𝐇𝐨𝐰 𝐭𝐨 𝐭𝐚𝐤𝐞 𝐚𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞 𝐨𝐟 𝐚 𝐦𝐚𝐫𝐤𝐞𝐭 𝐝𝐞𝐜𝐥𝐢𝐧𝐞 𝐭𝐨 𝐜𝐫𝐞𝐚𝐭𝐞 𝐓𝐑𝐈𝐏𝐋𝐄 𝐓𝐀𝐗-𝐅𝐑𝐄𝐄 𝐢𝐧𝐜𝐨𝐦𝐞 𝐬𝐭𝐫𝐞𝐚𝐦𝐬:

𝗦𝗧𝗘𝗣 𝟭: If you don't already have an "Infinite Banking" policy, create one. If you already have one, then CONGRATULATIONS, you've already completed Step 1. Your money grows tax-free in your Infinite Banking account. So there's tax-free income #1.

𝗦𝗧𝗘𝗣 𝟮: After a market decline (or a crash), you can use money in your Infinite Banking account, (which doesn’t lose money in a market decline and grows TAX-FREE), and fund (or add money to) a Roth IRA (which also grows TAX-FREE). There's tax-free income #2 - a Roth.

This strategy can be effective because it can allow you to buy more shares of stock when shares are, as some people say, "on sale" (or much lower in value than they may be in the future). When/if they increase in price, the growth on those shares experienced inside of a Roth is TAX-FREE.

If you use this strategy to fund a Roth IRA with tax-free gains from your Infinite Banking account, then you effectively funded a tax-free Roth IRA with tax-free profits from your Infinite Banking account.

𝗧𝗛𝗔𝗧'𝗦 𝗗𝗢𝗨𝗕𝗟𝗘 𝗧𝗔𝗫-𝗙𝗥𝗘𝗘 𝗜𝗡𝗖𝗢𝗠𝗘!

The profits from an Infinite Banking account can be accessed at any age, and that means that they can be accessed for investing outside of your Infinite Banking account whenever you see an opportunity.

Yes, that means Infinite Banking account profits can be accessed tax-free prior to age 60, and your Roth IRA can be accessed tax-free after age 60.

𝗦𝗧𝗘𝗣 𝟯: Finally, at retirement age, since both Infinite Banking accounts and Roth IRAs don't trigger taxation on your social security payments (Google "Provisional Income"), you can access:

• TAX-FREE income from your Roth IRA,
• TAX-FREE income from your Infinite Banking account,
• AND, TAX-FREE income from your social security as well.

𝗧𝗛𝗔𝗧'𝗦 𝗧𝗛𝗥𝗘𝗘 𝗜𝗡𝗖𝗢𝗠𝗘 𝗦𝗧𝗥𝗘𝗔𝗠𝗦, 𝗔𝗟𝗟 𝗧𝗔𝗫-𝗙𝗥𝗘𝗘!

*This isn’t investment advice and is meant purely for educational purposes, but it is a strategy that you should learn more about.

𝐓𝐡𝐞 𝐰𝐫𝐞𝐜𝐤𝐢𝐧𝐠 𝐛𝐚𝐥𝐥 𝐭𝐡𝐚𝐭 𝐜𝐚𝐧 𝐝𝐞𝐬𝐭𝐫𝐨𝐲 𝐲𝐨𝐮𝐫 𝟒𝟎𝟏(𝐤) 𝐨𝐫 𝐈𝐑𝐀

There’s a simple math formula your financial advisor isn’t telling you that can wreck your 401(k) or IRA.

