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Enjoy today, Secure Tomorrow.

A TASTE Of A FEW POPULAR FINANCIAL STRATEGIES

The Retirement Savings Dilema

Precious Metals

Precious Metals are valuable metals. Metals are considered precious based upon their rarity, usefulness in industry, or history as an investment commodity. Examples of precious metals include gold, silver, platinum, and palladium. Precious metals are traded as commodities on various security exchanges. Many precious metals can be volatile, like other commodities, but generally maintain relatively high prices. Ask us how you can take physical possession of  IRA or ROTH assets!

Alternative Income Strategies


A Structured Cash Flow is income that is originally paid to pension recipient and whose starting point is from one of several institutions including state and federal government pensions or corporation pension plans. Current rates can range from 6% on a five year Federal sourced plan to 8% on 10 year State and Corporate plans. The length of the term selected is often 5 or 10 years. One can choose the amount of monthly income desired and the credit risk preferred.

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Structured Settlements

A Structured Settlement is an annuity awarded to a plaintiff from a personal injury settlement that is paid out to a plaintiff over a set period of time. The defendant often purchases an annuity through a highly rated insurance company based on the agreed-upon structured settlement.

Secondary Market Annuities

Individuals are awarded annuities as a result of a lawsuit, or winning a state lottery. When these individuals do not want to wait for the entire payout, they can elect to sell their future payments to someone else at a discount, in exchange for a lump sum payment. The "resale" of these annuities are secondary market annuities. These plans will typically offer a rate of return well above standard fixed annuities, immediate annuities, CDs, or bonds of a similar credit quality.

Bulk Food Commodities

Food assets can be traded at a premium as droughts and food shortages arise. The purchase of actual grains, legumes, oils, and other products can be used as a financial investment or to secure a food supply for private use.

College Funding

The use of Infinite Banking Strategies to increase chances to qualify for college funding (FAFSA), even if income is over six figures.

Traditional and Self-Directed IRA Strategies

Traditional IRA (a tax-deferred account) – Contributions are made with pre-tax dollars and contributions can be tax deductible. Money compounds tax free until funds are withdrawn.

Roth IRA (a tax-free savings plan) – Contributions are made with after-tax dollars and are not tax deductible. Money compounds tax free and all funds withdrawn are also tax free. Earned income must fall within the MAGI (Modified Adjusted Gross Income) limits to qualify for account.

SEP (Simplified Employee Pension) – Designed for self-employed or small business owners with up to 25 employees. Plan allows for high annual contributions which are tax deductible and all money compounds tax free until funds are withdrawn.

Clockwork Financial structures Traditional, Roth, and SEP.

Fixed Indexed Annuities

A contract with an insurance company that promises periodic payments keyed in a specified manner to a stock market index. Unlike variable annuities, fixed-indexed annuities specify a guaranteed minimum return. These contracts may also specify an upper limit (cap) on the return that is paid.

Consider Protecting Your Hard Earned Investments From the Risk of Future Health & Caregiver Expenses

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