Annuities – Some annuities may provide contractual guarantees. Several income for life options. Annuities can serve as a flight to safety with upside potential. Most are tax deferred and probate free with some liquidity and income features. There is much to know about annuities like the costs, risk, and fees associated with your annuity contract. Surrender charges & liquidity – how much can you access? Immediate, Fixed, Index, & Variable-which type is best for you? Bonuses, caps, margins, asset fees, spreads, GMIBS, IPR’s – Understand this terminology? Annuities-the Good, the Bad, and the Fine Print. Get the pros and cons-non-biased. Annuity rescue and maximizations options and strategies available upon request. Comprehensive annuity reviews.
IRA Distribution Planning – THE MISSING ESTATE PLAN! You have layers of trusts form a reputable law firm. Your investment advisor has done a fabulous job at growing your next egg. Seems like all is in order…right? Wrong! Without proper planning the IRS may be the largest beneficiary of your IRA/401k and qualified plan. This asset is highly taxable and may be subject to a double taxation at death losing as much as 70% or more to taxation. IRA’s and trust planning-a mistake in this area is irrevocable and may cost your heirs a fortune in taxes. Are your beneficiary documents maximizing your IRA for up to 3 generations? The stretch, inherited and multi generational IRA tax planning. Defer the LUMP SUM taxation for up to 3 generations with The Total IRA Care Solution. Go to www.irahelp.com and then call Financial Solutions Unlimited, Inc. John M. Chambers will assist you.
Estate Planning – Do you have a current valid estate plan? Which is best- a Trust or a Will? Irrevocable or Revocable? Should your insurance contract be held in an ILIT?
Charitable Trust Planning. Special needs trusts. IRA Inheritance Trust Planning. Powers of Attorney. Health Care Directives. Is your road map well documented?
Life Insurance – Should you own life insurance? Are you over or under insured? Is your policy competitively priced in today’s market? Will your tax free insurance become a taxable event? With pending changes in the estate tax exemption-will you be over insured? Whole life, UL, VUL, Term which is best for you? Understanding the Irrevocable Life Insurance Trust. Life settlements-the pros and cons. Premium financing-do you qualify?
Long Term Care Insurance – The best investment portfolio and estate plan can be wiped away in the event of a long term care situation. Should you purchase long term care insurance?
PRODUCTS & SERVICES SUMMARY
Round Table discussions
Public Briefings
Public speaker for your group
Consultation
Analysis
IRA Distribution Planning-The Total IRA Care Solution
Precious Metals
Annuities
Life Insurance
Long Term Care Insurance
Trusts & Wills Referral Service
Fee based Wealth Management referral Service
“Rule #1: Never lose money. Rule #2: Never forget rule #1.” –Warren Buffett
Financial Solutions Unlimited, Inc. Asset Protection / Lifestyle Preservation
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