𝐌𝐚𝐧𝐲 𝐀𝐦𝐞𝐫𝐢𝐜𝐚𝐧𝐬 𝐰𝐢𝐥𝐥 𝐫𝐮𝐧 𝐨𝐮𝐭 𝐨𝐟 𝐦𝐨𝐧𝐞𝐲 𝐢𝐧 𝐭𝐡𝐞𝐢𝐫 𝟒𝟎𝟏(𝐤)𝐬 𝐚𝐧𝐝 𝐈𝐑𝐀𝐬 𝐦𝐮𝐜𝐡 𝐟𝐚𝐬𝐭𝐞𝐫 𝐭𝐡𝐚𝐧 𝐭𝐡𝐞𝐲 𝐭𝐡𝐢𝐧𝐤 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐭𝐡𝐞𝐲 𝐝𝐨𝐧’𝐭 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝 𝐭𝐡𝐞 𝐬𝐢𝐦𝐩𝐥𝐞 𝐦𝐚𝐭𝐡 𝐭𝐡𝐚𝐭 𝐚𝐟𝐟𝐞𝐜𝐭𝐬 𝐭𝐡𝐞𝐢𝐫 𝐰𝐢𝐭𝐡𝐝𝐫𝐚𝐰𝐚𝐥𝐬.

There is a solution to this problem that I will share at the end, but you need to understand the problem first.

𝐇𝐞𝐫𝐞’𝐬 𝐭𝐡𝐞 𝐦𝐚𝐭𝐡:

Let’s say that Tom and Mary need $100,000 after taxes from their IRA to support their lifestyle in retirement. For simple illustration purposes, we’ll say they will owe a total of 30% in taxes on their withdrawals.

How much will they have to take out of their IRA to be able to pay both the taxes to the IRS and the $100,000 they need for their lifestyle?

I’ve asked this question to so many people and the answer I get 90% of the time is $130,000.
On the surface this answer makes sense. Thirty percent of $100,000 is $30,000, right? Add that to the $100,000 you need to pay for your lifestyle and there’s your answer.

But is that how it works?

It’s a little bit more complex than that. If you pay 30% in taxes, then you get to keep 70%. However, 70% of $130,000 is only $91,000, which leaves you $9,000 short.

𝐒𝐨 𝐭𝐡𝐞 𝐫𝐞𝐚𝐥 𝐚𝐧𝐬𝐰𝐞𝐫 𝐢𝐬 $𝟏𝟒𝟐,𝟖𝟓𝟕.

That’s $12,857 more than most Americans think. Therein lies the problem. Americans just don’t account for that in retirement because they’re simply not being told about it.

In other words, when the typical American calls up their financial advisor and says, “I need $100,000 after taxes,“ they think that their balance is going to go down by $100,000. In reality, it’s going to go down by $142,857.

Is it possible that quite a few Americans will be running out of money in their 401(k)s or IRAs a lot faster than they thought? It sure is, and it’s all because of this simple math formula that financial advisors and Wall Street pundits don’t tell them.

𝐇𝐄𝐑𝐄’𝐒 𝐓𝐇𝐄 𝐒𝐎𝐋𝐔𝐓𝐈𝐎𝐍: Use the tools the I.R.S. makes available to you to 𝐠𝐫𝐨𝐰 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲 𝐭𝐚𝐱-𝐟𝐫𝐞𝐞. There are multiple tools that can provide great returns without the risk of market volatility and without having to pay taxes on your money when you need it most (in retirement).
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To have access to these specific tools, you need to speak with a licensed professional, like myself, who can help you find the best one for you and here's the best part... YOU DON'T PAY US FOR OUR HELP.

When helping our clients with making the best decision for their future, our main goal is EDUCATION. We want people to learn about the dangers of letting some advisor "manage" their money compared to what we do, which is remove as many risks as possible including fees, market volatility, the sequence of returns risk, etc.
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Here is a page out of one of our agents' newest books going over the impact of taking a loss in your retirement account. We hope this shines some light on what truly happens when you have a down year. The reality is that you could spend many years just climbing back to breakeven before you are profitable again

If you have an old 401(k) laying around from a previous employer, you only have a small number of options on what you can do with it. Here are 5 options you have when dealing with an old 401(k). We help people out with Option 5.​

What is Ratchet Growth?

