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



Read Our Latest Blogs

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Save Your Ass...ets

May 25, 20232 min read

Save Your Ass...ets

Fixed annuities are a type of annuity that can provide a level of protection for a portion of your retirement accounts when the markets crash. Here are some key points to consider:

What is a fixed annuity?

- A fixed annuity is an insurance contract that guarantees the buyer a fixed rate of return on their contributions for a specific period of time.

- The principal investment is not invested in the stock market, but rather with the insurance company, which means that the original investment is safe.

- Fixed annuities are not affected by market crashes, and they will continue to earn interest or provide you with income as specified in the contract.

How do fixed annuities compare to variable annuities during a recession?

- During a recession, variable annuities pose much more risk than fixed annuities because their performance is tied to market indexes, which recessions tend to pummel.

- The value of a variable annuity fluctuates and poses the greatest risk to an investor during a recession.

- Though fixed annuities provide peace of mind during recessions, they tend to underperform, at least compared with their variable counterparts, when the economy is doing well.

Why are fixed annuities a good option during a market crash?

- Fixed annuities provide a level of protection for a portion of your retirement accounts when the markets crash.

- They can provide a guaranteed income stream for life, which can help ensure that you have a steady stream of income during retirement.

- Fixed annuities can also provide a level of predictability and stability during times of market volatility, which can help reduce stress and anxiety.

What are some drawbacks of fixed annuities?

- Fixed annuities tend to have lower returns compared to other investment options, such as stocks or mutual funds.

- They may also have higher fees and surrender charges, which can reduce the overall return on investment.

- Fixed annuities may not be suitable for all investors, and it's important to carefully consider your financial goals and risk tolerance before investing in one.

In conclusion, fixed annuities can provide a level of protection for a portion of your retirement accounts when the markets crash. They offer a guaranteed interest rate and principal protection, which can provide peace of mind during times of market volatility. However, it's important to carefully consider the potential drawbacks, such as lower returns and higher fees, before investing in a fixed annuity. As with any investment, it's important to consult with a financial advisor to determine if a fixed annuity is a suitable option for your financial goals and risk tolerance.

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