HIGH INCOME EARNERS SAFE RETIREMENT IDEA

Vern Nichols — Mon, 04 Jul 2011 19:06:23 +0000

• Tax-Free Retirement for High-Income Earners (and Everyone Else).
Index Universal Life (IUL) Insurance is for you if you are:
1) Already a Tax-Qualified Plan contributors (you are contributing to your company’s 401k, IRA, etc),
2) High-income earners making more than $160,000 per year (individually or jointly as married couple),
3)Individuals who want to save more than $4,000 per year in a tax-favored environment.
Let’s do the final check. If you find yourself having a “YES” more than two or three of these options below, then very likely IUL is a great strategy for you:
 I am someone who wants to receive tax-free income during retirement.
 I am someone who wants to build a college funding plan for my kids, and then some.
 I am someone who has a need for life insurance.
 I am someone who wants to save more per year than what a Roth IRA allows.
 I am someone who is currently investing in a tax-qualified plan above the company matched contribution.
 I am someone who is contributing to a deferred compensation plan.
 I am someone who makes more than $160,000 per year (individually or jointly with my spouse).
 I am someone who has a desire to multiply my assets for the benefit of something I believe in.
If you answered YES for more than two or three times of the questions above, then our recommendation is to setup a personal consultation with one of our experts.
You will also get The Retirement Miracle book complimentary as a gift from us when you do your personal consultation.
• Tax-Free Retirement for Physicians/Doctors.
Many doctors make more than $160,000 per year, which is the phase-out limit for being able to contribute to a Roth IRA. Therefore, they have no tax-free retirement option available to them other than life insurance. And even for those who make less than the phase-out limit, a Roth IRA only allows a few thousand dollars per year for the contribution amount.
Doctors generally need IUL because:
 They need to protect a large income for their families.
 They carry high debt (often this is due to starting out in debt from large medical school bills and low wages during their residency and internship years).
 Protection from lawsuits. For individuals in high-income professions, especially physicians, due to the threat of a malpractice suit, this can be a good solution.
• Tax-Free Retirement for Business Owners.
Many business owners don’t get started putting money away for retirement than for most other professions because:
 Money is lean in the early years, thus they don’t begin a habit of saving right from the start.
 The business is hungry. There is always something that is calling for more cash.
 Most business owners start their business by acquiring substantial debt.
 Most business owners are so engrossed with starting and running their company that they haven’t taken the time to research where they would save money even if they could.
 Many business owners who can and would save money for retirement don’t want to use tax-qualified plans because funding a plan for themselves means that they usually need to fund it for their employees as well.
Index Universal Life Insurance is the perfect retirement solution for business owners because it overcomes all of the obstacles above:
 Index Universal Life Insurance can provide Tax-Free income if it is properly funded.
 Business owners need life insurance to cover their business debt and to provide for their families if they were to die.
 Since Index Universal Life Insurance is not considered a tax-qualified plan according to the IRS, there is no requirement for the business owner to fund a similar plan for his or her employees.
 It’s simple and easy. There are no separate record keeping or tax forms required (Uncle Sam doesn’t even know when an individual policy exists).
 It provides instant liquidity (for pennies on the dollar) to the owner’s heirs or estate if the owner decides to keep the business until his or her death.
 Cash value can be treated as Asset to the company.
• Tax-Free Retirement for for Children and Grandchildren.
 It has NO age or income requirements for contributions (you can start this for your children or grandchildren the week after they are born and let it accumulate during all those additional decades of their lives.
 It grows without annual taxation.
 The money can be accessed tax-free.
 It is incredibly flexible since you decide the payment methods.
 The actual cost of insurance is very inexpensive because it is based on the age of the child.
 You decide when (if ever) to transfer ownership to the child.
Index Universal Life Insurance is the perfect option for your children or grandchildren.
This could be the greatest gift a parent or grandparent could bestow upon the next generation. A gift your kid will never be able to repay. A gift that will produce a harvest long after you are gone. A gift that could make a difference in the lives of thousands if your child or grandchild follows the principle set forth above.
Conclusion: Why wait? By using the Indexed Universal Life (IUL) Insurance, you never have to factor in any negative numbers (it’s contractually guaranteed to NEVER have a negative return. EVER). Not in a year. No matter how much a stock market goes down.

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Vern Nichols — Wed, 29 Jun 2011 19:02:59 +0000

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Vern Nichols — Tue, 18 Jan 2011 11:47:46 +0000

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HIGH INCOME EARNERS SAFE RETIREMENT IDEA

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