Income Planning for retirement

Income Planning for Retirement

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Accepting change to reorganize your finances

Successful people very quickly identify for themselves that they have a problem in organizing their finance and need proper risk protection from savings plan using perm life insurance with tax free cash accumulation to income disability insurance to protect overhead costs of their business.

Let me help you find the money to allocate for long term savings with life insurance protection and income disability using the Living Balance Sheet.

For example if you are spending money already for bonds, term insurance, risky savings and investments and idle money, I can help in reallocation of your assets for better protection and long term guaranteed, liquid and safe rate of return.

I am available 24/7 as your personal finance concierge with team of advisors and use of Living Balance Sheet tool for holistic financial planning.

Connie Dello Buono


CA Life Lic 0G60621

3 ways to tax free retirement or savings plan, looking for savers to save $50k per year

Tax Free saving: Municipal bonds, Roth IRA and permanent life insurance. I suggest a permanent life insurance for saving your money each year, for example $50,000 each year, increasing your estate by $7M, guaranteed return of 4% plus additional dividend yield of 2%, allowing you to borrow your own money year 2 (liquid) and with terminal and critical illness riders or benefits during health threats so you get to access some portion of your face amount. IRS 7702 allowed this tax free accumulation as long as the insurance policy is in place with at least 10% of its cash accumulation intact.

Myths about asset class – life insurance

Contact Connie at 408-854-1883 and email at to start saving early before the year ends.

About the Financial Firm: Mutually founded financial firm paying its dividends to the policy holders like you, with rating of Aaa ranking top 7 in the USA and is more than 150 yrs old. Its products include: life insurance, disability income, IRA/401k, annuities and many more for small business, doctors/health care pros, employees and employers.

About me: My name is Connie Dello Buono, CA Life Lic 0G60621 and I live in San Jose California for over 20 years. I was born and raised in the Philippines. I have two grown children in college, now 18 and 20 yrs of age and had been divorced since 2002. I have siblings in the Philippines and Australia. I graduated with degree in BS Math and minor in Chemistry at Adamson University. I took some MBA courses at Argosy University. During the time that I was full time mother for three years, I read medical, nursing and midwifery books and was trained by bay area midwives and these helped me write my first ebook on childbirth and baby care, Birthing Ways Healing Ways at amazon. I have taught pharmacy technician course, zumba dance fitness and high school science and math. I love Argentine Tango and belly dancing. During my spare time, I share my knowledge in herbs and nutrition with others and thru my blog at . I can be reached at 408-854-1883 and

Retirement woes and stock market loses of 45-65 yrs olds


45 yrs old Saves $300 per month $50k yearly lifetime retirement income Sample numbers, save for 20 yrs, earnings for lifetime , returns 8-13%
55 yrs old Saves $500 per month $40k yearly lifetime retirement income Sample numbers, save for 20 yrs, earnings for lifetime , returns 8-13%
  • At 45 yrs of age, you want to save in the next 25 yrs and ensure your lifetime retirement income to support the lifestyle that you want.
  • At 50 yes of age, you want a safe place to grow your savings or investments with no market loses like the stocks and you want to recoup what you have lost in the market to retire early.
  • At 60 yrs of age, you want to use some of your savings tax free without paying penalties and taxes which would amount close to 40-50% of your savings.
  • At 65 yrs of age, you know that you might need long term care and you have no long term care insurance and might not be insurable any longer.
  • At 70 yrs of age, you are required to withdraw your savings and incur a huge tax as a result.

Now, you do not have to have these pains of the future if you know there is an Index Universal Life policy with additional living benefits such as terminal and chronic illness riders and lifetime retirement income riders.

These riders added free at no cost allows you to access 70-90% of your face amount (up to $1.5M) when cancer (early or last stage) or disability occurs.

After saving away in the next 20 yrs, around 10% of your net income you are scheduled to receive a lifetime retirement income until you are 120 yrs old. For sure, you will not outlive your money.

Using an index strategy, in an IUL policy your savings do not participate when the market is in downside potential but keeps your principal and gains intact. You can create an estate of $500k to $2M at a stroke of a pen with a policy that is not term (renting) or whole life insurance (1-3% with return) but an IUL for tax free cash accumulation between 8-13% return.

You choose what your retirement income would be, call Connie for free review of your retirement needs and wants via email or cell for 24 hrs response. Your financial life coach (24/7) for single premium, 1035 exchange, super charge Roth IRA, pension, 801k or just a safe/guaranteed savings plan securing the future for you and your family where your money doubles every 9 yrs and during health threats or emergencies you have access to it.

Contact Connie Dello Buono CA Life Lic 0G60621 408-854-1883 1708 Hallmark Lane San Jose CA 95124

Weekly seminars:

Fremont:  43136 Christy St Ste 100, Fremont,CA  94538 , every Saturdays, 8/9/2014 at 9am

Mon-Friday: San Jose 8pm
Also available online and via skype

Pay yourself first, car and housing are major expenses

monthly budget

monthly budget

Contact Connie Dello Buono 408-854-1883 for finance coaching and motivating you to save for your future and be ready for financial and health threats.


Withdraw a net $75,000 per year from $1 million earning 7.5% in a 0% tax bracket

Teachers, nurses and workers are my heroes.  They worked hard and so I pledge to help them with tax free retirement income for life.

Whethere you have only $300 per month to save or a $1M to set aside towards a lifetime retirement income, indexing strategy using an IUL will help you withdraw a net $75,000 per year  from $1 million earning 7.5%  in a 0% tax bracket.

How do you want to spend your retirement income? It is healthy to work until 70 yrs of age if you are happy and contented with your job. Happiness is a norm among financially free people. Be one and sleep at night knowing that your money does not participate when the market is down and keeps your principal and gains intact.

tax free


Connie Dello Buono CA Life Lic 0G60621


1708 Hallmark Lane San Jose CA 95124

Helping families in 50 US states.

Free without charge: Living benefits, access to funds up to $1.5M when cancer,stroke or disability occurs and a lifetime retirement income you can set.

With a stroke of a pen, you are increasing your estate from $100k to $2M.




Work less, save more, reach your retirement income early

monthly saving

work less save for lifetime retirement pension connie dellobuono

Download the presentation above to plan for your future, a retirement matching your lifestyle.

All possible without working McJobs or working two jobs.

Contact Connie Dello Buono, retirement planner CA Life Lic 0G60621


In 50 US states.

1708 Hallmark Lane San Jose CA 95124