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


No retirement income at 65, plan early and review yearly

retirement goals fears plan

I met two people this year who had made millions in the past 20 yrs and they are broke now with no retirement income. They prioritize mansions and others before they have ensured their most important asset, their life with sufficient retirement income, money during health threats/long term care, investments with no market risks and sufficient life insurance to leave an estate to the next generation.

You only need to save 10-20% of your net income for 20 yrs and you will have a retirement income for life of between $70k to $300k per year until age 120.

Let me help you with retirement that is tax free, no income limit, returns up to 13%, with living benefits of up to $1.5M when terminal illness (first or last stage of cancer) or disability occurs, with five indexing strategies keeping your gains and principal intact.

Connie Dello Buono 408-854-1883 in 50 US states

CA Life Lic 0G60621

1708 Hallmark Lane San Jose CA 95124

Making your retirement plan what you wish for

A retirement plan for health care pros and docs

  • Tax free
  • Zero market risk
  • Health benefits for terminal and chronic illness added at no cost
  • In 50 US states
  • Using 5 indexing strategies of wealth accumulation
  • Call Connie Dello Buono 408-854-1883 after you read the above ppt presentation materials. This pension plan is for all working and self-employed adults in the USA from age 25 to 65 yrs of age. Who has only been getting 1% return from their CDs and negative returns from other investments, no pension, wants an exempt assets for health insurance reasons and for better returns.

business card connie



Turning 50? it is not late to prepare for your retirement savings plan

A senior costs her three homes to pay for 15yrs of staying in a care home facility.She has no retirement savings, long term care or other means of generating income. Her diabetes caused her death after 15 yrs in a care home with not enough exercise and motivation to eat healthy food even when the care home prepares a gourmet meal for her. So if you are planning to retire with sufficient funds, plan early.

Here are a few of her rules of thumb to help you catch up after age 50:

Make savings non-negotiable

People who are not really taking their savings seriously, unfortunately, are going to move themselves into this area of poverty. For someone who has not been saving, take a real hard look at where their money is going and make savings automatic, non-negotiable.

If you make savings a high priority, there’s a lot of opportunity to make a difference. Let me give you a financial example: If a 50-year-old was to take advantage of the 401(k) and save $23,000 for the next 15 years until they’re 65, at a 6% rate of return that money can grow to [about] $570,000. Also take a look at credit card debt because the interest that you’re paying could easily be going to savings.

The 25 Times Rule

You will need 25 times the amount you’ll need to withdraw from your savings to supplement retirement or any other reliable income. So, for instance, if you need $40,000 per year of supplemental income, you will need a million dollars saved at the time of retirement.

The Minus 10 Rule

If you start saving in your 20s, you can save up to 10% and you should have a relatively comfortable retirement. However if you wait until your 30s, you’re going to have to save at least 20%. And then your 40s [save] 30%, and 50s of course 40%. That sounds like a lot of money, but in this country two-thirds of Americans use Social Security as their primary source of income. For a third of Americans, it’s their only source of income. And, unfortunately, the average amount of Social Security is approximately $15,000 [a year].

Are there things that you can cut out? For instance, even life insurance. For a lot of people it’s a waste of money — they don’t have dependents or a small business. Really look at where you can cut money — is it cable television? Do you need that car?

Saving for your health

Keep in mind we’re living longer. In our early retirement days we are going to be active and that’s where our money is going to go. But in our later years, a lot of our money is going to go to health care. A lot of people don’t really think about health care costs and embedding that into their savings.

If you have access to an Index Universal Life policy consider maximizing the funding in it and let it grow over the years so that when you do retire, you have that nest egg.

A lot of people assume that Medicare is paid for and all their medical expenses are going to be paid for, but actually the premium is deducted from your Social Security benefit so Medicare only covers about 60% of your health care costs, so it’s really important to embed health care in your whole retirement savings plan.


Contact Connie Dello Buono CA Life Lic 0G60621 for a investment-retirement-savings plan that will provide a lifetime income, a similar to long term care insurance, with estate plan, life protection and tax-free and risk-free. Best of all it has been growing up to 8% during the last 20yrs.

No more market loses and taxes with index investing and Personal Finance 101 for rich and poor

Rich or poor you can still save for a lifetime retirement income/pension/savings plan or your own personal 801k.

Your money does not participate when the market is down, keeps your gain and principal intact. Nor market loses or risks.

You save your net income each month, $200 or $3k or even more, no income limits and yearly saving limits unlike the Roth IRA.

Tax free like the Roth IRA but supercharge, you set your own limits and savings.

When you need the money, you can borrow 90% from it without paying it back since it is your own savings plan.

During health threats such as cancer,stroke or disability, you can access up to $1.5M or 70-90% of the face amount.

Best of all, with a stroke of a pen, you can leave a big estate to the next generation.


Take action, save now with an index investment strategy using an IUL investing plan with lifetime retirement income and health benefits (been returning or g rowing at 8% with cap of 13%, guaranteed at 2.5%).  5 indexing strategies to maximize your savings plan.
Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 We are in 50 US states and also hiring business minded pros.

Inherited IRAs are taxable, Roth IRAs and Index Universal Life Policies are tax-free retirement funds

Inherited IRAs are taxable, Roth IRAs and Index Universal Life Policies are tax-free retirement funds

Supreme Court has ruled that inherited IRAs are not retirement funds, are taxable and creditors can find it (even when the owner shielded it inside a trust).
Call Connie Dello Buono 408-854-1883 for IUL with zero market risk, tax free and with living benefits , access to funds when health threats occur. Returns from 8-13%, guaranteed at 2.5%, does not participate in downside of the market. We are in 50 US states, looking for more agency owners, call if you want to join us.