Is a tax-free lifetime income during retirement possible?

Investment under an Index Universal life policy per IRS code 7702 is tax free because you already paid taxes when you started saving from your net income. This means that half of your wealth cannot be taken away from you, not even by an estate tax. Would you like to know how you can start at 30 yrs old, 40 yrs old, 50 yrs old or even at 60 yrs old?

Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com

1708 Hallmark Lane San Jose CA 95124

Call if you used to be licensed Life and Health agent and wanted to own your own agency in 50 US states.

60 female tax free lifetime income supercharge retirement cash accumulation 8-13per return tax free with access to funds during health threats cancer disability stroke

50 female tax free lifetime income supercharge retirement cash accumulation 8-13per return tax free with access to funds during health threats cancer disability stroke

ms saver 40 tax free lifetime income supercharge retirement cash accumulation 8-13per return tax free with access to funds during health threats cancer disability stroke

ms saver 30 tax free lifetime income supercharge retirement cash accumulation 8-13per return tax free with access to funds during health threats cancer disability stroke

Retirement Threats by Connie Dello Buono

Taxes,Spending unwisely,Market Risks,Health threats,and No asset protection are the major threats to our retirement plan.

Taxes

About 40-50% of our retirement savings (401k/IRA) go to paying taxes:federal,state,penalties,and capital gains. We are taxed in many ways: income, sales,estate,capital gains,others.

Tax-free retirement plan using IUL

The way to protect our retirement savings is a tax-free retirement plan that is using an Index Universal Life Insurance (IUL), a permanent life insurance with investment or retirement savings that is tax-free per IRS code 7702. We already paid taxes in the form of income taxes so that we can keep our money when it grows and when we use it during retirement.

Market Risks

The crash of the stock market affected half of our 401k/IRA and investments. There is an Index strategy, an investment strategy in an IUL that does not participate in the downside potential of the market. Our savings or investments in an IUL has no market risks to gain with our principal and gains are locked when the market is down.

Spending Unwisely

Instead of saving for our retirement, we have not controlled our spending as we do not track how we spend our hard earned money. We should allocate saving at least 10% of our income when we are in our 30s, 15% when we are in our 40s and 20% when we are in our 50s to prepare for long life and a comfortable retirement since we could no longer depend on our Social Security benefits. Spending is one of the greatest threat to our retirement. An electronic fund transfer to our retirement savings each month will help control our spending habits.

Health Threats

We can go bankcrupt with most of our assets at risks when cancer,stroke or disability occurs. With LSW’s Index Universal Life policy with added living benefits at no costs, we can access funds from $100k to $1.5M when terminal,critical or chronic illness (cognitive impairment) occur. This is similar to a long term care insurance added to an IUL policy at no cost.

No Asset protection or IUL policy

With a stroke of a pen, we are leaving an estate to the next generation. We work more than 2 jobs to leave an estate to our children or prepare for a comfortable retirement. The cheapest way to leave a big estate is with a permanent life insurance like an Index Universal Life policy with investment.

Let me help you with a retirement threat protection, call Connie Dello Buono CA Life Lic 0G60621 as we have agents in 50 US states at  408-854-1883 and also email at motherhealth@gmail.com with offices in 20 California locations and other locations in 50 US states.

1708 Hallmark Lane, San Jose, CA 95124

 

 

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 retirement plan with access to funds during health threats such as cancer, stroke or disability and only participates in the upside potential of the SP500 market.

AOL chief executive Tim Armstrong told employees in an e-mail Saturday evening that he was reversing the company’s 401(k) policy and apologized for his controversial comments last week.

“The leadership team and I listened to your feedback over the last week,” Armstrong wrote in his e-mail to the company. “We heard you on this topic. And as we discussed the matter over several days, with management and employees, we have decided to change the policy back to a per-pay-period matching contribution.”

The decision came after days of pressure on the company. Many employees were angered by a report by The Washington Post that retirement benefits were being changed.

The policy change would have switched 401(k) matching contributions to an annual lump sum, rather than being distributed throughout the year with every paycheck. The switch would have punished employees who quit or were fired mid-year. It would also have cost employees who stayed, since they would not see the benefits of compounding in their retirement accounts.

Armstrong tried to explain the changes Thursday but instead stirred up more bad publicity when he blamed the new federal health-care law and medical expenses associated with two “distressed babies.”

Financial strategy to recover from market loses

keep index IUL for cash flowfinancial-plannning-types

  • Financial strategies of investing/savings
  • Recover from market loses
  • Create an estate
  • Use asset based long term care to protect you from health threats
  • Tax free retirement dubbed as supercharged Roth IRA
  • Better than your 401k and IRA, a savings plan with lifetime retirement income Tax free and Risk Free

Time: 9-10am,Monday-Sunday

Venue: webinar

Cost: Free

Please RSVP Connie Dello Buono at motherhealth@gmail.com 408-854-1883

http://www.clubalthea.com