Upgrading your retirement plan allows you to avoid or survive the punches life throws at you in retirement.

Retirement Upgrades

Reduce My Key Risks

Maximize My Assets

Asset Protection

Reduce My Key Risks

Longevity

Remove the Risk of Out Living Your Money

01

We are living longer and longer. Longevity multiplies every other risk you face in retirement -- The longer you live...

The more likely it is you could run out of money

The more you WILL pay in taxes

The more you WILL pay in health care cost or experience a high cost health care crisis

The more likely it is you WILL experience market volatility or a recession

Adding the Guaranteed Income Upgrade to your retirement plan will knock this risk out and reduce your risk profile across the board.

Remove My LONGEVITY Risk

02

Losses in the Market

Protect my investments from market volatility and recessions

The rules you used to grow your retirement will not work in retirement. When time is no longer on your side -- taking income + recession = bad news for your retirement...

Having to sell your investments at a loss

A compounding affect that can send your investment balance into a tailspin

The possibility of realizing your worst fears in retirement of having to "un-retire", reduce your lifestyle or face the prospect of running out of money

Adding the Market Protection Upgrade to your retirement plan will eliminate this risk and when the market goes down, you'll get to smile and not worry for a second how it will affect you.

Get MARKET PROTECTION

TAX

Taxes

Defuse my retirement tax bomb

03

Looking at the current balance on your investment statement -- How much of that balance is yours? If you said it's all yours, the IRS begs to differ...

IRAs, 401k, 457, 403b, TSPs...All defer the tax bill into the future and that future starts the day you retire

The more your investments grow, the higher your tax bill

Taxes will be higher in the future -- How high can change as quickly as the next time Congress meets, regardless of which party is in power

Adding the Tax Efficiency Upgrade to your retirement plan will defuse this risk and can save you a ton of money on your future taxes.

Reduce My TAX Risk

Health Care Costs

Prevent Health Care Costs from eroding your net worth

04

The average health care costs in retirement, after Medicare Part B, Part D, and supplemental insurance premiums are paid, is $315,000. If you wait for the bill to arrive...

It will make quick work of your income

It can erode your net worth in a matter a few years

Running out of money can cause you to have to switch to Medicaid, triggering the state to confiscate most your remaining assets.

Adding the Health Care Costs Upgrade to your retirement plan will take this risk off the table and help you preserve your net worth, lifestyle, and dignity at the end of your life.

Reduce My HEALTH CARE COST Risk

Key Risks

Maximize My Assets - Upgrades

Better Than Bonds

Take Advantage of Rising Interest Rates

01

Interest Rates are back on the rise. When interest rates go up, bond values go down -- and its costing you in your investment portfolio...

Bonds, in this environment, lack reliability to produce you income

Aren't doing their job to protect your downside in your investment portfolio

The 60/40 Modern Portfolio needs updating to better meet your needs

Every month that goes by has you leaving easy money on the table

Adding the Better Than Bonds Upgrade to your retirement plan will replace underperforming bonds with guaranteed growth and no risk of loss.

Upgrade my ASSETS

BONUS: This upgrade also works with savings accounts and bank CDs that aren't currently earning enough interest.

02

Boost Your Retirement Income

For High Earners

It's difficult for high earners to replace their income in retirement. Due to limitations, traditional retirement plans are typically insufficient...

IRAs, 401k, 457, 403b all have limitations on how much income you can contribute each year

The more you grow your investments, the higher your tax bill will be in retirement

It takes up a lot of your current income to amass the wealth needed to replace your income in retirement

Adding the Income Booster Upgrade to your retirement plan can create the tax free income boost you need to maintain your current lifestyle in retirement.

Eligibility Criteria

1. Earn at least $100k a year

2. Be between 18-65 years old

3. Can contribute a minimum of $25k a year for 5 years consecutively

Add an INCOME BOOST Upgrade

Debt Free

Get Rid of Unwanted Debt

03

Debt payments drag down your assets in retirement. Carrying unwanted debt into retirement will cost you...

Your debt interest compounds at a much higher rate than the stated APR

You'll have to draw extra money to make your debt payments, increasing your taxable income levels...double hit to your retirement assets

Adding the Debt Free Upgrade to your retirement plan will get rid of your unwanted debt quickly and will keep you debt free the rest of your retirement.

Discover the Truth About Interest Rates

Maximize Assets

Protect My Assets - Upgrades

100% Market Protection

I don't want to see $1 lost in the market

01

Nearly half of retirees this year expressed concerned that stock market volatility could cause serious economic hardship for them in retirement. Instead of waiting, some are taking action...

Protecting 100% of their retirement investments from a down market or a recession was easy

Choosing options that puts their assets in a position to earn when the market goes up but not risking a $1 when the market goes down

Adding the 100% Market Protection Upgrade to your retirement plan will out perform bonds 98% of the time with no risk of losing $1.

Get 100% PROTECTION Upgrade

"Pay Your Fair Share!"

02

Tax Free Retirement

Asset Protection From Higher Taxes

The call to tax the rich keeps getting louder. Buying out your retirement investment partner (the IRS), might be the best move for your future ...

Your options for a tax free retirement and your inheritance vary by net worth

They include Roth conversions, cash value life insurance, and specifically designed trusts

Adding the Tax Free Retirement Upgrade to your retirement plan will protect your retirement assets from the ever increasing call to tax the wealthy.

TAX FREE RETIREMENT Upgrade

Protection

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