WHAT IF?....almost every source of information about retirement investing has been deliberately, massively confusing? Making it so complicated you just “surrender” and sign where they put the sticky yellow Post-it notes?
WHAT IF?....their advice, their pie-charts, their market risk portfolios FAIL TO “INSURE” YOUR WAY OF LIVING, FOR LIFE?
Please Read Every Word Of This Report.
It could make the very difference between struggling financially up to your very last breath…or living the comfortable, financially free retirement you’ve always dreamed of and intended.
Why Is This Essential Reading?
Consider this: 40% of people run out of money during retirement. What most have in common is: they didn’t think it could happen to them! And in most cases, it’s not their fault. Despite their best efforts and intentions, instead of enjoying time with the grandkids, traveling, pursuing new interests, and simply relaxing…they’re awake late at night wondering, worrying, and stressing about money. That’s no way to live or retire. It is NOT necessary.
Why does this happen? Just look at all of the circumstances beyond your control that affect how far your retirement dollar actually goes. As of this writing, inflation is bleeding everyone dry. The stock market could collapse (again) at any time killing off your investments. The housing market can collapse (again), trouncing your 401k. Taxes shoot up. Social Security income plummets because someone in Washington decides to “tinker” with it. It’s a constant battle.
You Can’t Know
What’s Going To Happen Next
But you can prepare for the worst financial storms. You can make informed decisions that protect your finances and your future. Guaranteed Income For Life means just that: Locking in income that PAYS YOU EACH MONTH. Just like when you used to receive a paycheck from your job or your own business.
Most retirement investing involves a myriad of risks AND IT’S NEVER DONE. You and/or your financial person/people are always actively managing, market-watching, adjusting, making new decisions. But you can actually BE DONE with all that. You can put your Freedom Protection Plan in place and “set it AND FORGET IT”.
So read this book. Read every word. Size up this information for yourself. Decide if it’s right for you, for your family. Guaranteed Income For Life is not for everyone. But it’s perfect for anyone who prioritizes safety, security, and certainty when it comes to investing in retirement.
Sincerely,
Tim Whipple,
WealthExpress® Ambassador
PS: As a pastor for many years, I sadly witnessed quite a few of our seniors unpleasantly surprised at quite literally running out of money, having to shrink their way of living. Others even forced into dignity-killing bankruptcy by huge medical bills or just a big stock market crash. Much of this was heart-breaking. That’s why I accepted this position. And why I use this Plan and have shared this Plan with my family.
IMAGINE BEING ABLE TO QUICKLY AND EASILY...
- Lock in Guaranteed Income For Life with No Risk and No Loss of Principal
- DIVORCE THE IRS, paying as few taxes as legally possible in order to keep more of your savings
- Make your 401k and IRA “market-proof” so you never have to worry about the ups and downs of the market
- Get a “paycheck” EVERY MONTH just like you did before you retired.
It isn’t just possible...it’s easy!
If that appeals to you, KEEP READING:
Word On The Street Is This...
Bankers can offer you Guaranteed Income For Life, with returns much higher than the painfully low returns you get with CDs and interest-bearing accounts. But they don’t like to talk about it unless customers bring it up. And it is not their primary business or area of specialized knowledge.
Financial advisors can set you up with Guaranteed Income For Life. But they’d much rather you invest in the financial products that are more profitable to THEM. They prefer having you active in the stock, bond, muni-bond, ETC, etc markets requiring constant re-doing of your portfolio.
Warren Buffet’s Secret
Perhaps most incredible of all... WARREN BUFFET...
Word on the street has it that Warren Buffet invested in three separate Guaranteed Income For LIfe programs…BUT he does not list them on his investment reports. Insiders believe the government is paying him to keep quiet about it.
Why? Because EVERYONE listens to Warren Buffet for investment advice. If he were to publicly praise Guaranteed Income For Life, EVERYONE would rush in. The government would lose a massive amount of tax revenue. Financial advisor profits would plummet. And Wall Street would have a much harder time juking people out of their money.
Shed no tears.
It doesn’t matter how Guaranteed Income For Life affects their balance sheet. What’s important is what it will do for you: provide increased monthly income from your savings and investments while strengthening the safety and security of your hard-earned money…and legally reducing the tax bite of your retirement income.
Guaranteed Income For Life gives you a paycheck each month. No risk, no loss of principal. It has long-term growth potential. It’s customizable based on your financial goals. Once locked in, your income cannot be reduced. (Ordinary company pensions CAN be.) Even if you live to be 105, your income continues and cannot be reduced.
A Guaranteed Income For Life “solid foundation” helps you prepare carefully for a stable retirement.
All Those Money-Hungry Vampire Ads
HAVE YOU SEEN ALL THE ADS inviting you to “sell your life insurance policy for cash”? That happens at a big loss to you. It’s a rather ghoulish business called “viatical settlements”. They invest in your expected death. If you ever thought of life insurance as a way to protect your retirement, this tells you it fails. With some policies, you may be allowed to borrow a small amount from the insurance company. Or you can discount it and sell it to these vampires.
