More than 10 reasons why we need life insurance

Your greatest asset to protect is your life. As a mother and a life insurance agent, I want to show you why we need life insurance, not just for creating an immediate estate to my children in the absence of an inheritance as I am not rich at the moment. Connie Dello Buono CA Life Lic 0G60621 408-8541883 (in 50 US states) Here are the top reasons why we all need a life insurance:

1. create an asset or estate, up to $2M

2. allow my family to grieve peacefully, without worries and can remember me during the time that the life insurance proceeds can help them with college, buying a house or sending their children to college

3. allow my family to find money should I need a similar to long term care needs after a stroke, disability or an early/last stage terminal illness

4. provide for a lifetime retirement income for me as I do not have other retirement plans in place

5. More than ten reasons for business owners, like a buy and sell agreement would allow the other partner not to deal with the spouse should the business partner dies, and here are  the other reasons:

mortgage protection how much disability income do I need index strategy and rates indexing strategy dividends return of premium IRS rules and modified endowment contracts riders LSW 1035 exchange p2 1035 exchange p1 survivorship no probate estate created mortgage protection money purchase key person executive bonus final expenses life insurance with added LTC similar to long term care policy buy sell agreement life insurance you do not have to die to use


Note: Chronic illness rider is currently being reevaluated in California. Some IUL caps or returns up to 10%,12%,13%,15% or more with guarantees of 2%,2.5%,3%
Your referral to anyone who needs a retirement review, estate plan review, life insurance review, college plan review and life review is much appreciated.

Connie Dello Buono , CA Life Lic 0G60621 is a free investment advisor

FutureAdvisor is an investment advisor that takes academically researched portfolio management principles and applies them to your situation. Our recommendation algorithms are based on these principles and academic works.

1. Index Investing: more effective than picking stocks

FutureAdvisor’s algorithmic portfolio recommendations favor low-fee index funds. Not only do low-fee index funds perform better in the long run [1], academic research shows that they’re also more tax efficient. This is because the frantic buying and selling that human fund managers do in a futile effort to time the market generate tax liability, which is then passed on to you the investor. One study found that over 20 years 92% of all mutual funds underperformed index funds after fees and taxes [2].


2. Personalized Diversification: capture returns, lower risk

FutureAdvisor recommends a specific portfolio for your age, risk tolerance, and investment time horizon using industry-standard benchmarks such as Morningstar’s Lifetime Allocation Indexes [3] and work by David Swensen, head of the Yale University Endowment [4]. As the famous Callan Periodic Table of Investment Returns shows [5], in some years stocks beat bonds, in other years it’s emerging markets, or real estate, or some other asset class. Broad diversification helps capture these long-term returns of the market and reduces risk.


3. Keep Fees Low: you get what you don’t pay for

FutureAdvisor makes your portfolio fees transparent and helps you pick lower fee options that will likely perform better as well. Investment fees significantly drag down your portfolio growth because the money you pay in fees never get a chance to grow and this compounds over time to be a significant loss. According to Morningstar, the best way to choose a fund that will do the best in the future is to look for low fees [6]. In short, any fees you pay now directly lower your wealth [7].


4. Rebalancing: 10 minutes a year will increase returns

FutureAdvisor reminds you to re-balance your portfolio to produce higher, more stable returns by locking in gains and managing risk. Research has shown that quarterly re-balancing can produce smoother returns. For example, from 1992 to 2002 a rebalanced portfolio yielded 0.4% more return each year [8]. Re-balancing controls your portfolio’s risk exposure rather than letting it drift with the market. Invariably, non-rebalanced portfolios suffer greater losses during market downturns [9].


5. Value and Small Cap: for even greater long term return

FutureAdvisor takes your portfolio beyond the basics for even greater expected return by helping you lean your portfolio towards Small Cap and Value funds, both in the United States and internationally. Seminal research by economists Eugene Fama and Kenneth French, now referred to as the Three-Factor model, showed that over the long run this leaning outperforms more traditional capitalization-weighted indices such as the S&P500 in the United States, and held true for 19 out of 20 international countries [10].


About Performance: Past success is no indication of future results

Active fund managers will often display their returns over the last X years and pick a window of time that makes them look good. The big myth here is that just because a fund did well last year, it’ll do well next year too. In academic research on finance, plenty have been written to disprove this myth, and if you’re interested a good place to start is Burton Malkiel’s seminal paper “Returns from Investing in Equity Mutual Funds 1971-1991”[11]

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References & Citations

Don’t just take our word for it, look through the research here.

