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How We Can Help You?

We at Zion Capital Management are proud to offer a full range of financial  services. However, our specialty lies in infinite banking. We believe that this strategy offers our clients a unique opportunity to achieve financial freedom, time freedom, and create generational wealth.

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.

 



Client Centered

Our approach is personalized and hands-on. We understand that every client has unique needs and goals, so we take the time to get to know each person and their financial situation. We educate our clients about financial concepts and products and take the mystery out of investing, insurance, estate conservation, and preserving wealth. Our team understands that retirement can be a challenge, especially in today's economic climate, and that's why we focus on money management and other critical issues that are important to your financial well-being. We are experienced in addressing the many challenges of retirement, including the concern of outliving your money.

 Our experienced professionals are committed to helping our clients achieve their financial goals. We work with you to create a personalized plan that addresses your unique situation, and we help you stay on track with regular check-ins and adjustments as needed. Contact us today  to learn how we can help you achieve financial security and peace of mind.

Services We Offer

 Planning:

 Planning:

We can help you achieve your financial goals by providing  financial planning services that take into account your unique circumstances, risk tolerance, and future aspirations.

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Tax Mitigation:

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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Life Insurance Retirement Plans:

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.

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Fee Based Planning

Fee Based Planning

we offer fee-based planning for those who prefer a hands-on approach to managing their retirement plan. If you consider yourself a "do-it-yourselfer" and would like to conduct a comparative analysis of your current retirement plan, we have you covered. Our fee-based planning service provides comprehensive recommendations tailored to your specific needs.

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Investments

Bonds

Common Stock

529 Plans

Traditional IRA

Roth IRA

SEP IRA

Simple IRA

Brokerage Accounts

Treasury Bills

Government Securities

Treasury Notes

Variable Annuity

Financial Planning

Retirement Plans

401(k) Planning

403(b) Planning

College Plans

Estate Plans

Money Purchasing Plans

Profit Sharing Plans

Insurance

Disability Income Insurance

Life Insurance

Long-Term-Care Insurance

 Looking to get a quote on life insurance but short on time?

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Have a Question?

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For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

kthompson@ewsnyc.com | (804)-214-6711