Ask us how legal changes to the Pension Reform Act and The Secure Act affect you !
Ask us how legal changes to the Pension Reform Act and The Secure Act affect you !
Founder/The Private Pension Group
(Here is an example of just one of our options).
See an Actual Client Example below creating
cash flow designed to be taken on a monthly basis using one of our proprietary strategies.
(current rates effective 11/01/2022)
See how higher interest rates can work in your favor.
Female ~ Age ~ 55
Client needs to generate $60,000.00 of guaranteed annual income to cover expenses once they are out of the work force.
Estimate Social Security payouts and create additional guaranteed monthly lifetime cash flow starting at age 65 to cover expected annual expenses.
Overall Strategy Results Summary;
The above numbers are the minimum amounts guaranteed under this contract. (Actual results may be more than listed but cannot be less)
All contract terms must be honored to achieve quoted guaranteed results
(full illustration and contract terms available on request)
Please contact us to go over the full details on this strategy and how our many additional guaranteed options may work for your individual objectives.
The reason you insure anything is to transfer the risk AWAY from you and to the insurance company. Thereby, protecting your net worth from the risk of loss due to unforeseen events.
You pay a premium to the insurance company for them agreeing to accept this risk.
You are paying premiums on all these insurance products. It certainly gets expensive, but it's worth the peace of mind, right?
You understand the value in this protection and are willing to pay the price to avoid any negative consequences that may occur from an unforeseen event.
So... why are you NOT insuring your income and your retirement portfolio against the risk of loss?
Especially, when you may not actually have to pay anything at all to do so?
If your portfolio is always at risk, how will you comfortably pay your premiums and monthly bills ?
Your income and retirement portfolio are among your most valuable assets. Wouldn't it just make good sense to protect them?
Companies used to provide lifetime pensions. These pensions provided a guaranteed a paycheck for life. From the beginning of the industrial revolution, corporate pensions were an integral part of the growth and prosperity of the American economy.
Today, for various reasons, most companies no longer provide employee pensions. Some companies may only provide select employees with pensions and many companies can no longer afford to fully fund their pensions, leaving their employees retirement lifestyles at risk!
We believe every American worker should have access to guaranteed pensions that create security, confidence and financial independence in retirement without depending on the success, failure or policies of any particular employer, investment firm or political administration.
We will show you how reposition a portion of the retirement funds you have already saved to create and control your own guaranteed Lifetime Pension!
Long Term Care is very expensive and about 70% of us will need it!
Maybe you don't care today, but you will when your aging lifestyle choices are limited by the escalating costs and your options.
Recognize you cant control it!
See How We Can Help You by Multiplying Your Long Term Care Dollars in the Example below.
Actual Client ~ Age 50
Female - preferred rate
Savings dedicated to Long Term Care $250,000.00
Long Term Care stay = 5 years
Payout = $50,000.00 per year =$4,166.00 per month
No restrictions on how cash is spent
Cash Depleted in 5 years
Same amount of savings dedicated to Long Term Care $250,000.00
Purchases $250k Hybrid LTC/Life Insurance from Nationwide Insurance
Death Benefit = $1,000,000.00
Death Benefit available for Long Term Care while Client is living = $1,000,000.00
Long Term Care stay = 5 years
Payout = $200,000.00 per year = $16,666.00 per month
Full Indemnity (no restrictions on how cash is spent as long as client originally qualified for LTC)
Cash depleted in 5 years (un-used cash paid out to beneficiary)
Asset-based Hybrid Long Term Care is a ultimately a Life Insurance Product. Client must qualify for life insurance. Age, Gender and Health are determining factors.
In summary, here is the bottom line;
Example Client 1 gets $4,160.00 per month on Initial $250,000.00. Un-used cash goes to beneficiaries.
Example Client 2 gets $16,660.00 per month on Initial $250,000.00 plus the balance of the $1,000,000.00 is paid out tax free to beneficiaries if un-used.
If given the choice, and all things being equal, which client do you want to be?
We know that is a rhetorical question. It is pretty clear Example Client 2 is getting the better deal. ($12,500.00 more per month for 5 years)!
