What formula works best? Should you include annuities in the mix? Yes annuities should be included in the mix since some annuities with NLG/LSW has a total return after ten years of 9% with guaranteed of 2.5% depending on company quarterly data.
If most people are comfortable putting money in savings accounts where they get less than 1% Taxable, they will get much better advantage getting S&P500 rate that is Tax Deferred!
And as we age, we wanted no market risk, tax-free, long term investment and also a savings plan that we can tap into during emergency and for any health threats such as cancer, stroke or disability using the Index Universal Life policy with full living benefits (terminal, critical, chronic illness riders added at no cost with NLG/LSW).
Still some of us would love real estate, stocks, bonds, and other ways of investments.
We can diversify and allocate our assets in a way that returns are higher, safe, tax free or deferred, allocated into exempt assets to be qualified for MediCal and be protected under residence trusts.
We should use our money with low returns first such as the CD or better yet reallocate this idle money, money with low returns to indexed annuities or index UL with returns from 8-13%. Contact Connie.
Call Connie Dello Buono 408-854-1883 motherhealth@gmail.com CA Life Lic 0G60621 to reallocate idle money and have a higher return for your lifetime tax free retirement savings/income.
Published by connie dello buono
Connie Dello Buono is based in Sunnyvale California. Her first ebook is about women's health, Birthing Ways Healing Ways and her recent one is about cancer prevention, Curated Healing Ways. She had helped women have holistic childbirth as childbirth educator, founded Motherhealth, to serve seniors in the bay area with holistic caregivers and blogs at www.clubalthea.com with more than 10,000 health and finance related posts.
Connie trains her own caregivers, which are the favorites of most bay area seniors who are home bound and alone.
She is active in the rehab and nursing facilities, volunteering on music and movement for seniors.
She is a member of Lion's club and offered scholarships to students in the Philippines.
She is active at churchinsunnyvale.us and has Fridays Bible home study in Sunnyvale using the recovery version of the Bible , free at biblesforamerica.us
She loves dancing and teaching and her courses can be found at
https://teachclub.com/@thriveafter60
She is California Life Insurance licensed providing life insurance for older adults with health issues and helping women retire safely with income for life.
at menloassetca.com , she helps with 401k rollover.
3 Benefit plans
- Mortgage protection using term life insurance to pay for mortgage balance in event of death
- Final Expense plan using Single Issue Whole Life Insurance, with cash back, disability benefit and guaranteed in the presence of health issues
- Fixed Index Annuity retirement plan for safe, accessibility, less fees, less taxes, avoids probate as it goes directly to beneficiaries, rate of return with no downside market participation.
She brings compassion and understanding to the needs of her clients, bringing holistic approach in health and life insurance. Her goal is to free families from worries especially during covid with caregivers and life insurance in the presence of health issues, especially for women.
She can be reached at 408-854-1883 , motherhealth@gmail.com
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