend our money each month?”
Helping others save and control spending is my mission; Doctors take on brain and money
Taxes and inflation are not within our control but spending is. I have been helping bay area residents from single mothers to couples save for retirement, college and other dream projects in the future. Most of all, they now realized that they can retire early if they save early. How much to save depends onContinue reading “Helping others save and control spending is my mission; Doctors take on brain and money”
3 wealth destroyers to fight ferociously: taxes, inflation and overspending by Bruce Fraser
. When financial planner J. Landon Loveall was a teenager growing up, he says, “I guarded my Lego creations with life and limb from the destructive nature of my little sister.” Loveall is founder and president of Cumberland Wealth Planners in greater Nashville, Tenn. Creating wealth is not unlike building something solid with Legos, as Continue reading “3 wealth destroyers to fight ferociously: taxes, inflation and overspending by Bruce Fraser”
Worse Before Better – A financial Update written Sept 2008
By Elizabeth Alexis | September 17, 2008 The usual caveats apply. Everyone’s financial situation differs. Consult your own advisor or do your own research. We have been wrong before. Lehman is toast, Merrill’s in a shotgun wedding and AIG is now working for the American government. The right-sizing of the financial industry continues. We’ll helpContinue reading “Worse Before Better – A financial Update written Sept 2008”
Walk away savings, an annuity at 13% return vs 1% CD
An annuity is an investment that provides a series of payments in exchange for an initial lump sum. With this calculator, you can find several things: The payment that would deplete the fund in a given number of years. = $12k The amount needed to generate a specific payment. = $100k The number of yearsContinue reading “Walk away savings, an annuity at 13% return vs 1% CD”
Protect the final return of your investments from taxes
Investment Return [Your final investment return after 25 years is $500k after initial investment of $100k and $10k annually.] But what about taxes? Will it be around 50% Rate of return This is the annually compounded rate of return you expect from your investments before taxes. The actual rate of return is largely dependent onContinue reading “Protect the final return of your investments from taxes”