If you could wave a magic wand what benefits would you desire?

Tax-Deferred Growth: You would most likely want the money in the account to grow tax-deferred as opposed to taxable?

Tax-Free Distribution: You would want the money to come out tax-free?

Competitive Return: You certainly want a competitive rate of return.

High Contributions: Would you like to contribute as much in the account as you desire without restrictions?

Additional Benefits: In the event of your disability would you want your contributions to the account to continue even though you can no longer make them yourself?

Collateral Opportunities: Would you like to be able to use this money as collateral?

Safe Harbor: In the event you get sued would you want it protected from creditors?

No-Loss Provisions: Would you like the interest guaranteed?

Guaranteed Loan Options: The ability to demand a loan from the insurance provider.

Unstructured Loan Payments: Would you like the ability to make loan repayments in any manner that you see fit.

Liquidity, Use and Control: Would you want access to this money while you are working, as well as during your retirement?

Deductible Contributions: Would you want your contribution to this account deductible?

You would want all these benefits if you could get them.

Which of these benefits do you get from a Qualified Plan?

Tax Deferred Growth, Competitive Return, Safe Harbor, and Deductible Contributions.

There is only one type of account structured in a specific way that offers the majority of the benefits on the above list. 

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In the financial world there are two facets, those that specialize in the speculative facet, and those who specialize in the fixed facet. Rarely do you find an advisor that specializes in both. These really are two very different worlds. Those that specialize in speculative investing pride themselves in selecting publicly traded companies to place money in with the hope the investment will render a higher return over time than more predictable fixed investments. This philosophy or approach works well until there is an unforeseen economic correction. There is risk in speculative investing that is fine as long as the person doing the investing has ample time to make up for market corrections.

Those that specialize in the fixed investment world of finance eliminate risk associated with speculative investing. The perceived disadvantage to those interested in implementing safe fixed investments over speculative investments is the fear of missing out on the upside potential of the stock market gains. This is a misconception.

Brian specializes in working with fixed equity index life products that emulate the upside potential of the stock market, without the downside risk. This sector of the financial industry has only been around for 25 years. There are very few financial professionals that understand how to use these products to benefit the client as well as he does.

Everyone who is serious about growing and protecting their money should have a portion of their money in a few equity index contracts. Using the right product, and the right company is important. Designing the product correctly to optimize the money is even more important.

Brian is an expert in analyzing people’s current financial position to make sure what you want to happen with your money does happen.

Book a call with Brian if you are interested in learning:
1) How you can best balance your speculative and fixed accounts so as to minimize taxation, and market risk.
2) How much you need to be saving in order to retire when you want and never run out of money
3) How you can save more without impacting your current lifestyle