Safe Money

Safe Money Programs

You work hard to save money for an enjoyable Retirement or to take care of your cash flow needs during working or your retirement years. Unfortunately, it is not what you make or save but what you keep that helps you in your future financial needs. Your savings can lose their future value for:

Inflation
Losses in Stocks or Real Estate investment holdings
Taxes
Untimely death that can adversely impact your young children’s future
Low financial returns etc.

Our Safe Money Programs:

Protect your savings from any losses if the stocks go down.
Provide you with market-based returns often times exceeding the stock market returns in good years!
Provide you income free from Income Taxes even if the Taxes are to go up in the future
Financially protect your loved ones in case of untimely death
Deliver multiple returns on the same money that can result in 200% to 400% of market returns!!
Can produce guaranteed income for Life even if you live to 120 years!

Disclosures: Not applicable to all clients. Results will vary depending on amount and length of contributions; Product and Strategy selected; future Stock Index returns; underwriting of client’s financial and health conditions; and other non specific issues. Use the concepts for information purposes only. Values and benefits are not guaranteed unless the column is marked guaranteed. Actual returns will depend on future stock performances and other factors. This presentation is about using Insurance Products, mainly Fixed Index Annuities and Index Universal Life Policies to help a Client’s Retirement needs and/or provide Financial Protection in case of a loss of life or provide client with Financial Living benefits. Ask your Agent or Advisor on how to minimize the impact of surrender charges, if any. Numbers shown are for illustration purposes only and actual values will vary based on individual age, health , company and product selected and other underwriting guidelines, as applicable. Please consult with your own Tax Attorney, Estate Planning Attorney, Accountant, Financial advisor and your Family or Business Attorney for any specific Legal, Tax, Investment or Accounting advice, and to determine the appropriateness of any specific plans discussed. Use the concepts for long term retirement planning only. If not structured properly IUL policies can lapse if only the minimum guaranteed returns are credited. In the first three years of most IUL policies due to the surrender charges, there will not be any money available for withdrawal or to borrow from the policy or some companies may not let you borrow back the money in the first 3 years. Unless expressly stated, any US Federal tax related information contained in these materials is not intended or written to be used, and cannot be used, by any person or entity for the purpose of avoiding any Taxes or penalties that may be imposed by IRS. Each company has its own proprietary investment methods that are not shared with the general public. Any analysis shown is not to be associated with any specific company, but should be used as a standalone process on how Index strategy can potentially work. No warranties are being provided with this information and as such please use the examples to get a basic understanding of the process. The expense and rates of return numbers used are for illustration purposes only. Hypothetical returns shown are not guaranteed, as actual future performances will depend on how well the selected stock index performs.