Alin David Lozada, RICP®, CSA |
March 3, 2017 |
Indexed Universal Life, Life Insurance
For years, Americans have been told that the best way to save for retirement is by contributing to accounts like 401(k)s, IRAs, SEPs, and Tax-Sheltered Annuities (TSAs). These have two things in common: You receive a tax deduction based on your tax rate, and you must pay a tax when you withdraw the money. Most accountants and CPAs are more concerned with saving taxes today than in the future, so they will advise you to maximize your retirement plan to receive the greatest tax deduction. Also,...
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Alin David Lozada, RICP®, CSA |
March 25, 2013 |
Cal Burgess, Indexed Universal Life, Member Posts
Written By: Cal Burgess | Retirement Servicing Group There are a plethora of options out there in regards to college education, so when it comes time to pick the best option for your loved one, it’s important to make sure all of your bases are covered. Unfortunately, many college plans today fail to deliver the anticipated results for a couple of reasons: volatility or change. Since there is very little certainty in life, it is crucial to use a flexible college-planning tool that allows you...
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Alin David Lozada, RICP®, CSA |
August 17, 2012 |
Cal Burgess, Indexed Universal Life, Life Insurance, Member Posts, Retirement Planning
Written By: Cal Burgess | Retirement Servicing Group A few months ago I made a recommendation to a referral (now a client) regarding an indexed universal life policy. His financial goals were straight forward; he wanted to protect his money from rising federal income taxes while protecting as much of his money from market risk as possible. When we met, I could tell that he was frustrated with the performance of his portfolio and was skeptical about other financial vehicles that he entertained. After about...
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Alin David Lozada, RICP®, CSA |
August 14, 2012 |
Cal Burgess, Indexed Universal Life, Life Insurance, Member Posts, Retirement Planning
Written By: Cal Burgess | Retirement Servicing Group Who would have ever thought that one of the most attractive tax deferred, cash accumulating vehicles could be found inside a permanent life insurance contract? Imagine that, insurance policies that have outperformed the S & P 500 over the last 15 years with respect to cash accumulation. If you haven’t heard this concept, I strongly suggest that you educate yourself on all of the benefits that you have been missing out on. One of the ways to...
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