If you’ve ever used a ratchet, you’ll understand this analogy. For those of you who haven't used one, when you're using a ratchet you set it so that it only moves in one direction - forward in whichever direction you decide, never backward. Each turn of the ratchet is a step forward, securing progress with every twist.

Now, picture one of your financial accounts doing the same. Just like a ratchet, the growth in your account only moves in one direction – up, never down!

Here's how it works:

• Upward Momentum: Your growth is linked to a market index, but with a twist. Your gains are captured annually, but if the market dips, your value doesn't go down. It's like when a ratchet's teeth lock in place, ensuring every gain is yours to keep.
  
  
• No Backsliding: Just as a ratchet secures each advance, your account secures your gains. This means you enjoy growth in good market years, and in down years your account’s value doesn't decrease. It's principal protection at its finest because it locks in your grown principal amount each year!
  
  
• Flexibility and Control: With a ratchet, you control the pace and direction. Similarly, you have the flexibility to adjust how much you add to it, which indexes you desire and other factors, tailoring your account to your life's journey all with the help of a professional like myself who isn't going to charge you "management fees." 😉
  
  
• Building Tax-Free Wealth Over Time: Each ratchet turn builds on the last, compounding your work. Your money grows tax-deferred, and you can even use it without interrupting the compound growth in your account.
  
  
• Peace of Mind: Knowing your financial progress is moving only one way - upward - provides a sense of security. It's the peace of mind that comes from knowing your financial ratchet is working tirelessly for you.
  
  

Unlock Your Financial Future:

Don't let market volatility ratchet down your dreams. Utilize an alternative solution where your financial growth is as secure as a ratchet's grip. If you want to learn more on how you can leverage this powerful tool for your financial strategy, contact us today!

You can also watch this brief video below highlighting the benefits of this strategy.

You may have heard about what happens if you double a penny every day for a month. Usually someone will give you a choice between taking a million dollars today or a penny that doubles every day for a month. A lot of people will instinctively choose the million dollars because it seems nearly impossible that doubling a penny every day for a month would be more than a million dollars, but IT IS!

You would actually have $10,737,418 at the end of the month!!!

With that in mind, we want to take it a step further to highlight the importance of letting that penny grow uninterrupted by comparing it to four big wealth destroyers (Fees, Volatility, Taxes, & Interrupting Compounding). This is what happens when you inject the wealth destroyers into the equation:

1. FEES: If you double your penny every day, but pay just a little 2% fee — you’ll have $5,857,093 at end of month.

2. VOLATILITY: If you double your penny every day, but have only three days of volatility (a negative 40% return on days 10, 20, and 30) — you’ll only have $289,910 at end of month.
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3. TAXES: If you double your penny every day, but you pay a 25% tax on the growth of your penny — at end of month you'll have $1,918.

4. INTERRUPTING COMPOUNDING: If you double your penny every day, but on day 21 you use the cash to buy a car and reset the compounding back to a penny — you'll have just $2.56 at end of month.

Between those four wealth destroyers, we are talking about a difference of MILLIONS OF DOLLARS 🤯 ($4,880,325 to $10,726,930)!

So, you can see how important it is to avoid these four wealth destroyers as best as possible. Our clients can use three distinct tools to avoid or severely reduce all four of the wealth destroyers to allow their money to compound uninterrupted EVEN if they use their money!

If you want to learn how to protect yourself from these threats to your money, let's setup a time to talk.

Here's the math on these four wealth destroyers so you can see it with your own eyes:

A couple weeks ago a fellow financial professional was saying that one of his client’s husbands was repeatedly giving his client a really hard time about using one of our secure retirement tools to protect her money.
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Her husband had ONE year where he experienced higher gains than her and apparently that qualified him as a genius in the world of finance.
That same day, this friend also mentioned a comment that he saw on social media where someone said their money would be better off sitting in the S&P 500 than in the tool our friend’s client was using. People say all types of things online and will often attempt to portray that they’re speaking with some sort of authority on subjects they actually know nothing about.

