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I am not a Financial Advisor or CPA..  My goal is to help you understand IUL's and how they can be an amazing product to help you reach your future dreams and goals.  

Index Universal Life - IUL's EXPLORED

Some people dream of success...We make it happen!
Dress for Success


We'd like to see you reach and fullfill your dreams now and in the future. 

We think outside the box and use a strategy that will allow you to reach your financial goals, dreams and protect your family; all at the same time.


We love what we do and we love bringing our success to our clients.

Best way to grow my money


We are a different type of business as we provide ways to grow your income for use NOW and in the FUTURE.  We have ways that include Tax Free and Tax Advantaged Cash Accumulation...No Adverse Market Risk, include Living Benefits and more!


Our solutions are innovative and brave, while at the same time being based on industry knowledge and key strategies. We've done the research for you.

Social Security and your Financial Future


We are expert strategists, helping our clients with their most complex strategic challenges and building tailored solutions to help them achieve the best Cash Accumulation so they can acheive their dreams.

We begin by helping our clients choose where to focus in order to get the most effective boost to their business. We aim to find the quickest route to the success they wish to accomplish.  Let's Talk!

IUL - Indexed Universal Life at a Glance - What is the Index Fund Advantage and how can you take advantage of it for Cash Accumulation?  Let's take a look at this Great Tool for Cash Accumulation, that few know about. How it can help you grow your Income with NO RISK for your future?  I'll show you how.  My Goal is to help Your Dreams Become Your Reality.

Power of Choice: IUL - Indexed Universal Life working for you!

Now is the time to Prepare for your Future… 


Have you planned correctly for your Future?  Do you have a plan in place to provide what your Social Security Benefits will not cover?  Will Long Term Care eat up your Retirement Savings? Make sure to plan ahead by putting an IUL cash accumulation insurance plan in place.


Throughout your life, you’ve budgeted, saved and prepared for your future with great preparation, but are you truly financially ready? There is so much that can happen throughout your life and especially during your elder years which can throw all the work you’ve done right out the window. Many people forget to take into consideration the very real possibility that, at some point, they will require long-term care. It pays to be ready.


Why spend a lifetime saving only to have it gone within a few years…Don’t let LTC needs eat up your Retirement Funds. It pays to save not only for Retirement but to also make sure to include LTC in your Cash Accumulation of you choose not to purchase a LTC plan.


Statistics show that of people who turn 65, 70% can expect to use some form of long-term care during their lifetime, and 20% of people aged 65 will need this type care for more than five years.  How Much Will You Need?


Estimated Costs During Retirement: (20 year estimate)


Necessary Living Expenses:

Medical: $220,000 (for Part B, Med Sup, Drugs, Deductible, Co-pays, etc.) Plus $104/month up to $640/month deducted from your Social Security Benefits (before you get them) for Part A.


Food: $219,000 ($10 meal x 3 times a day, x 365 days x 20 years)

Housing: $20,000 to $40,000 (Many still have 10 or 20 years of House Payments remaining)

Total for Necessary Expenses $459,000 – 479,000…or more

That’s about $1912/month – 1995/month…or more


And What About...


Desired Fun Living Expenses:

Vacations/Travel, Airfare/Hotels: ??

Kids College Funds: ??

New Car: ??

Hobbies: ??

Golf Membership: ??

Retirement Home/LTC: ??

Other: ??


The national median monthly rate for a stay in an assisted living facility was $3,450, up 4.55% from 2012. A nicer center can be upwards of 5,000 – 7,000/month.


What’s wrong with this picture...Do you have enough to cover the gap Social Security will not cover?  How about Long Term Care expenses if that arrises?


Retirement used to include: Personal Savings, Company Pensions and Social Security. This formula does not work the same today as it would have in the past. It’s time for a change for your future where personal responsibility is needed now days. You need to know all the options available so you can grow your money in the best possible vehicle.









The Power of Time…Your worst enemy is waiting. The longer you wait to accumulate cash the less you will accumulate. If you are looking for a 1 million dollar cash accumulation you would need 8% tax-deferred/tax free interest accumulation for a period of 40 years at $286.45/month. However, you would need to invest $435.94/month for 35 years to reach 1 million…or $670.98/month for 30 years. And if you put off saving till you have 15 years left to retirement you would need 2,889.85/month to reach that same million. Most do not have almost 3k to invest to reach a retirement goal of 1 million dollars in 15 years time.


Let’s add to the above inflation…as we all know that inflation keeps one from reaching their goals as much as taxes can. If you divide 72 by the rate of return being earned (interest rate) you will obtain the approximate number of years it takes for your initial cash to double. Example: 72 divided by 8=9 years to double your cash accumulation. So, if you put $20,000 into an account with 8% rate of return at age 29, you would have about $320,000 accumulated for future use at age 65. So the higher the interest rate the faster your money will double.


And, what about the turbulence of the market ups and downs. You need to choose a vehicle that will not be infected by all of the above in order to reach your retirement cash accumulation goals in a decent amount of time. IUL's offer no downside market risk dut to crashes and your money grows tax-free, and comes out tax-free.  This helps you earn the most possible, with out any risk...a great way to beat inflation.


Some things to keep in mind: A loss in the market can hurt more than you think…Let’s say you have $10,000 in the market and it drops 50%…a 50% gain as the market regains momentum only provides you a total of $7,500 (not the full $10,000 that was previously in the account). A 100% gain is actually going to be required to recover your 50% loss.


Reducing the Impact of Taxes to tax deferred/tax exempt/tax free adds to the great features and solutions which most IUL policy’s offer.


It’s time you manage your rate of return and risk. An IUL has features imbedded to protect you tax wise, inflation wise and from the ups and downs of our volatile market.


Achieve your future dreams using an IUL - Indexed Universal Plan, as a vehicle for your cash accumulation goals and dreams.. It can help you reach your retirement plans and LTC needs when structured and funded properly. Now is the time to include LTC funds in your cash accumulation planning for your future protection.


Strive to outpace inflation, reduce taxes and build a family legacy using an IUL - Indexed Universal Life Vehicle for your insurance needs.


Protect your wealth now and into your future by beating market crashes, taxes and inflation all in one product….Gain Peace of Mind!


Let's Talk IUL for your Future Dreams.  


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