I have an IUL Life policy to leave a sum of money to my children. I did this to allow them to live life’s challenges with ease, start a business, pursue a career or a downpayment to their dream house. With a stroke of a pen you can leave an estate, even at $250 per month.
Marriage in the old times was used to protect assets, inheritance, land ownership or properties. When we die in the USA, our estates or assets either go to our heirs, charity or the government.
Tax-free is an important consideration when long term savings and investments are at stake. My estate allows me to accumulate, withdraw or distribute it tax-free to any of my projects or heirs. Whether you are 60 yrs old or 30 yrs old, working your hard earn money, choose wisely. It costs me $4000 when I withdraw my money less than 2yrs after I open an IRA. There is a yearly limit to an IRA or 401k whereas my IUL policy can be used by anyone from 1 to 80 yrs old with higher limits than a Roth IRA or 401k.
In Taiwan, the average person saves about $7,000 per year while in the USA, an average person has around $7,000 in credit card debts.
Some of our young generation are spending wisely, using thrift stores, delaying the buying of a car, going to city colleges instead of expensive colleges or universities and many more smart ways they spend and use their money.
What will be your 2014 smart money saving trick? Email motherhealth@gmail.com
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We are now hiring part time retirement planners in 50 US states who has or will pass the Life and Health Insurance test. Call Connie Dello Buono 408-854-1883 , motherhealth@gmail.com , CA Life Lic 0G60621. 1708 Hallmark Lane San Jose, CA 95124
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Published by connie dello buono
Connie Dello Buono is based in Sunnyvale California. Her first ebook is about women's health, Birthing Ways Healing Ways and her recent one is about cancer prevention, Curated Healing Ways. She had helped women have holistic childbirth as childbirth educator, founded Motherhealth, to serve seniors in the bay area with holistic caregivers and blogs at www.clubalthea.com with more than 10,000 health and finance related posts.
Connie trains her own caregivers, which are the favorites of most bay area seniors who are home bound and alone.
She is active in the rehab and nursing facilities, volunteering on music and movement for seniors.
She is a member of Lion's club and offered scholarships to students in the Philippines.
She is active at churchinsunnyvale.us and has Fridays Bible home study in Sunnyvale using the recovery version of the Bible , free at biblesforamerica.us
She loves dancing and teaching and her courses can be found at
https://teachclub.com/@thriveafter60
She is California Life Insurance licensed providing life insurance for older adults with health issues and helping women retire safely with income for life.
at menloassetca.com , she helps with 401k rollover.
3 Benefit plans
- Mortgage protection using term life insurance to pay for mortgage balance in event of death
- Final Expense plan using Single Issue Whole Life Insurance, with cash back, disability benefit and guaranteed in the presence of health issues
- Fixed Index Annuity retirement plan for safe, accessibility, less fees, less taxes, avoids probate as it goes directly to beneficiaries, rate of return with no downside market participation.
She brings compassion and understanding to the needs of her clients, bringing holistic approach in health and life insurance. Her goal is to free families from worries especially during covid with caregivers and life insurance in the presence of health issues, especially for women.
She can be reached at 408-854-1883 , motherhealth@gmail.com
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