Well, the funny thing about both his client’s husband’s repeated nagging comments and the social media comment is that we can actually run the numbers and see who is right. So we did. 😉 (See below)

LET ME TELL YOU ABOUT THE TOOL IN QUESTION…

As simply as we can explain it, you don’t expose yourself to ANY of the losses in the stock market. That means that if the S&P 500 has negative returns then it doesn’t affect you at all. You don’t have any gains, but you also don’t have any losses like your friends can have who are in the market.

Because you can’t take any losses, you can’t also expect to take all the gains. That wouldn’t be fair. So to make it fair, your gains are capped.
The tool our friend’s client is using has a cap of 10% on the S&P 500. Here’s what that means…

• If the S&P returns 7% then his client receives a 7% gain.
• If the S&P returns 12% then his client receives a 10% gain (because 10% is her cap rate).
• If the S&P returns -20% then his client receives a 0% gain (because she can’t take a loss).

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With his client’s 10% cap rate in mind, we ran the hypothetical 10% cap from the year 2000 all the way through 2023 and the results didn’t disappoint.

*Important note: We do not know what the cap rates were for his client’s particular tool in the year 2000. We only know what they were from the time she started using it to now (which has been 10%). One other thing, the S&P 500 isn’t the only index she can follow. She can use multiple other indexes and even some without any cap on gains, BUT to keep things simple for an illustration, We ran the numbers as if she followed the S&P 500 all 24 years with the same cap rate of 10% and here are the results:

In red you can see the actual price return of the S&P 500 from 2000 to 2023. In blue you can see the actual S&P 500 returns with a 10% cap.
Each year where the S&P 500 experienced a loss, the tool using the S&P 500 with a 10% cap just stayed flat (because the losses are capped at 0%).

Each year where the S&P 500 experienced a gain of less than 10%, his client would’ve received that entire gain.

Each year the S&P 500 experienced a gain of more than 10%, his client received a 10% gain.

In both scenarios, the client started with $100,000 and at no point in the entire 24 years would his client have been better just putting her money into the S&P 500 in this hypothetical.

HERE’S WHY THAT’S THE CASE…

When you take losses, you have to have to make up for those losses before you can start experiencing gains and in the years 2000, 2001, and 2002 the S&P 500 experience a series of negative returns. It also had a massive negative return of nearly 40% in 2008. So from 2000 to 2013, if you had invested in the S&P 500, you would’ve spent nearly 13 years just getting back to breakeven.
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We don’t have to look back that far though to determine if the opponents of this tool are right. We can just look back over the past year and a half (when our friend’s client began using this tool) to determine if her money would’ve experienced better returns in the S&P 500 or in the tool she’s using had she allocated all her money in this tool to follow the S&P 500 with a 10% cap. We ran those numbers too and guess what, so far, she made the right choice in this scenario:

As you can see from the chart, we used the same hypothetical $100,000 for each option. In year one (2022), the S&P 500 dropped by 19.44%, which means had she invested her money in the S&P 500 she would’ve lost nearly $20,000 right away. With the tool she’s using, she didn’t lose a dime because she isn’t subject to market volatility. Her losses are capped.

In year two (2023), the S&P 500 gained 24.23%, which means had she invested her money in the S&P 500 she would’ve recouped her losses, but she would ONLY have a net gain of $80 over two years! With the tool she’s using, she would earn 10% (the full amount that she can earn). She didn’t have to spend 2023 making up for the prior year’s losses. She started experiencing growth right away and in this hypothetical she is up $10,000 instead of the $80 she would’ve been had she invested her money in the S&P 500.

We were halfway through 2024 and still, as of July 1, 2024, she would still be ahead using the tool she’s using. In fact, she’d be roughly $6,500 ahead and she doesn’t have the stress and worry that comes along with being exposed to market volatility.
If you’re interested in exploring what this tool could look like in your portfolio, let’s talk.