Insurance Planning
Insurance Planning
Insurance Planning
“Retirement Insurance” Summary:
The Top (6) Retirement Risks
“Retirement Insurance” Summary:
The Top (6) Retirement Risks
Risk #1
Large Pre-tax Retirement accounts are a TAX LIABILITY to your Heirs
Risk #2
Large Pre-tax Retirement accounts are a TAX RISK during Retirement
Risk #3
Large Pre-tax Retirement accounts cannot be “Borrowed From”
Risk #4
“Inflation” Risks can prematurely DRAIN
Retirement accounts
Risk #5
“Longevity” Risks can prematurely DRAIN
Retirement accounts
Risk #6
Accidents and Illnesses can prematurely DRAIN Retirement accounts
Top Tax Brackets Since 1913
Benefit #1 Death Benefit
Available Death Benefit that may be paid to your loved ones tax free.
At Passing, your Heirs receive a “Tax Free” inheritance. The “Death Benefit” Component is also the key enabler to the preferential IRS Tax treatment. (IRS Code #7702)
Benefit #2 Cash Values
Buy a Boat or RV, or buy Investment Properties for children to inherit, or emergency
Policy "Cash Values" Grow "Tax Deferred"
Cash Values can be accessed anytime through "Policy Loans" or Withdrawals.
Risk Mitigation #1 Health Emergencies
You cannot plan for “Unexpected” health emergencies, but you can plan to protect against their Unexpected Costs
Examples of “QoL” Quality of Life Coverages where death benefit can be “Pulled Forward” to preserve other assets:
Long Term Care
Major Heart Attack
Coronary Artery Bypass
Stroke
Invasive Cancer
Major Organ Transplant
End Stage Renal Failure
Paralysis
Coma
Severe Burn
Etc...
Risk Mitigation #2 Outliving Your Money
Inflation, Taxation, Pharmacy costs, etc. are beyond your control, so plan to protect, just in case.
The “Two Tank” Retirement Savings Plan
If (or When) retirement savings are depleted, the Cash Value in the Policy can be "Activated" to create "Tax Efficient" annual income if needed
Multi-Year Capital Cains Planning
Multi-Year Capital Cains Planning
Multi-Year Capital Cains Planning
Multi-Year Capital Cains Planning
Multi-Year Capital Cains Planning
Multi-Year Capital Cains Planning
What is your Impact Score?
The Inspire Impact score is used by investment professionals, institutions, and individual investors around the world to potentially measure the biblical values alignment of their portfolios.
Impact Scores of zero or higher represent the absence of negative violations, with higher positive scores representing superiority among industry peer groups.lf you would like to know the Impact score on your current investments, Simply scan the QR Code below to schedule your no cost Impact Analysis today!
Screen for Violations
Screen for Violations
Screen for Violations
Screen for Violations
Screen for Violations
Screen for Violations
Screen for Violations
Screen for Violations
Screen for Violations
What is your Impact Score?
The Inspire Impact score is used by investment professionals, institutions, and individual investors around the world to potentially measure the biblical values alignment of their portfolios.
Impact Scores of zero or higher represent the absence of negative violations, with higher positive scores representing superiority among industry peer groups.lf you would like to know the Impact score on your current investments, Simply scan the QR Code below to schedule your no cost Impact Analysis today!
Distribution Phase
During this phase you will take your desired result and turn your retirement nest egg into the guaranteed income you desire to live for the next twenty to thirty years or longer. At the same time, you can preserve what you have accumulated, regardless of what market risks you might face.
Transfer Phase
During this phase you will transfer your assets to the people and organizations you care about in the most tax-effective manner. While most of us believe that we are all set, in reality the average estate typically only passes twenty-two cents on the dollar to the next generation. Imagine creating a healthy personal economy, promoting financial freedom to the next generation, and choosing real results and solutions that offer you peace of mind.
Resources
EFG Financial Tools
EFG Financial offers the following services and solutions to suit your needs in any phase of life:
Smart Track
Download your College Funding Strategies Report Here.
Social Security
Download your Social Security Strategies Report Here.
Living Trust
Download “The Missing Piece to Your Living Trust” Here.
Contact
We Love to Answer Questions
EFG Financial
1500 East Beltline Ave SE, Suite 205,Â
 Grand Rapids, MI 49506
Contact
Get In Touch
(800) 694-3175
info@eminencefinancial.com
