Category Archives: safe income strategy

How To Eliminate Stock Market Losses & Taxes on Your Retirement Income

How To Eliminate Stock Market Losses & Taxes on Your Retirement Income

Fed up with market volatility and gut wrenching stock market losses?  Looking for stability and steady reliable income?

Fed up with volatility and gut wrenching stock market Losses?
Fed up with volatility and gut wrenching stock market Losses?

After the Financial Market melt down of 2008 & 2009 many began searching for answers.  I know I did.

Financial Market Melt Down of 2008
Financial Market Melt Down of 2008

After a long search I discovered a little known IRS strategy that the wealthiest American Families had been  using for years to cut taxes and preserve capital.

The strategy is very powerful and it works. Watch the Retirement-Toolbox short video to learn more.

https://www.youtube.com/watch?v=lJf2Qm42xjw

The under the radar strategy is known as a tax-free pension alternative, the Tax-Free IUL and Living Benefit Life Insurance.

It has powerful features and benefits:

  • You don’t lose money when the markets go down!
  • Share in Market Upside when Markets go up!
  • Earn Reasonable Rates of Return!
  • Gains Locked In Annually!
  • Tax-Free Penalty Free Withdrawals at any age!
  • Tax-Free Income You Won’t Outlive!

So if you are fed up with volatility , stock market losses and heavy taxation of retirement plans, learn more about this easy to implement strategy.

Request an illustration and a Free Retirement Plan Comparison.

Free Retirement Plan Comparison
Free Retirement Plan Comparison

 

Keeping Your Money in Low Yielding Bank CDs?

Keeping Your Money in Low Yielding Bank CDs?

Rolling over money in low yielding Bank CDs?  You could be earning 6% to 9% tax-free with no downside risk.  Ask me how.
Rolling over money in low yielding Bank CDs? You could be earning 6% to 9% tax-free with no downside risk. Ask me how.

There are tax-free safe income alternatives.  America’s wealthiest families have been using these alternatives for years to cut taxes and eliminate stock market losses.

These IRS strategies are not well known.  Most advisors have not heard about them or they have not realized how powerful the strategies have become.

Watch the Retirement-Toolbox video to learn more.

https://www.youtube.com/watch?v=3rZMAVlNieI

Request an illustration and Free Retirement Plan Comparison.

Free Retirement Plan Comparison
Free Retirement Plan Comparison

 

Tax-Free is Better: Sara’s Story Demonstrates the Power of the Tax-Free IUL.

Tax-Free is Better: Sara’s Story Demonstrates the Power of the Tax-Free IUL

Sara 68 understood the Living Benefit Life Insurance concept.  The tax-free death benefit was another plus.

https://www.youtube.com/watch?v=zROM_C0irQ4

Sara had been stuck in a 1% World of Bank CDs. Worried about stock market losses, Sara kept her money in low yielding Bank CDs.  This impacted her life style and her ability to leave a legacy to her children and grandchildren.

Sara was stuck in a 1% World of Bank CDs.  She discovered tax-free is better with the tax-free IUL.  The Power of Living Benefits Life Insurance made a big difference in her life style.
Sara was stuck in a 1% World of Bank CDs. She discovered tax-free is better with the tax-free IUL. The Power of Living Benefits Life Insurance made a big difference in her life style.

We introduced Sara to the Tax-Free Pension Alternative, also known as living benefit life insurance or the Tax-Free IUL, where you don’t lose money when the markets go down. Sara would need $3,400,000 in CDs to generate the same after-tax income that $300,000 invested and accrued for 4 years will produce based on projected returns that are below historical averages. Sara loved this safe income strategy.

Request an illustration and free retirement plan comparison.

Free Retirement Plan Comparison
Free Retirement Plan Comparison

Wealth Creation with Tax-Free Retirement Plans

Wealth Creation with Tax-Free Retirement Plans

https://www.youtube.com/watch?v=aprBQuxWmHc

Retirement Strategies: Tax-Free Retirement Plans

Tax-Free Retirement Plans are a tax-free pension alternative to IRAs, 401(k), & 403(b) retirement plans
Wealth Creation: Tax-Free Retirement Plans are a tax-free pension alternative to IRAs, 401(k), & 403(b) retirement plans.