AND HAVE YOU SEEN ALL THE ADS FOR “REVERSE MORTGAGES”? These can be useful. But the fact that they are constantly advertised on TV every day and night tells you a lot of retired people are in tough financial straits and have no choice but to give up their homes. They get cash and to live in them, but when they die, the company owns their house—it can’t be passed on to their families.ALL THIS PROVES THAT BAD THINGS HAPPEN TO GOOD PEOPLE. ENTIRELY UNEXPECTED TRAGEDIES CAN VACUUM UP SOMEBODY’S RETIREMENT SAVINGS. But none of this…nothing…can ever take away your Guaranteed Income For Life, locked in by The Freedom Protection Plan®!
Guaranteed Income For Life provides income for you to enjoy now AND allows you to pass on everything you worked for without sacrificing too much in taxes…all literally GUARANTEED.
Guaranteed Income For Life removes your worries and anxiety about outliving your money…and replaces them with CERTAINTY—in a very uncertain world.
Here is what Guaranteed Income For Life is NOT: It’s not a bright, flashy, high-risk, high-reward, swing-for-the-fences investment. If you’re looking for get-rich-quick scenarios, this is not the product for you.
Guaranteed Income For Life is ONLY for people looking to safely and securely grow their money in order to leave a legacy for their family while, importantly, making sure they have the income they need, that they can’t outlive.
FOR YOU, WE USE Guaranteed Income For Life structured by our Freedom Protection Plan® as a very safe, secure, conservative investment designed to grow your wealth and with modest returns, give you a helpful monthly paycheck for the rest of your life, and protect your investment as carefully as if it were our own parents’.
Safe, secure, sensible investing. That’s what people with good, old-fashioned common sense in or approaching retirement want. People who love our Plan are NOT greedy. They want to be good stewards of their money. NEVER be a burden to their family. ABLE TO CONTINUE supporting church and charities.
And that’s what God wants.
God approves of leaving an inheritance. (Proverbs 13:22). He also teaches that it is imperative to provide for one’s family. (1 Timothy 5:8). However, all this can be over-done. And misunderstood. “Inheritance” does not mean just cash or property, but the passing along of values, principles, and understanding of how the money came to be and what wise stewardship of it is expected.
Guaranteed Income For Life sets the example for growing your money in a responsible fashion, with tangible benefits you can enjoy now while creating a legacy for your spouse, your kids, the future generations.
Sound crazy? It’s not.
Is it “normal”? Remember, “normal” investment products are simply the more profitable products Wall Street and financial advisors push on uncertain investors. “Normal” is what investors buy when they don’t know what to invest in. “Normal” doesn’t mean “better”; It means commonly sold. If you watch financial news like on FOX-Business or CNBC, you’ll NEVER see Guaranteed Income For Life discussed, because the truth is, these programs are disguised advertising for Wall Street. Everybody on them pushes stocks.
What’s important is investing in products that are right for you, that match your goals and values, NOT that Wall Street prefers to sell. Guaranteed Income For Life is the powerful opportunity you’ll discover when you break from “the norm”.
Can You Invest With A Plan
That Insures Your Way of Living?
Think about it. You probably have life insurance, to provide for family members IF or WHEN you die. You probably bought it while still relatively young, because you started a family and your children’s lives were dependent on your finances.
But you don’t have LIVING insurance.
You may have pre-paid long-term care insurance, should you need to move to an assisted living or nursing facility or get in-home nursing care. But that takes care of living under unwanted conditions that hold you captive.
But you don’t have LIVING insurance.
Why not insure your LIVING well, while well? That’s what a Guaranteed Income For Life Plan is.
You “paid your dues” 100 times over. You are of the generations that made America great. You worked hard, paid your bills, raised a family. Surely it’s worth reviewing all the ways Guaranteed Income For Life can immediately help you…
1. A Guaranteed Paycheck Every Month For The Rest Of Your Life
The name says it all. Guaranteed Income For Life gives you a monthly paycheck, just like you have been used to receiving your entire career. The size of this monthly payment depends on how much money you put into the Plan. That principal accrues interest. You get your principal plus earnings when the contract term expires.
More importantly, Guaranteed Income For Life gives you an additional income stream to go with your Social Security income benefits, pension, pay-out from selling a business and other investment earnings.
2. It’s Guaranteed Safe
Guaranteed Income For Life is one of the safest investments possible because it guarantees the safety of your principal investment regardless of how the market performs. Each plan is a contract between you and the insurance company backing the Plan. They’re committing to (A) return your principal no matter what happens in the market, and (B) they’re guaranteeing a return on your investment. No risk, no loss of principal, no matter what happens in the market. Can’t say that about your 401k!
The only way it is possible to “lose” money is if you make an early withdrawal that exceeds the agreement’s penalty-free withdrawal amount. You will also have to pay taxes on it.
3. You Get Guaranteed Returns
With a Guaranteed For Life Plan, you get guaranteed returns, on average about 4% to 4.5% per year. Even if the market has a down year you get this as your guaranteed paycheck. By law, the insurance company backing the Plan must pay you the guaranteed return amount.
