Be Your Own Bank
Your financial future matters, and with infinite banking, progressive debt elimination and tax-free retirement strategies, we empower you to leverage your money to build a legacy. Traditional models have their place, however, it always helps to have the right tools to build that legacy.
Be Your Own Bank
& Tax-Free Retirement Appointment
7 Benefits Of
FIAs for Retirement
1 / The Power of Indexing
Indexing secures retirement by locking in market gains without downside risks. In this example, the FIA captures S&P 500 growth but avoids losses, ensuring retirement safety and preserving principal and gains from market downturns.
2/ Safe and Secure
We represent "A"-rated financial institutions, ensuring excellent financial outlooks for securing your funds. These companies are registered as Legal Reserve entities in your state and must maintain equal liquid reserves to liabilities. States also have guarantee funds, providing extra security and guarantees.
3/ Tax Deferred Growth
FIAs enable tax-deferred, triple-compounding interest. They yield interest on interest and on tax savings. In a 25% tax bracket with 5% annual gain, a $100,000 FIA outperforms a non-tax deferred investment like a bank CD by 12% after 10 years.
4/ Eliminate Fees
Market control is impossible, but fee control is achievable. Many are unaware of fees eroding their savings. FIAs eliminate traditional equity investment fees like load, expense, and 12b-1 fees. Average annual fees for equity mutual funds are 1.50%, causing significant retirement erosion over time. A 20-year graph depicts losses due to 1.50% fees on a $100,000 investment earning 5%.
5/ Eliminate Market Risks
Sequence of Returns Risk is a serious retirement concern, referring to the order of investment returns. A portfolio might have a favorable average return, but if a retiree faces multiple negative returns while withdrawing funds, they could deplete their retirement savings.
The graphic shows actual market returns for different periods of time in U.S. history. Notice how the portfolio with the higher average annual returns results in depletion of the account by age 84 because of Sequence of Returns Risk.
6/ Guaranteed Lifetime Income
Annuities uniquely offer guaranteed lifetime income through Mortality Credits, a feature absent in traditional investments. These credits enable higher withdrawal rates compared to SAFEMAX rates and ensure lifelong paychecks, even if funds are exhausted.
7/ Avoid Probate
* Annuities, just like life insurance, go directly to beneficiaries and avoid probate.
* According to LegalZoom.com, average probate cost is 2%-4% of the estate, with some states as high as 7%.
* If you had $300,000 in an annuity, you could be saving up to $21,000 in probate costs!