Tag: tax free

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

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

408-854-1883

motherhealth@gmail.com

connie_dellobuono@glic.com

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 motherhealth@gmail.com 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 http://www.clubalthea.com . I can be reached at 408-854-1883 and motherhealth@gmail.com

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 motherhealth@gmail.com www.clubalthea.com 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