However, as they say in the insurance world, you are only one doctors visit from not qualifying. The minute you find out you have a non -qualifying condition, the insurance underwriters know as well. Take advantage of this while you can!
Call us to run the numbers for you today.
FYI. Do you run a business with employee's? There are ways to offer your employee's this Hybrid Long Term Care as a valuable employee retention benefit and have the premiums tax deductible. Call us for details.
Do you think you would be happier and more financially confident if you had full control of at least part of your financial future? Would you feel better if you no longer had to worry about how stock market volatility might affect your income and lifestyle in retirement? Have you thought about staying fully invested in the market but would like to eliminate some of the risk in your portfolio? Please let us help you explore some options that may serve you better on the road ahead!
Providing answers and offering solutions that address these common concerns our clients experience is what we do everyday.
We are dedicated to finding innovative ways of creating enhanced retirement income, personal wealth, private pensions and tax advantaged long term care while mitigating taxes and fees!
There are many ways to do this depending on your personal situation. We look forward to hearing your plans and concerns for the future and helping you find the individual solutions that work best for you and your family.
What we offer:
However, you need to create the protection before you actually need the cure!
Do you have money set aside for your long term care? Is it sitting in a low interest account like savings or a CD? If you qualify, we can show you how to multiply your long term care dollars and take distributions tax free by simply repositioning funds already in your CD's, IRA's and 401k's!
Check out the videos below
Would knowing your long term care costs will not disrupt your retirement plans or your family members lives, give you peace of mind?
Check out the short videos below to learn about innovative ways to multiply your funds for long term care!
No Problem! While Covid-19 has been an awful situation for people around the globe, one positive is that it has increased awareness and trust in doing business online. While we miss in-person meetings, we are 100% on-board with virtual meetings through Zoom. When you request a virtual appointment, you will receive an email and all you will have to do is click on the link to attend our meeting. This may take a little getting used to but ultimately, it's easier, safer, more cost effective and less time consuming than traditional in-person meetings. This approach is the way many initial business meetings, in hundreds of different industries are happening now, and will be going forward. We do not see this trend reversing anytime soon so we are embracing this technology and we will help you embrace it as well!
Unfortunately, many people become fully dependent on their children or other family members everyday. It doesn't have to happen to you! We spend countless hours researching strategies that maximize your assets in order to protect your health and wealth! Let us show you your options!
Did you know you could structure your life insurance benefits to pay for long term care while you are living and still leave a legacy?
It's entirely possible to create monthly payouts that go directly to you as long as you qualify. Feel free to contact us to find out how this works!
The Pension Protection Act of 2006.
How can it help you pay for long term care and never let you set foot in a nursing home!
Did you know that you can accelerate your term life death benefit to pay your skilled home care services while you are living?
We still can help! Watch how you can turn your savings or CD's into increased monthly payouts and in some cases, double your monthly check!
You are probably planning on using some of that money for long term care in retirement. Let us show you how you can take part of your IRA and increase your payouts tax free! Watch this short, eye opening video! it will show you strategies you probably didn't know were available to you!
Enter your email to sign up to hear about the latest retirement strategies directly from us.
It is never too early to get started on your Personal Pension, Long Term Care and Strategic Retirement Plans.
Tell us more about your goals, and we will get you started on the path to achieve them.
12 Richard Road, Rye, New Hampshire 03870, United States
Bill Christo President/Christo Financial LLC. The Private Pension Group The Estate Planning Team (603) 765-2795 Bill@christofinancial.com
Monday - Friday: 9am - 6pm or by appointment
Saturday - Sunday: by appointment only
Copyright © 2018 Christo Financial LLC - All Rights Reserved.
Christo Financial LLC provides advice on retirement related financial strategies. The Private Pension Group is a subsidiary of Christo Financial LLC. Christo Financial LLC will never directly hold or accept funds. All financial transactions will be done through transfers directly to the financial firms chosen to hold our clients funds. All investments have fees associated with them. No company can successfully provide investment services without charging fees. It is impossible. Some fees may not be directly paid from the clients account. Your advisor should have no problem explaining the fees related to any financial product you are discussing.
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