STRATEGIES
From protecting assets to legacy creation, I use the full breadth of available options to design the best possible plans for your unique goals and circumstances. Reach out to learn more...
How We Get There
Legacy Creation
What impact do you want to leave behind? Do you dream of creating something that blesses future generations—helping your children, grandchildren, and great-grandchildren with homeownership, college tuition, or financial security? With the right strategy, that dream can become a reality.
Imagine a cascading waterfall, each pool overflowing into the next, continuously providing life-giving water. Legacy trusts work in a similar way. By funding a trust with a properly structured life insurance policy, you gain access to financial resources while you're alive, and when you pass, the death benefit creates new policies for the next generation—your children, and potentially even your grandchildren.
As they grow, your family will have access to funds through the trust to purchase homes, pay for education, start businesses, and more. When their time comes, the process repeats, funding policies and accounts for the next generation and beyond. This is how true generational wealth begins—with you.
Tax-Free Strategies Now and Later
California is famous for redwoods, beaches, wine country… and an outrageous amount of taxes. The reality is that everyone in this country is exposed to income tax—but not everyone has to be. By leveraging certain tax codes and write-off rules, such as those related to purchasing heavy equipment for business, you can legally reduce or even eliminate taxable income.
If this piques your interest, reach out to learn more.
The retirement strategies I help implement—such as properly structured Indexed Universal Life Insurance (IULs)—create a tax-free income stream using the same principles the ultra-wealthy leverage to minimize their tax burden. The strategy? Invest in assets, then use other people’s money to fund your retirement—tax-free—all while leaving a non-taxable legacy for your loved ones.
Compound Your Cash Flow
Be your own bank! This strategy is a paradigm shift in how to handle finances—allowing you to supercharge a tax-free retirement and legacy.
What if you could earn interest on the money you’re already spending—on groceries, gas, your mortgage, bills, and even business expenses? The "Compound My CashFlow" method helps create a growing nest egg using your full income, not just what’s left over after expenses.
Traditional money advice says: earn, pay bills, then save whatever is left. Imagine your income as a bag of seeds—with traditional methods, you sell most of them to cover expenses and plant whatever’s left, hoping it grows.
With "Compound My CashFlow," you plant all your seeds—your full income—and let them grow. Then, instead of spending your own harvest, you borrow other people’s seeds (in this case, the insurance company’s) to cover your expenses. Your wealth keeps compounding, growing larger with each cycle—creating a financial future of freedom.
Want to see how this strategy can work for you? Let’s talk!
Life Insurance
Is your family financially protected if something were to happen to you tomorrow? There’s no sugarcoating it—it’s either yes or no.
Most people underestimate what it truly takes to provide for their loved ones long-term. Have you considered how much is needed to cover:
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Years of living expenses
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Medical bills
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Car replacements
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College tuition and education costs
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Weddings and major life events
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Mortgages and debt
During a financial review, we’ll determine the best strategy for you—whether that’s term insurance, whole life insurance, final expense coverage, or another tailored solution.
The key is to just start. A common rule of thumb is to have coverage equal to ten times your annual income.
I can help you can secure up to $1 million in term insurance—instantly, in as little as 10 minutes—all from your phone.
Asset Protection
Are your assets protected from loss? The stock market’s ups and downs can have a serious impact on retirement accounts. For example:
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A 20% loss requires a 25% gain just to break even.
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A 30% loss needs a 43% gain to recover.
While rebounds are possible, they often take years—years that many retirees or investors can’t afford to lose.
What if you didn’t have to suffer those setbacks? What if you could participate in market gains while avoiding the risk of loss? Imagine your investment growth looking like a staircase instead of a rollercoaster.
Fixed annuities, when structured correctly, can provide this protection. They offer benefits such as:
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Market downside protection
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Growth opportunities
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Lifetime income
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Death benefits
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Potential bonuses
Let’s protect what you’ve worked hard for while continuing to build your legacy. Contact me today to explore the best strategies for your financial future.
