People have been asking if the Kai-Zen insurance strategy (indexed universal life insurance + leverage) will work when interest rates are rising. Rising interest rates is one of the risks with this type of leveraged wealth-building strategy. We will cover how interest rates affect investments, what banks look for and how Kai-Zen stands up in…Read More
Life insurance isn’t a replacement for more traditional retirement plans, but there are some strategic advantages. Supplementing a 401(k) with cash value life insurance can enhance your retirement savings with tax-free distributions, no stock market risk, and more flexibility. We’ll be comparing specifically indexed universal life policies (the type of insurance typically used for wealth building)…Read More
Indexed Universal Life Insurance or IUL is a hotly debated topic in the financial world. Most advisors have a strong bias for or against IUL. If you google IUL, you will find opinions leaning one way or the other. Unfortunately, for the consumer, many of these articles are misleading or just outright false. In order…Read More
Retirement planning poses risks that nobody can anticipate – even if they are diligent about building wealth. Taxes will likely be your biggest expense in retirement. It’s important to build wealth in tax-free options while you are accumulating money. This allows you to take the money out tax-free in retirement. We will explore the tax…Read More
Indexed universal life insurance (IUL) is one of the more innovative wealth-building options available today. First and foremost, it provides a death benefit like all life insurance policies. The difference is that this one also provides a build-up of cash inside the policy. This cash is not exposed to market risk, can be accessed tax-free,…Read More
Leverage allows you to buy a bigger home. You put down 20%, then leverage the rest with a mortgage. We also use leverage when buying cars. You make the down payment and borrow the remainder to purchase a nicer car. Why not get a bigger retirement by using leverage with life insurance? Leverage leaves you…Read More
These are a few of the advantages of an indexed universal life policy. The policy is extremely customizable. Contact us and we will guide you to the best policy design for your situation. Life Insurance Market Risk Protection Potential for Double-Digit Gains Tax-Deferred Growth Tax-Free Distributions High Contributions Liquidity, Use, and Control Guaranteed Loan Options…Read More
How do Qualified Plans compare to an IUL? Learn the truth about 401(k)s, IRAs, 403(b)s, etc. No one likes paying taxes! In fact, most people would prefer to avoid paying taxes today at almost any cost. Many individuals place their money in a 401(k), IRA, SEP, or SIMPLE retirement accounts thinking they are saving taxes.…Read More
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