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Safe Money Retirement

RETIRE WITH CONFIDENCE AND PEACE

Safe money retirement strategies are designed for one purpose: protecting your assets while generating guaranteed income you can count on for life. Unlike market-based investments that rise and fall with stock volatility, safe money solutions—including fixed annuities, indexed annuities, and Indexed Universal Life insurance—offer principal protection, tax advantages, and predictable growth. You participate in market gains when they happen, but you’re shielded from losses when markets decline.

These strategies aren’t about chasing the highest returns—they’re about building a retirement foundation you can depend on. Whether you’re transitioning wealth from your 401(k), creating guaranteed income streams, or seeking tax-free retirement distributions through Indexed Universal Life, Mark helps you design a plan that aligns with your risk tolerance and retirement goals. As an independent advisor, he works with top-rated carriers to find solutions tailored specifically to your future.

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PROTECTED GROWTH SOLUTIONS

RETIREMENT SECURITY YOU CAN COUNT ON

Safe money strategies protect your principal while offering growth potential tied to market indexes. You never lose money in down years, your gains are locked in annually, and you can create guaranteed lifetime income streams unaffected by market crashes.

Indexed Universal Life policies provide tax-free retirement income, legacy planning, and flexible access to cash value. Annuities deliver guaranteed income with options for inflation protection, spousal continuation, and estate transfer benefits.

COMMON QUESTIONS

FREQUENTLY ASKED QUESTIONS

Safe money planning uses strategies that protect your principal from market loss while still offering growth potential. These include fixed and indexed annuities and Indexed Universal Life insurance—products designed for stability, guaranteed income, and tax efficiency.

Indexed annuities credit interest based on a market index (like the S&P 500) but protect your principal from losses. When the index goes up, you earn credited interest. When it drops, you lose nothing—your account stays level.

Indexed Universal Life (IUL) is permanent life insurance with cash value growth tied to market indexes. It offers death benefit protection, tax-free loans for retirement income, and downside protection—combining insurance coverage with wealth accumulation strategies.

Yes, through properly structured Indexed Universal Life policies. After funding the policy, you can take tax-free loans against the cash value for retirement income—income that isn’t subject to IRS taxes or counting toward Social Security taxation thresholds.

Not necessarily. While annuities have surrender periods (typically 5-10 years), most allow 10% annual penalty-free withdrawals. IUL policies offer flexible access to cash value through loans and withdrawals after the policy accumulates sufficient value.

Income depends on your account value, age, and product structure. Many annuities offer guaranteed payout rates of 5-6% or more for life. During consultation, we’ll calculate specific income projections based on your unique situation and goals.