Tax-Free Retirement Plans, known as living benefit life insurance or the tax-free IUL is truly a wealth accumulator.  You benefit from the power of tax-free compounding.  You can access your money income tax free and penalty free when you need it, at any age for any reason.

This little known IRS  strategy has been used by the wealthiest top 10% of American Families, including the top 1%  for more than 20 years to cut taxes and preserve capital. The strategy has been known to double, even triple after tax income compared to 401(k) and 403(b) retirement plans.

Your new Tax-Free Retirement Plan or Tax-Free IULs is an IRS  Alternative To 401(k) and 403(b) retirement plans with no downside risk.

This tax-free pension alternative is also known as a tax-free retirement plan and living benefit life insurance.  It has been called a perfect solution.

  • You don’t lose money when the markets go down!
  • Share in Market Upside when Markets go up!
  • Earn Reasonable Rates of Return!
  • Gains Locked In Annually!
  • Tax-Free Penalty Free Withdrawals at any age!
  • Tax-Free Income You Won’t Outlive!

More information visit https://www.tax-free-retirement-plans.com

Request an illustration and a free retirement plan comparison.  The Wealth Creation can be phenomenal.

yourplancomparison

CD Killer – Discounted Designer Annuities Video

The CD Killer – Discounted Designer Annuities Video

https://www.youtube.com/watch?v=vOYJP77fqVQ

Discounted Designer Annuities are paying more than 7x the One year Bank CD rate and more than double the Ten year U.S. Treasury. This Safe Income Option is a great alternative to Bank CDs and Treasuries.  It has been called a CD Killer.

Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities
Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities

See our post on the Safe Income World Video

If you are stuck in the 1% World of Bank CDs, there are options paying 5% or more, with no downside risk. We call these options our Safe Income Strategies. Explore them.  You will be glad you did.

You can find more information on this site and at

retirement-toolbox.com

Safe Income World Video

Safe Income World Video

You don’t have to stay stuck in a 1% World of Bank CDs because you fear stock market losses.

Discover a new Safe Income World where you can earn 5% with new Safe Income Strategies.  Watch the video.

https://www.youtube.com/watch?v=DHG2c-WF0uY

We discount secondary market annuities and structured settlements and you can earn
5% plus. The income streams are guaranteed by insurance companies

Safe Income Strategy #1

The CD killer.

Moves people from a 1% to 2% world of Bank CDs to a 5%+ world of Guaranteed payments by top rated insurance companies, many of which have been around for more than 100 years.

CD Killer Discounted Designer Annuities from top rated insurance companies.  Welcome to the Safe Income World
CD Killer Discounted Designer Annuities from top rated insurance companies. Welcome to the Safe Income World

We discount future cash flows. We provide liquidity where no liquidity exist to people who need cash now. The payments we acquire are guaranteed and paid by top rated insurance companies. 

Discounted cash flows is a 4000 year old idea which has been applied to a niche in the insurance industry.

We are able to take advantage of a secret the insurance industry doesn’t want you to know.  A secret that is hidden in plain sight in every annuity and life insurance policy…the right to sell, assign or transfer your policy.

Using this knowledge, we are able to cash out annuities and structured settlements. This works for the seller because there is no provision to surrender an annuity or structured settlement once payments have begun. The insurance companies have locked in a long term low interest liability and they are unwilling to extinguish this liability prior to maturity. They are earning higher rates of return than they are paying out, and they won’t give up the positive spread.

You get a steady, dependable income you can count on, that’s paying more than bank CDs, money markets or treasury’s and without the downside risk of stocks, bonds or mutual funds.

 

 

Do You Understand Longevity Risk?

Do You Understand Longevity Risk?

Longevity risk is the risk of outliving your income.  Watch the Retirement-Toolbox video below.

If you retire in your 60s or 70s, your money might have to last you 30+ years.  Many people run out of retirement income in 7 to 10 years.

  • Withdraw too much money in the early years of retirement
  • Heavy taxation of retirement plans were not considered
  • Risky investments caused big stock market losses.
  • Did not save enough
Longevity Risk.  Will you be strapped for cash in your retirement years?  You can do something about this if you act now.
Longevity Risk. Will you be strapped for cash in your retirement years? You can do something about this if you act now.