  1. John Bogle, founder of The Vanguard Group: see his article in the Wall Street Journal and his speech at Columbia University for a fundamental discussion of index investing, the investment philosophy behind FutureAdvisor.
  2. Robert Arnott, Visiting Professor of Finance at UCLA: see his research showing that 92% of mutual funds underperformed index funds when taxes are taken into account. “Arnott, Robert. Berkin, Andrew L. Ye, Jia. The Management and Mismanagement of Taxable Assets.” Investment Management Reflections No. 2″ (PDF). 2000.
  3. Ibbotson SBBI 2010 Classic Yearbook, “Market Returns for Stocks, Bonds, Bills, and Inflation 1926-2009”. This work on Lifecycle Asset Allocation is itself based on prior literature from, among others, Chen, Ibbotson, Milevsky, and Zhu [2006, 2007] as well as Bodie, Merton, and Samuelson [1992] and Viceira [2002].
  4. David Swensen, Chief Investment Officer, Yale Endowment: see his seminal book Unconventional Success: A Fundamental Approach to Personal Investment (2005) ISBN 0-7432-2838-3, Free Press
  7. This phrase is often attributed to John Bogle, the founder of Vanguard. For more, see
  8. See Table 6.4 “Rebalancing Smoothes the Market Cycles”. Swensen; page 196
  9. As bubbles form (whether it’s the dot-com bubble or the housing bubble) those assets outperform other assets for a little while. During this period of outperformance, an unrebalanced portfolio becomes skewed towards this asset class. As such, when the correction occurs more of your portfolio than you had anticipated is exposed to that downturn.
  10. See “Value vs. Growth: The International Evidence” at For more, see Kenneth French’s website of data and working papers at

Making your retirement plan what you wish for

A retirement plan for health care pros and docs

  • Tax free
  • Zero market risk
  • Health benefits for terminal and chronic illness added at no cost
  • In 50 US states
  • Using 5 indexing strategies of wealth accumulation
  • Call Connie Dello Buono 408-854-1883 after you read the above ppt presentation materials. This pension plan is for all working and self-employed adults in the USA from age 25 to 65 yrs of age. Who has only been getting 1% return from their CDs and negative returns from other investments, no pension, wants an exempt assets for health insurance reasons and for better returns.

business card connie



Minimum death benefit maximum cash accumulation tax free, risk free

A secret for the affluent, a life insurance that is tax free, linked to inflation (stock market) and indexing investment strategy, participating only when the market is going up (Lock In and Reset).

Josh Jenkins-Robbins talks about maximum funded tax advantage life insurance contract using IRS code sections 72(e) 101 (a) 7702. I have this vehicle for your retirement fund, an equity Index Universal Life policy. Call Connie Dello Buono 408-854-1883
Use this Index strategy , IUL, tax-free, market risk free to provide you with lifetime income benefit, a super charge Roth IRA. It is called super charge because of no contribution limit, with tax free access to money and a tax free transfer to your heirs. You are buying life policy for the growth and not for the life insurance. We have to fund this policy or contract in a five year period to be efficient as your money doubles every 9yrs if the return is at 8%.

It only take three market loses to wipe out your investment that 401k flops in this category.

Inflation and taxes can cut your assets/savings that is far better to be taxed on the seed and not the harvest. We pay our income taxes already, so the remaining should be saved under an IUL so that the harvest will be tax free.

The erosive effects of taxation greatly affects our savings. For high net income clients and middle class, there is a way to fund your retirement without being eaten by taxes.

A 10k pre-tax contribution in 401k  amounts to $50k in taxes (at 62% and $28k at 35%) after 30 years. Netting you only $30k in your pocket.

So avoid market losses at all costs, use an indexing investment strategy, tax free via an IUL, with participation up to 13% and 0% participation when the market is negative (current 25-yr weighted return is at 8%).  You can access 90% of your money, complete liquidity when you need it. An IUL never runs out: a Muni Bond runs out in 8yrs, a 401k/IRA runs out in 13 yrs, and a mutual fund runs out in 9 yrs.  If you are not so healthy, use a surrogate like your child or spouse.

Call Connie Dello Buono 408-854-1883.



Call Connie Dello Buono CA Life Lic 0G60621

65 yrs old and need to plan money withdrawals from annuities, Index UL and other plans

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I have helped older adults use tax-free retirement money and let their money work for them allocating idle money from CD towards their indexed and immediate annuities and index Universal Life Policies for a tax-free lifetime retirement income with no market risks and with health benefits when cancer,stroke or disability occurs. Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 in 50 US states.