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.

pension-retirement-safe-athene-fixed-index-annuity

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

401k to annuities plan worksheet

Gather your current financial plan and evaluate your retirement goals. Do you think you will outlive your savings? If yes, text 408-854-1883 for our field underwriter to show you a plan. Do review your current plan with your family, advisors and other pros. Fixed Index Annuities are savings you wanted to keep for at least 10 years and then start withdrawing them and have a lifetime income with death benefits and other benefit riders.

A 36 yr old saves $100 every month for her retirement

A $100 per month saved and paid as a premium for an Index Universal Life Insurance ( IUL) plan can yield good retirement money for a 36 yr old female with death benefit of $300,000. In this plan, there is a flexibility to save more each month on top of the monthly premium.

My son is saving at 2% in his credit union because he wants to help his sister move to another city. Do allocate around 5-10% of your income for a cash accumulation IUL or other retirement plan early on, to allow enough time to grow at 8% or higher rate with no downside market participation.

My daughter saves her money for a house at age 24 and had been going to thrift stores most of the time. As a teacher, she still can buy school supplies for her students as an art teacher.

Here is a sample quote for a 36 yr old female with death benefit of $300k:

https://www.mutualofomaha.com/advice/video/an-example-of-how-iul-can-work

Cashback, loyalty programs, shopping points, share in global shopping network

If your goal is savings from a large shopping network, loyalty gift cards for your customers and extra earnings, join for free here to register at Cashback World.

About Cashback for new merchants

For Cashback World registration, click here.

Email connie at motherheath@gmail.com on how to join at the Germany convention with Arnold (the terminator), Tony Robbins, Pitbull and others to be part of  a global shopping network helping merchants and giving opportunities for a home base business.
Get cash back for every day shopping, bills, gift cards, loyalty cards for your customers, and more.

About Lyconet and Blocktrade,

(The future EU Institutional Grade Cryptocurrency Exchange?)

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How to save one third of your income each month

In Silicon Valley, it is difficult to save. Some people work 2 to 3 jobs to save and live comfortably. Make a list before bedtime of things you can do to save money and make more money. Find creative ways to increase your business income , your skills or your current job. Network and be open for opportunities. Receiving your social security early can have some benefits. Find a hobby that you like and find ways to earn from it. Share your space. If you are a senior and needs a caregiver part time, you can call 408-854-1883 to share your space for caregiving discount.

Divide 4 categories to allocate money to every month.

  1. Survival – which covers food, house rent. Start preparing your food for the week every Sunday. Find produce during the season.

  2. Transport – car. Some people use public transport and Uber to save at least $6000 a year

  3. All things medical and optional, gifts, eating out in restaurants, clothes, etc

  4. Savings: Force a direct transfer from your paycheck to your retirement account. If you are over 50 yrs old, put more. Stay in less risky investment in your retirement accounts. Monitor regularly.