Our 3 Safe Income Strategies are focused on keeping your money safe, generating a steady reliable income you can count on, paying more than BankCDs, Money Markets & Treasuries, without the downside risk & yo-yo volatility of stocks, bonds, mutual funds or commodities.

These Strategies work.  During the Financial market melt down of 2008 & 2009, when many people saw their IRAs, 401(k)s & other retirement savings cut in half, none of our clients lost money using these strategies.

Their money was safe & secure, their income steady & reliable.

https://www.youtube.com/watch?v=lFk7n8IRCFQ

Looking for a Reliable Income Stream?

Looking for a Reliable Income Stream?

Reliable income you can count on brings peace and comfort.  You  can earn 7x the Bank CD rate with discounted designer annuities.

Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities
Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities

Discover how to generate a safe steady reliable income you can count on, paying more than Bank CDs, Money Markets & Treasuries without the downside risk and yo-yo volatility of stocks, bonds, mutual funds and commodities

We Offer Three Safe Income Strategies that are focused on Keeping your money safe.  Generating a steady reliable income stream you can count on. Paying more than Bank CDs, Money Markets and Treasuries and without the downside risk and volatility of stocks, bonds and mutual funds.

The Safe Income Strategies work.

Steady reliable income with no downside risk
Steady reliable income with no downside risk

During the Financial Melt down of 2008 & 2009, none of our clients lost money due to market volatility with these strategies.

Their money was safe and their income was steady and reliable.

https://www.youtube.com/watch?v=18VpMxkNpmk

Capital was secure and their Income was steady and reliable.

 

Discounted Designer Annuities

Discounted Designer Annuities

Discounted Designer Annuities

7xBankCDrate

Choose A Designer Annuity for a Steady Reliable Income Stream Paying More Than Bank CDs and Treasuries

Designer Annuities provide a steady reliable income you can count on. Many can be purchased for yields 5 times greater than a one year Bank CD.

So if you are stuck in the 1% to 2% world of Bank CDs or the 2% to 3% world of long term Treasuries, you can become unstuck and enjoy the safe income streams offered by these designer annuities. Your money will grow faster and/or you will have more of it to spend with the higher yields offered by our designer annuities.

They are issued by top rated insurance companies, names that you know. Many of these companies have been around for 100 years or longer.

Designer Annuities can be perfect for self-directed IRAs 401(k)s Trust and Custodial Accounts. They can be used to fund charitable pledges for pennies on the dollar and for those seeking current or future income.

Read more …

Designer Annuities2

Safe Income World For You.

Safe Income World  For You.

Safe Income Options

Our Safe Income Strategies are focused on keeping your money safe, generating a steady reliable income stream you can count on, without the gut wrenching volatility and downside risk of stocks, bonds and mutual funds.

There are new safe income options you are probably not aware of. Until recently, they have been closely guarded secrets, known to a small group of originators, a few billionaires and a handful of hedge funds. This group had no incentive to tell you about these options. In some cases they had signed non compete, non disclosure and non circumvent agreements that prevented them from telling you. Now, this multi-billion dollar niche market has been opened to high net worth, accredited investors. We were able to convince the originators to open a new funding channel.

Discount Designer Annuities

Discount Designer Annuities

Yields too high to publish.

Payments are Guaranteed by top rated insurance companies: Allianz, Met Life, NY Life, Prudential, Allstate, Genworth John Hancock etc.

How Discount Designer Annuities work: When someone buys an immediate annuity (SPIA), elects to annuitize a deferred annuity or is receiving a structured settlement annuity payments, they no longer have a surrender option. They are stuck with the payment stream.

The reason is the Insurance Company has locked in a long term low interest liability, and it is making more money on the premiums it receives than the benefit it is paying out. That is how the Insurance Company make its money. The Insurance Company is unwilling to give up its locked in profits. It is locked in its profits by buying long term bonds. If it has to sell the bonds prior to maturity, it could incur investment losses, and this is not fair to its shareholders and other annuity holders.

Read more …