RETIREMENT INCOME STRATEGY
PROTECT.
GROW.
ENJOY.
I once asked a very wise retired client the following question, “What Does Financial Freedom mean to you?” She answered, “It means having certainty, comfort, control and choices, this is freedom.” We want you to have a strategy that gives you freedom.
You can have certainty and peace of mind when it comes to your financial future and well-being.
Whether you are just getting started in retirement, been in it for a while or beginning to think about it, ask yourself this, “Do I have a real retirement income strategy in place? A strategy that will both grow and protect my money so I can enjoy life without financial worries during retirement. A strategy that gives me certainty and peace of mind. Not just financial products or just a plan, but a true strategy that puts me in control, and gives me options and flexibility when needed.” You can have certainty and peace of mind when it comes to your financial future and well-being. Hoping so is not a strategy.
GIVE US A CALL & LET US HELP YOU PUT YOUR STRATEGY IN PLACE TODAY!
SCOTT CHAPMAN
ZEB CHAPMAN
“We must take care of our own house first. If we can’t get it right for ourselves, how can and why should we expect any different from government. We must take personal responsibility for ourselves and our loved ones in order to mitigate the effects of the coming economic and fiscal issues and changes to be made. It will take patience, persistence, perseverance and pain, but we must do what is necessary to create a better future for ourselves, our families and our country. I personally have provided peace of mind, certainty, security and control for my wife and myself by utilizing a significant portion of our retirement savings to purchase products from financially strong insurance companies, therefore protecting and preserving our retirement savings. You should consider what makes sense for you and your family. Chapman Financial Services can help you do so.”
HON. DAVID M. WALKER
Former U. S. Comptroller General, 1998-2008 Client of Chapman Financial Services
Tax Free or Tax Exempt
Municipal Bonds
Roth IRA/401K
High Cash Value
Whole Life Insurance
Tax Deferred
Future Taxable at What Rate?
Traditional 401k/IRA
457 403B
Pensions Annuities
Taxable
Taxed Annually at What Rate?
Savings Accounts, CD’s, Money Markets, Mutual Funds, Stocks, Corporate and Treasury Bonds, Real Estate
$150,000
22%
Marginal
Tax Rate
$2,340,000
20 years
$75,000
12%
Marginal
Tax Rate
$75,000
15%
Capital Gains
Tax Rate
$2,595,000
20 years
$50,000
12%
Marginal
Tax Rate
$50,000
0%
Capital Gains
Tax
$50,000
0%
Fully Tax Exempt
$2,880,000
20 years
Protect
Grow
Enjoy
You have worked hard, saved and invested. You have accumulated a nice nest egg for your future. Do you know you can protect it from loss while still growing it? Perhaps it is time to consider a plan that will give you certainty and peace of mind and won’t take your money when the markets go down. A plan that you can count on and know will be there for you in the future. Yes, you can protect and also grow your money to enjoy your life during your retirement years without concern for declining market values. Let us show you how to do just that:
Rate or an uncapped participation rate on the policy anniversary. The guaranteed interest rate is also annually adjustable, You may split the allocation of your money between the guaranteed rate and the S&P 500 Index. You can changed the allocation annually.
ANNUAL RESET – Any gains lock in annually to your balance on the policy anniversary date and your opportunity for growth starts fresh and new from that point for the next 12 months. Your principal and locked in gains are contractually guaranteed against any loss. Your money is safe, secure and protected by the financial strength of a mutual life insurance company that is over 135 years old. Your balance never decreases due to market volatility. You have the certainty of knowing the money is actually yours and not just some hypothetical number on an account statement. In a down market environment, the annual reset allows your money to start growing from a higher number when the market recovers. No fees are charged.
SOURCE OF FUNDS – Money from any source (401k, IRA, Savings/Checking Account, CD, etc.) is accepted. IRA’s can be traditional tax-deferred or Roth. Many previous employer or current employer retirement, 401k and Pension plans will allow you to move some or all your current balance into this plan.
INCOME TAXES – Moving the money into this plan does not create a taxable event. The funds remain or become tax deferred and are taxable as normal income only when you withdraw fund from the account. All state and federal tax laws, such as 59 1/2 early withdrawal and Required Minimum Distributions apply.
LIQUIDITY – This is a 7-year contract with 10% penalty-free annual withdrawals. In the case of need for long term care the money can become 100% available. After 7 years, the money becomes fully liquid and functions the same way. Upon the death of the owner, any remaining balance goes to a designated beneficiary.
Most people simply do not know that, yes you can participate in the upside growth of the stock market with no worries of ever participating in the downside losses. You talk about peace of mind.
You do not have to hang the certainty of your future on the whims of markets and government who play games with your money and your future. Take control and enjoy the freedom!
