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ABOUT RETIREMENT SOLUTIONS

A Secure Financial Future To Make the
Dream of Retirement a Reality

There are few people who dream of working until the day they die. Most of us dream of the day we can retire, with the ability to relax and enjoy our golden years. Maybe you have a dream of traveling the world or spending more time with your family. As long as you plan ahead, that dream can be achieved!

But as you make your way through life, there are a few common pitfalls that you should avoid. By being aware of these obstacles, you can navigate around them and stay on the path to financial stability and prepare for a comfortable future.

INDEXED UNIVERSAL LIFE

Index Universal Life Insurance (IUL) is the fastest growing segment of the life insurance industry. Why? Because in addition to providing a tax-free death benefit, it is a powerful financial tool that can serve a multitude of needs for individuals, families, and small business owners.

ANNUITIES

Annuities have become a very popular choice for investors, savers, and those looking to secure guaranteed income that they cannot outlive. Annuities have evolved into financial vehicles that can help individuals save safely for retirement and earn interest credits that are linked to key stock market indexes, without the fear of loss due to market volatility.

RETIREMENT PLANNING

There are few people who dream of working until the day they die. Most of us dream of the day we can retire, with the ability to relax and enjoy our golden years. Maybe you have a dream of traveling the world or spending more time with your family. As long as you plan ahead, that dream can be achieved!

Indexed Universal Life

Permanent Life Insurance with Growth Potential

Index Universal Life Insurance (“IUL”) is the fastest growing segment of the life insurance industry. Why? Because in addition to providing a tax-free death benefit, it is a powerful financial tool that can serve a multitude of needs for individuals, families, and small business owners.

First and foremost, it is a form of permanent life insurance. As such, it is the foundation of any financial plan because the tax-free death benefit can be used to replace lost income and reduce/eliminate debt due to the untimely death of an income earner. But IUL can also serve to meet a variety of other needs during the policy owner’s lifetime, including supplemental retirement income that can be accessed tax-free; the creation of a cash value account that can be accessed at any time and for any reason, a way to earn interest credits that capture stock market gains up to a limit, but none of the downside and powerful Living Benefits that can provide cash for terminal, critical and chronic illnesses.

IUL can be designed to provide a substantial amount of tax-free income in retirement, to produce a high permanent death benefit, or a death benefit that will increase by the exact amount of cash value increases, or to maximize the level of Living Benefits, or to provide cash that can be used for higher education expenses, or a combination of all of the above.

Annuities

Plan Ahead with Protected Retirement Income

An annuity can be used to save for retirement, preserve funds already saved for retirement and to provide a steady stream of income during retirement. Index Annuities have become a very popular choice for retirement planning, especially with the stock market volatility over the last decade. Annuities are financial contracts between an insurance company and contract owners. Payments into an annuity can be made via a lump sum or a series of monthly payments to the insurance company. These funds will accumulate on a tax-deferred basis, which can be a tremendous advantage over time. Fixed Index Annuities provide an opportunity for growth without the risk involved with most investments. This is especially attractive to pre-retirees and retirees looking to preserve assets they have built over several decades. Many annuities offer the ability to add optional benefits such as lifetime income riders, which gives clients a guaranteed income no matter how long they live.

Retirement Planning

Financial Solutions to Help You Enjoy Retirement

There are few people who dream of working until the day they die. Most of us dream of the day we can retire, with the ability to relax and enjoy our golden years. Maybe you have a dream of traveling the world or spending more time with your family. As long as you plan ahead, that dream can be achieved!

But as you make your way through life, there are a few common pitfalls that you should avoid. By being aware of these obstacles, you can navigate around them and stay on the path to financial stability and prepare for a comfortable future.

Planning for your financial future doesn’t have to be difficult! Contact an Equis Retirement Solutions Specialist today to see how we can help with your financial portfolio.

RETIREMENT SOLUTIONS SPECIALISTS

You're Not Alone.
Get customized solutions from our Retirement Solutions Specialists.

Our Retirement Solutions Specialists are real humans specialized in Indexed Universal Life (IULs), Annuities and debt elimination. Our team of experts are here to walk you through the decision making process.