Wealth Building

What would you do if you could build wealth?

Would you:

• Take a family vacation?
• Start a college fund?
• Invest in real estate?
• Retire earlier?

• You can save time and interest on nearly every debt you have.
• We will calculate the fastest way to pay off your mortgage and consumer debt.
• We will show you how to build a substantial savings nest egg based on your specific income, payments, living expenses, and financial goals.

Eliminate Your Mortgage
While many homeowners realize that they can save money by reducing the interest rate they pay on their loans, few think about the length of time they will be paying. Our program combines innovative software with traditional banking systems to drastically reduce your mortgage term and minimize your interest.

Increase Equity, Build Assets, Create Wealth
The program goes beyond helping individuals, families, and business owners achieve success paying down debt – it also makes it possible to accumulate wealth targeted to each client’s personal financial goals. Simply enter your financial goals, whether it’s to pay off a vacation home, fund early retirement, or pursue your wildest dream.

The Best Supplemental Retirement Plan of the 21st Century!

What You May Be Missing
There is a proven, legal strategy that allows you to invest your savings in an insurance product that has liquidity, fully tax deferred growth, offers stock market returns without the risk of stock market loss, and along with life insurance benefits can provide a lifetime of tax free income?

“It was the fastest selling insurance product of 2011, 2012 & 2013!”

How does it compare to Traditional Retirement Planning?

Most financial advisors would have you use a common approach: First use a diversified asset allocation program to alleviate the exposure to the risk of the equity markets to try to take advantage of the historical growth of the stock market. Secondly, they would suggest that if at all possible, you should maximize the use of government sponsored qualified plans like 401k’s, 403b’s, SEP’s, & IRA’s to defer taxes on the growth of your savings with the prospect that taxes will be less for most, later in life.

How has traditional planning worked in recent times?
While the stock market has historically been an engine of wealth creation, it has had its ups and downs and most recently many more downs than usual. Historically the market has averaged one down year for every seven up years. Recently that hasn’t been the case with three down years and one flat year in the last 13. Of late, people that have relied on the equity markets for retirement account growth have not fared very well. The risk that this will happen again in the future is quite likely and the risk of extended bear markets after large downturns does not make for an early recovery from these downside events and made many forgo and delay their initially planned retirement.

The Tax Increase Challenge:
Along with the potential for market loses there is the other problem that most, if not all of us will face, the opportunity for even higher taxes in the future. The major flaws in government sponsored qualified plans has to do with taxes and tax penalties. If you need access to your retirement savings before age 59 ½, you will have to pay taxes based on your current income and a tax penalty of 10%, if you wait until you are 60 years of age or older you are still subject to taxes at current rates, and if you don’t start taking a minimum amount of the money out after you reach age 70 ½ then you will then be subject to taxes at the current rates plus a penalty of 50% on the money that should have been withdrawn. Those in the highest marginal income tax brackets rarely if ever retire with a significantly lower tax bracket, and the argument for delaying taxes to some future date when tax rates are supposedly going to be lower is generally an unfulfilled promise.

It appears that future taxes will probably be higher for most, not lower, due to an exploding national debt as well as tens of trillions of unfunded promises to fund Social Security and Medicare. Since a great deal of money will be required to fulfill these government promises the only people that will be taxed to pay for this will be people with taxable income. All monies taken out of qualified plans are taxable, at the then current rates when income is taken. It is a simple math problem, with taxes probably having to go up in the future; it just makes sense to pay the taxes sooner than later.

“The only people that will be taxed, to pay for this, will be the people with taxable income.”

For more information, please click here for our downloadable .pdf form

Call: 205-987-2350 to start your journey to financial success.