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Frequently Asked Questions

What is TFRA?

Tax Free Retirement Account (TFRA) is likened to how your 401K or IRA is set up. At your employment or self-directed IRA, you decide how much you want to contribute for your retirement until 65 or whatever age you decide. These contributions are tax-deferred, NOT Tax-Free and you could be at risk or lose money due to Market Downturn. TFRA on the other hand is Tax-Free, your contribution and earning are not at Risk or has Zero Exposure to Market Downturns and have access to your principal when you need it.

What can I expect during my free consultation?

Just a 5-minute conversation, and we can uncover pretty quickly whether we can help you with your specific goal or help you get to where you want to go in retirement.

How will I benefit from TFRA?

Amongst many benefits, TFRA can help you avoid stock market risk where necessary, and it can protect your retirement making sure you don't out-live it.

What do I need to do to complete the process?

After our 5-minute conversation, where we uncover your needs and wants, we will crunch down the numbers and find the best possible solution for you, through the vehicle of life insurance.

Index Universal Life at It's Finest

What are the PROs / CONs of a 401k?

If you have a match from your employer for a 401k it is a great investment. The potential downsides are:- Limited Investment Choices: Investment options are limited to what the plan provider offers, which may not always include the best-performing funds.- Fees: Some plans have high administrative and management fees, which can eat into investment returns over time.- Withdrawal Restrictions: (Before age 59 1/2) are subject to a 10% penalty and income taxes, with a few exceptions (e.g., Financial Harship, Certain medical expenses, 72T distributions)- Required Minimum Distributions (RMDs): Participants must start taking distributions at age 73, which can affect tax planning and retirement income.- Contribution Limits: Although high, contribution limits may still be insufficient for those needing to catch up on savings or aiming for a very high retirement goal.- Market Risk: Investments are subject to market fluctuations, which can result in losses, especially during economic downturns.

Does a 401(k) "Implode"?

A 401(k) itself doesn't "implode," but mismanagement or market conditions can lead to significant losses or reduced growth. Key risks include: taken from the 2009 October 19, Time Magazine

- Investment Risk: Poor investment choices or market downturns can lead to significant losses.

- Insufficient Contributions: Not contributing enough, or starting too late, can result in inadequate savings for retirement.

- High Fees: Excessive fees can erode the growth of your investments over time.

Does an IUL "Implode"?

If a policy is NOT structured and funded properly, it will eventually FAIL. Unfortunately, 95% of all policies are written incorrectly, often due to ignorance or greed, neither are EXCUSABLE!

What is ARBITRAGE?

(Earning a spread on the money you borrow)

(Borrowing at one rate and earning at a higher rate)

Example: Borrowing at 5% and still earning 7.5% on the accumulation value.These are critical benefits that can empower you to move forward toward your financial and retirement goals.

Do I have access to my money in an IUL?

Yes, If the IUL is structured PROPERLY then you can have instant access to your money.

Is an IUL FLEXIBLE?

Yes, you can over-fund (up to Govn't regulations) during the "feast" years... and just pay the minimum policy premiums during the "lean" years... AND you can "catch up" the premiums from the years that you didn't pay....

What Does LASER Fund Stand For?

Liquid Assets Safely Earning Return

What is F.I.R.E.?

Financial Independence Retire Early