Giving you an uncensored view of what's really going on with your money and what's possible.
We flip up the hood, and debunk the myths to help you take advantage of the Insurance/Financial Services Industry
Use the same Insurance Policies and Tax Codes the wealthy do to protect and grow your money
Our Services
Tax-Free Retirement Accounts (TFRA)
Your financial advisor probably haven't told you about these accounts, nor do they know how to set them up legally to be tax-free for the account holder.
This will Lock in your gains with a Zero floor
They can offer payment Flexibility
Provide Tax-Free Income using the US Tax Code
Establishes a Safety Net should something happen before you can invest enough to retire.
See if it's a good fit and if you qualify, set one up correctly.
Then enjoy knowing Uncle Sam can't tax you on this stash of cash.
Asset Protection
The #1 question you should be asking your Financial Advisor about your retirement
You have worked hard and hopefully invested wisely to accumulate the assets that will provide for a comfortable retirement.
Taking a loss at this point can be catastrophic and delay your retirement or eliminate it completely.
Simple steps can be taken to remove this risk and allow you to still grow your money without risk of market losses or outliving your resources.
Right about now you should be asking yourself why your financial advisor cant provided a solution that GUARANTEES the safety of your retirement funds?
Mortgage Protection
If you own a home with an outstanding loan balance this maybe an option for you to consider. Simply put this ensures your family wouldn't struggle to pay the overhead should something happen to the main breadwinner in the family.
The hard truth is most household spend hundreds of dollars every month on frivolous expenses yet they still have nothing in place to cover the mortgage payments and replace lost income when illness or tragedy strikes.
The REAL truth about all those mailers
Learn about your options
Relax knowing everything is covered as needed
The J & P
Keeping the Life in Life Insurance
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Pang-Nhia
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Mortgage Protection at its best.
Why Do People Not Have this?
We are always shocked to see so many families without this most basic financial tool...Mortgage protection, insurance that can provide peace of mind for homeowners who are concerned about their ability to make mortgage payments in the event of an unexpected financial hardship. Here are some key points to consider:
What is mortgage protection insurance?
- Mortgage protection insurance is a type of insurance that pays off your mortgage in the event of your death, disability, or job loss.
- It can provide peace of mind for homeowners who are concerned about their ability to make mortgage payments in the event of an unexpected financial hardship.
- Mortgage protection insurance is not the same as private mortgage insurance (PMI), which is required by lenders when a borrower puts down less than 20% on a home purchase.
What are the benefits of mortgage protection insurance?
- Mortgage protection insurance can provide peace of mind for homeowners who are concerned about their ability to make mortgage payments in the event of an unexpected financial hardship.
- It can help protect your family from losing their home in the event of your death, disability, or job loss.
- Mortgage protection insurance can also provide a level of predictability and stability during times of financial uncertainty, which can help reduce stress and anxiety.
What are the drawbacks of mortgage protection insurance?
- Mortgage protection insurance can be more expensive than other types of insurance, such as term life insurance or disability insurance.
- Mortgage protection insurance may also have exclusions or limitations that could make it difficult to collect benefits in the event of a claim. Get some guidance for a licensed professional.
What are some alternatives to mortgage protection insurance?
- Indexed Universal Life Policies are always a good options to consider if you qualify.
- Disability insurance can provide income replacement in the event of a disability that prevents you from working and making mortgage payments.
- Emergency savings can also provide a level of protection in the event of an unexpected financial hardship. But honestly why not get insurance that builds value if you're going to use a saving account to lean on. You can still use the money while you're alive.
In conclusion, mortgage protection insurance can provide peace of mind for homeowners who are concerned about their ability to make mortgage payments in the event of an unexpected financial hardship. However, it tends to be more expensive than other types of insurance and may not be necessary for all homeowners. It's important to carefully consider your financial goals and risk tolerance before investing in mortgage protection insurance or any other type of insurance. As with any investment, it's important to consult with a financial advisor to determine if mortgage protection insurance is a suitable option for your financial goals and risk tolerance.
