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Over 80% of Americans will live through a major medical event (heart attack, stroke, cancer, major auto accident) at some time in their lives. Even with health insurance, medical debt can be financially crippling.

Enter Living Benefits. Living Benefits provides you with an instant cash reserve, a safety net, that will help you pay the bills while you recover- because the last thing anyone needs is financial distress or financial insecurity while dealing with healthcare issues and those stressors. These are expanded benefits that replace both your disability insurance and overly-expensive (if you can even afford it!) long-term care insurance. No more having to choose between being insurance-poor and being protected!

Living Benefits have saved people’s homes, businesses, and families from financial disaster after unexpected life events.

Does this sound like it could be an amazing lifesaver for you and your family?

Schedule a free consultation here, or contact us at [email protected] to see how this could fit into your family's finances.

Americans’ top financial concern is "not having enough to last throughout retirement."

How do you protect yourself against the biggest worry of all?

We use flexible, tax-advantaged vehicles that grow when the market grows, and also protect you against market losses. This is an extremely powerful tool- we often underestimate the lifetime impact of market losses.

Never Lose Your Savings Again

Warren Buffett once said, “Rule number one: never lose money. Rule number two: never forget rule number one”. But what assets even exist that protect you against losses?

We use indexed accounts to protect our clients. (These are not the same as an "indexed fund”, which is a stock market investment.) Indexed accounts allow you to participate in the upside of the market, while protecting you completely against the downside. They can be structured as an IRA; a Roth; or a tax-free indexed account (TFIA), which have fewer rules than the IRS alphabet-soup of retirement accounts.
How do indexed accounts protect you? In a down year, you wouldn’t lose a dollar; that feature is built-in to your account and will never change. So what’s the catch? Well, when there is a good year in the market, your savings would grow too; but when there is a fantastic year in the market, there would be a cap on your growth. Caps are generous, and our clients are happy to give up some of the upside potential, so that they never have to participate in the downside.
Indexed accounts are a great way to diversify- and a fantastic place to safeguard the money you can’t afford to lose.

Never Run Out Of Money

Then, once you're ready to retire, you turn on an income stream that guarantees you income for life.

You’ve worked for your money; now get your money to work for you.

Curious about how indexed accounts might work for you?

Schedule a free consultation here, or contact us at [email protected] with your questions.

401(k), 403(b)/ 457(b), IRAs and Roth IRAs

Do you know what happens to your retirement plans when you leave your employer? Nothing. Often, your plan just languishes in a dark corner- plus, you're still paying the same high fees. As you can imagine, that savings does not grow well.

And depending on how the economy is doing, you might even be losing your hard-earned money! Check out our section on this page "Indexed Accounts" to see how we protect you against losses.

Want to make your old 401(k) work for you again?

Schedule a free consultation here, or contact us at [email protected] with your questions.

Some people feel- or were raised to believe- that wealth accumulation is either A) out of reach, or B) requires substantial investment in the risky stock market. Luckily, neither of those things is true!

We believe that all Americans have the right and the ability to reach financial self-sufficiency and accumulate wealth, and we use common financial principles to help you achieve those goals.

The first place we start is by reducing your tax burden- one of the most time-tested ways to accumulate wealth. Every dollar you don’t have to give to the government is an extra dollar that can grow over time- for you.

Then, we combine those increased dollars with the growth potential of our indexed accounts. Indexed accounts have a secret weapon that we use all the time: they are naturally insulated against losses that you see in the stock markets and other risky financial vehicles.

Do You Want to Supercharge Your Savings?

Then schedule your free consultation here, or contact us at [email protected], to see how this strategy can work for you.

Refinancing your mortgage can get you lower payments, better terms, and a more comfortable lifestyle.

Wouldn’t you want do this for your own household finances?!

When you're interested in refinancing your own finances, we help you look at your full financial picture. We collaborate with our trusted partners to help you reduce your expenses; reduce college debt; improve your credit score; reduce your tax burden; and/or increase your take-home income.

You can pay off debt faster, save more, or both.

Want to Refinance Your Finances and get back on financial track?

Schedule a free consultation here, or contact us at [email protected] to see which options will work best for your household.

The 529 plan is a common savings vehicle for college planning, but consider this: 529 funds must be carefully tracked and used only for “qualified” college expenses- or else you will face both taxes and penalties on the college money you’ve saved so carefully for.

There are also other issues that you can explore in one of our Smart Money Minute articles about 529 plans- namely, that 529 savings cannot be used if it turns out that your child isn’t college material.

But don’t you want to help your child’s future- no matter what- with no extra taxes and penalties?

Use a More Flexible College Savings Plan

The program we recommend is extremely flexible. You can pay for college tuition and fees, or an apartment while they're at school. If they're not college material, you can help your child start their own business, or you can pay for vocational school - a car - the down payment on a home - and more. Your imagination is the limit!

Want to help your child prepare for their best, brightest future?

Schedule a free consultation here, or contact us at [email protected].