Why Athene Fixed Index Annuity for lifetime pension

If you wish to allocate a portion of your savings or retirement/pension in a safe Fixed Index Annuity with no negative market participation, text Connie Dello Buono, 0G60621, at 408-8541883 to show you Athene’s annuity products that suits your retirement savings goal of tax less, fees less, avoid probate, safe with no participation in market downturns and more benefits as shown below.


About Connie Dello Buono, Financial Consultant 4088541883 connie@connielifeins.com

Insurance Broker protecting families, seniors and business owners (insurance for life, income, health, retirement, estate and mortgage equity).

Connie Dello Buono is a California Licensed Life and Health Insurance Agent, 0G60621. Serving clients in the bay area, Santa Clara county and the greater bay area communities. Connie started helping seniors with caregivers and with life insurance products that can be used even with health issues.

Life Insurance as asset, life, and retirement income protection

We are focused on helping our clients achieve a secure retirement using fixed annuities and index universal life insurance, a final expense plan using single issue whole life insurance with no medical tests, mortgage protection insurance plans from Americo, AIG, Mutual of Omaha, Transamerica, AIG, John Hancock, American Amicable and 10 more insurance carriers, mostly A rated.

The many riders are important to protect the client during accidental death (doubles the death benefit amount), disability, loss of income/job, terminal/chronic/critical illness or living benefits riders, Return of Premium or cash back, paid up addition and getting back all premiums paid at 100 yrs of age.

Health Care strategist and founder of Motherhealth bay area caregivers

Health Author , Curated Health at Balboa Press

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.

Are you losing $1M or more of wealth accumulation intended for retirement?

accumulation test p1 for docs connie 408-854-1883 accumulation test p2 for docs connie 408-854-1883

Contact Connie Dello Buono, financial planner working with financial advisors and CPA helping doctors and business owners protect $1M in wealth accumulation (period of 10 or more years) at 408-854-1883 motherhealth@gmail.com in 50 US states. CA Life Lic 0G60621 , 1708 Hallmark Lane San Jose CA 95124

C corporation for the practice, structure for max savings and min taxes

C corporation can be the right choice for many small entities because of the deductions it allows.

A C corporation enjoys a full deduction for the cost of employees (including owner employees) health insurance, group term life insurance up to $50k per employee and even long-term care premiums without regard to age-based limitations.

A C corporation can also deduct the costs of a medical reimbursement plan.

Lower Tax Rates for C Corporations

potential income taxes loss

C corporations enjoy their own graduated rates.

Best of both worlds

Many medical practices can take advantage of both the C corp and S corp by setting up two distinct entities to operate different aspects of their practice. The S corp can be used for the operating side of the practice while the C corp can be used for the management functions. In this way, the medical practice as a whole can take advantage of both the tax deductions afforded a C corp and the flow-through advantages of an S corp.

protect your practice

income tax analysis

professional corp

section 79


Contact Connie Dello Buono 408-854-1883, financial planner working with your CPA, motherhealth@gmail.com for a finance and business structure and strategy to save your business significant income taxes


Free 30min phone chat with a sr financial advisor at Harding Financial to help you reduce income taxes using a business structure and financial strategies, connie.dellobuono@hardingfinancial.com or conniedbuono@gmail.com 408-854-1883

Make 2014 and 2015 be the year to protect your wealth and secure your retirement.

 Connie Dello Buono
Jr Financial Advisor

CPA Seminar serving business owners

My financial service office in San Ramon is a CE Service provider to the bay area CPA community. We provide weekly seminars/webinar for CPAs in the bay area. Contact Connie Dello Buono motherhealth@gmail.com to get dates and times or call 408-854-1883

Business succession issues. Estate planning techniques. CPA helping business owners deal with things that matters to them the most, asset protection, exempt assets, and financial strategies to minimize taxes, reduce risks, leverage qualified retirement plans, decrease monthly business expense, and earn a good return to their liquid assets and long term assets. Financial tools and advisors accessible to their clients for wealth protection and accumulation to provide retirement income to last forever. And any topics you want to be included in the seminar designed for CPAs.

Min attendees: 25

Location: San  Ramon

Estate Planning for Business Owners

estate planning personal residence trustestate planning strategiesestate planning strategyestate_plan_ for business owners

The irrevocable life insurance trust is not the only form of trust that’s useful with an estate plan. There are actually several different types of trusts that have important roles to play in the estate planning process.

One of the more popular trusts is the so-called “living trust,” more technically known as an inter vivos trust.

A living trust is a legal document that resembles a will. Like a will, a living trust stipulates how an individual’s assets are to be distributed, and the specific terms of those distribution plans. Unlike a will, however, a living trust operates during the lifetime of the person who set it up.

The intent of a living trust is to manage assets during periods of disability and at death. A common purpose for living trusts is to protect assets should the grantor become mentally or physically incapacitated. That is, it contains detailed instructions for the management of assets should the grantor become disabled, as well as directions for the distribution of assets at death.

Because they stipulate the disposition of assets at death, a living trust must dovetail with the terms of the grantor’s will.


So, let’s sum up the advantages of an irrevocable life insurance trust and see why most feel it is such an important part of any estate plan. . .

An irrevocable life insurance trust can be used by taxpayers who wish to remove not only substantial assets from their gross estates, but also any income from or future appreciation of those assets. This tax benefit is paid for by giving up complete control over the trust and trust assets.

By avoiding the insured’s estate, however, insurance proceeds in an irrevocable trust do not increase the decedent’s estate tax burden. Thus, they can be a source of income for the surviving family, while providing funds to pay estate taxes for the estate, but not from the estate. This can help avoid a forced sale of assets at the grantor’s death.  There are some issues that anyone considering an irrevocable life insurance trust will have to evaluate relative to their circumstances.  Questions to consider are will there be sufficient cash flow to cover the premiums?  Are there enough liquid assets so that the funds contributed to the trust will not be needed for future living costs?  You also want to understand the administration issues and costs involved with an irrevocable life insurance trust.

Be sure to get qualified professional help when establishing this or any type of trust.



Seek a lawyer, research and find the best fit for your estate.