Our educational programs provide information to make smarter decisions about alternatives in today’s volatile financial markets that help you protect your hard-earned savings. If you’re looking to capture upside potential without risk, leverage your retirement and secure a family legacy, we can help you learn to do this.  We recommend “safe money” strategies to help you systematically prepare for retirement – and any unexpected financial challenges you may face later in life. Our education program is based on proven financial principles, NOT on products, so what we teach, rings true forever!

We remind all of our clients about the three hurdles obstructing the path between their financial starting point and their personal financial finish line (retirement): inflation, debt and taxes. These are the silent enemies to a secure financial future. The good news is that overcoming these obstacles is possible – with the right assistance and planning.

You can start the journey by putting some thought into the questions below.

  • Have your current financial practices been run through “The Funnel” to find hidden savings?
  • Would you like to know more about creating a “Tax-Free Retirement” and income for life?
  • Do you know how a $5-a-day savings program can make you a millionaire?
  • Does your life insurance include “living benefits” and provide long-term care and disability protection?
  • Would you like to learn more about a tax-deferred IRA alternative that doesn’t include contribution limits?
  • Can you afford to retire tomorrow? If not, when? How much will you need?

Tax Free vs Tax Deferred

Typical retirement plans like IRAs are tax-deferred meaning you are not taxed until you withdraw the money.  When you fund an Indexed Universal Life policy, you do so with after tax income so you NEVER pay taxes on your deposits again.  An Indexed Universal Life policy is like a Roth IRA on steroids because it provides much greater flexibility and protection for you and your loved ones.  The story below explains the tax advantage of this type of plan.

Pay for the Seed, or Pay for the Harvest?

A farmer has to decide if he wants to pay taxes on the seed when he plants his crop or on the crop when he harvests it in the fall?  What would you do? 

If he buys $1000 worth of seed and is taxed at 8%, he'd pay $80 in taxes.  He then harvests the $50,000 crop and pays no more taxes since he already paid them.  Conversely, if he chose not to pay tax on the seed, he'd pay 8% on the harvest or $4,000 ($50,000 X 8%)!  What do you want to pay, $80 now or $4,000 later? 

Relate this to retirement decisions:  If you invest $6,000 in a tax deductible plan and are in the 33% tax bracket, you'd save about $2,000 in taxes in that tax year.  If that $6,000 was in an investment for 40 years it could grow to $100,000 because of compound interest.  The taxes when you take the money out are $33,000 (33% of $100,000)!  That is $33,000 on the harvest (on your investment).  This is because the government wants its share of money you earned with previously untaxed funds. 

If you had invested the $6,000 in a tax free plan with us, you would have $100,000 TAX FREE since you paid taxes on the "seed"!  Your choice $2,000 in taxes now or $33,000 later when you really need the money? It is as simple as seeds and harvest!  Get educated about money and sow the seeds of financial freedom, NOW!

E-mail us at to learn more about our financial education programs.