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The Unconventional Wealth Building Firm made for You

You’ve created the lifestyle you want to live, we’ll help you create the legacy.

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How Can We Be of Service to You?

We specialize in financial services  that align with your goals to help you close the gap between where you are and where you know you should be.

Infinite Banking:

We can help you implement the infinite banking concept as a powerful wealth-building strategy, leveraging specially designed whole life insurance policies to provide a source of liquidity, stability, and growth potential that can enhance your overall financial position.


Infinite banking is a concept designed around a whole life insurance policy that builds cash value which can be used to borrow funds which can be a useful strategy looking to build wealth. This type of strategy has potential tax benefits, easier loan qualifications and asset protection. Some considerations are qualifying the appropriate policy, cost of funding the policy and the intricacies of such a strategy.

Life insurance permanent policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force.  Accessing cash values may result in surrender fees and charges, may require additional premium payments to maintain coverage, and will reduce the death benefit and policy values. Loans are income tax free as long as policy is not a “modified endowment contract” (MEC) and policy must not be surrendered, lapsed, or otherwise terminated during the lifetime of the insured, and withdrawals must not exceed cost basis. Partial withdrawals during the first 15 policy years are subject to additional rules and may be taxable. Excess policy loans can result in termination of a policy.  A policy that lapses or is surrendered can potentially result in tax consequences. You should consult a qualified tax professional for tax advice on your own personal situation.  All guarantees are based upon the claims-paying ability of the issuer.

 


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Life Insurance Retirement Plans:

Our team can assist you in creating a life insurance retirement plan, which is a tax-efficient strategy that can help you accumulate and withdraw funds during your retirement years, providing a steady source of income to support your lifestyle and financial goals.


Life insurance permanent policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force.  Accessing cash values may result in surrender fees and charges, may require additional premium payments to maintain coverage, and will reduce the death benefit and policy values. Loans are income tax free as long as policy is not a “modified endowment contract” (MEC) and policy must not be surrendered, lapsed, or otherwise terminated during the lifetime of the insured, and withdrawals must not exceed cost basis. Partial withdrawals during the first 15 policy years are subject to additional rules and may be taxable. Excess policy loans can result in termination of a policy.  A policy that lapses or is surrendered can potentially result in tax consequences. You should consult a qualified tax professional for tax advice on your own personal situation.  All guarantees are based upon the claims-paying ability of the issuer.

 

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Tax Mitigation

We can help you reduce your tax liability through various tax mitigation strategies that are tailored to your specific financial situation and long-term goals.

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If you’re one of the 78 percent of people that aren’t prepared for retirement, don’t wait until things get worse... We want you to be successful, reach out to us today and see how we can help you stop Surviving and start Thriving.

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