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100 years of the income tax

Posted by | indexed life insurance | No Comments

It is tax day! Here are some key takeaways from the graphic below:

  • The gold bar is the tax rate paid by average Americans. The blue bar by the average CEO.
  • There has been much more fluctuation on what high income earners pay vs. the average American.
  • In 1980 income over $80,000 was taxed at 50%!
  • What’s in store for the next 100 years?

100-years-of-income-tax_5097e8323609f_w1500

How to have confidence in a rigged market

Posted by | economy, retirement income | No Comments

What strategies can you implement to keep your money growing in a rigged market?

This is part 2 of of our weekly radio show. If you missed part 1, here is the link: http://wealthforlife.net/market-rigged-surprised-part-1/

We know the market operates the way it does. However, we can lose money by just sitting on the sidelines. There are certainly ways to grow your wealth and have protections.

Click the link below to get the free eBook we mentioned on the show:

“The Successful Professionals Guide to Wealth For Life”

Low cost index funds will have less turnover and trading frequency than other options and will not be impacted as much by high frequency trading.

Insurance products such as indexed universal life and fixed index annuities will also use Index Crediting Strategies that will be insulated from high frequency trading and will also offer protections from market losses. Watch this video to learn more:

http://wealthforlife.net/growing-money-protecting-losses/

The market is rigged! Are you surprised? Part 1

Posted by | economy, retirement income | No Comments

On this week radio show we discuss Michael Lewis’s new book Flash Boys and the his claim that the market is rigged.

Take our quick survey…

This poll is closed! Poll activity:
start_date 09/04/2014 08:23:46
end_date 16/04/2014 23:59:59
Poll Results:
Are you surprised the stock market is rigged?

 

The U.S. stock market is rigged in favor of high-speed electronic trading firms, which use their advantages to extract billions from investors, according to Michael Lewis, author of a new book on the topic, “Flash Boys: A Wall Street Revolt.”

High-frequency trading (HFT) is a practice carried out by many banks and proprietary trading firms using sophisticated computer programs to send gobs of orders into the market, executing a small portion of them when opportunities arise to capitalize on price imbalances, or to make markets. HFT makes up more than half of all U.S. trading volume.

To listen to part 2 of the show where we discuss strategies you can use to have confidence in a rigged market click here:

http://wealthforlife.net/confidence-rigged-market/

 

Market trends and how they affect your wealth: Part 2 of 2

Posted by | economy, retirement income | No Comments

Strategies for long term bear markets to keep your wealth growing.

Since we have seen how long bear markets can last and that most investors don’t have a 100+ year time horizon, we need to plan for bear markets that could fall into your peak saving years and income years.

There are strategies to overcome this and keep your wealth growing using real estate, investments and insurance products. Today we will focus on the using index crediting strategies in insurance products.

Download (PDF, 208KB)

Compare the time frame in the chart below to the Dow jones chart in the previous post:
http://wealthforlife.net/radio-show-market-trends-affect-wealth-part-1/

Keep in mind the above results are based on a specific cap and floor and which can vary and change based on current rates. Also, the numbers are gross historical crediting rate before fees and cost. Same goes for the Dow chart regarding fees and costs.

Learn more and ask question on our upcoming live webinar: http://wealthforlife.net/webinar/

Market trends and how they affect your wealth: Part 1 of 2

Posted by | economy, retirement income | No Comments

Can your wealth survive a long term bear market? What are the odds this happens?

History shows that the equity market enters long periods of high returns, followed by lengthy periods of lower ones. These periods are called secular trends. There are two kinds of secular trends:

A secular bull market, or upward-trending market, occurs when each successive high point is higher than the previous one.

A secular bear market, or downward-trending market, occurs when a trend does not rise above the previous high.

We have had four bear markets that lasted 18 years, 25 years, 17years and 11 years.

Over the last hundred plus years, the stock market has rewarded some investors with long-term growth. But for most investors, a realistic time horizon is 10 to 20 years—not more than a century.

What happens if your peak saving years come during one of these long term bear flat markets?

Download (PDF, 168KB)

Building income streams Part 3 of 3 – The myth of Be Aggressive

Posted by | annuities, economy, indexed life insurance, retirement income, small business | No Comments

In this final segment we discuss how to take chunks of money you have saved and create income for life. The younger you start this process the better. The great fiction you hear from financial media is that when you are young you need to be aggressive.  This is not based on any fundamentals and not is it true. There is no one-size-fits-all advice.

When you start young using safe vehicles you can create incredible income streams down the road. The idea of building a strong financial core first, then taking risk later is more appealing to many young professionals.

You can learn more by downloading the free eBook: The Successful Professional Guide to Wealth For Life.  Get the book by clicking the link below:

http://wealthforlife.net/spguide/

Check out the video we mentioned in the show: The Great Annuity Deception

http://wealthforlife.net/great-annuity-deception/

Also, enjoy our 1980’s music intro! What movie does that remind you of?

Call us any time with questions: 480-970-5663

Or contact us online: http://wealthforlife.net/consultation/

Learn more on a live webinar: http://wealthforlife.net/webinar/

Building Income Streams part 2 of 3 – Case Studies

Posted by | annuities, economy, indexed life insurance, Inflation, life insurance, retirement income | No Comments

Build income streams you can access before and after age 59.5. Also have multiple sources of capital you can access without restriction (like you will find in 401k/IRA). This can give you better access to your money to handle the ups and downs of life.

In this segment we also go over specific case studies comparing income streams from defined benefit plans and 401ks to tax free income from indexed universal life insurance plans. Successful professionals are increasingly building alternative income streams they can access before traditional retirement age.

You can learn more by downloading the free eBook: The Successful Professional Guide to Wealth For Life.  Get the book by clicking the link below:

http://wealthforlife.net/spguide/

Check out the video we mentioned in the show: The Great Annuity Deception

http://wealthforlife.net/great-annuity-deception/

Also, enjoy our 1980’s music intro! What movie does that remind you of?

Call us any time with questions: 480-970-5663

Or contact us online: http://wealthforlife.net/consultation/

Learn more on a live webinar: http://wealthforlife.net/webinar/

Building Income Streams part 1 of 3 – Critical Planning Steps

Posted by | annuities, economy, indexed life insurance, Inflation, retirement income | No Comments

Income planning is not just for retirement. What happens if you want to access your money early and everything you have saved is in a 401k? With the exceptions of emergencies you are stuck until you reach age 59.5 in most cases.

What if you want to go part time or start a business? What if you get laid off and can replace all your income? Having income streams you can access without the government penalties could be a good idea to incorporate in your planning process.

You can learn more by downloading the free eBook: The Successful Professional Guide to Wealth For Life.  Get the book by clicking the link below:

http://wealthforlife.net/spguide/

Also, enjoy our 1980’s music intro! What movie does that remind you of?

Call us any time with questions: 480-970-5663

Or contact us online: http://wealthforlife.net/consultation/

Learn more on a live webinar: http://wealthforlife.net/webinar/