4 to 4.5% may seem like a modest amount. But that’s much better than interest rates on many CDs, money markets, and bonds. And it’s certain. Plus, you still have the potential to earn more in an “up” market. You DO have an “upside.” But you have NO “downside”.
4. It Can Be A Great Way To Save On Taxes
One affluent, knowledgeable investor using this Plan I know describes Guaranteed Income For Life as “divorcing the IRS”. That’s because a Guaranteed Income For Life policy lets you accumulate earnings on a tax-deferred basis if you wish, until the Plan expires. You don’t have to even worry about taxes until the principal plus earnings are withdrawn.
As a comparison, 401ks are a solid way to build retirement savings. But they have excessive fees, totaling hundreds of dollars PER YEAR for most Americans. Think how much that costs you over 30 or 40 years. Tens of thousands of dollars. In some cases that could mean years of hard work lost to fees. That’s absurd. AND THEN… In the event of your passing, your 401k is going to be taxed 3 times before it passes on to your beneficiaries. 3 times!
Now consider this… if you are no longer working for the company where your 401k was set up, you can roll it into a Guaranteed Income For Life Plan. And when the Plan term ends, you only pay taxes once. That’s a serious tax savings.
The truly wealthy (and their full-time accounts) know this. Avoiding taxes—legally, ethically—is very possible. And a Guaranteed Income For Life plan is a great way for anyone to do it.
With your Freedom Protection Plan®, you decide whether you want income now or deferred for later, and you decide when you will take care of the taxes.
5. You Could Get A Really Big Bonus
Guaranteed Income For Life products come with several different penalty-free periods. Most common are 7, 10, and 14 years, after which you’re free to withdraw your funds without penalty. Often, when you invest in a 14-year term, you can automatically receive a very big Sign-On Deposit bonus from the participating insurance company. Big as in 20% of your principal paid into your account, guaranteed. That makes you money right out of the gate. And that extra money is going to earn you additional returns over the life of the Plan.
6. Not Portfolio Diversity—INCOME diversity
Don’t put all your eggs in one basket. Diversify your portfolio. Every investor knows to avoid that. It’s a great safety measure that protects you from losing everything all at once. BUT it’s still an imperfect protection. If your portfolio is made up of stocks, bonds, ETFs…it is still one basket of market volatility and risk! NO guarantees.
And what about dividend stocks. A popular strategy sold to retirees is owning only dividend-paying stocks. Some pay 4%, some 7%, some even more. The higher the dividend, the less stable the company. It HAS TO offer high dividends to attract capital. BUT the dividend can be reduced or even suspended altogether arbitrarily. Or you get your dividend but the value of your stock falls by a lot more than the dividend. YOU ARE ALWAYS AT RISK!
However, Guaranteed Income For Life from the Freedom Protection Plan® provides you with monthly income that, when paired with your other income streams (Social Security, dividends, pensions, investment earnings) gives you INCOME DIVERSITY. Separate streams of monthly income you can count on to pay expenses, fund your way of living, and live well…all without touching your retirement nest egg.
7. It Really Is Guaranteed?
We really can say that it’s guaranteed. Here’s why: The money you invest is attached to a fixed index fund. That means it is not susceptible to the ups and downs of the market. Additionally, your investment is backed by the major insurance company offering the Plan. Even in a down year, they’re still obligated to return your invested principal as well as the returns promised on that investment. For once, guaranteed actually means guaranteed.
In fact, NO failure or disruption of these Plan payments has ever occurred. Savings & Loans have failed, banks have failed, people with deposits exceeding FDIC limits have lost their money, people have waited months to get paid...FDR once declared a “bank holiday” to stop a run on the banks and let no one make withdrawals...corporate pensions get slashed...and, of course, the market itself is very volatile and being dependent on it for your income is nerve-wracking. These Plans EQUAL REAL PEACE OF MIND.
8. Guaranteed Income = Guaranteed Freedom
Having more money coming in regularly always helps, especially in retirement. A Guaranteed Income For Life, Freedom Protection Plan® gives you the freedom to maximize your retirement without having to constantly watch for market ups and downs, pay oppressive taxes, or worry about outliving your money.
Guaranteed Income For Life frees you to truly enjoy your retirement. Indulge in travel. Relax on vacation. Play golf, tennis, or pickle-ball. It allows you to live generously, donating time to charity, community, or church.
Is Guaranteed Income For Life For You?
Yes, it is if you are looking to:
- Invest in a way that protects your principal.
- Accumulate tax-deferred assets
- Have a guaranteed income stream
- Enjoy multiple income streams during retirement
- Guarantee income to a spouse or to a family member with special needs
- Pass on assets to your beneficiaries without delay or cost of probate.
- Reduce taxes on Social Security benefits.
- Never, ever, ever outlive your income.
What To Do Next
GOOD NEWS! This does NOT have to be complicated. We “de-mystify” it. We make it easy for you and your spouse to understand, verify, and feel comfortable with. Safe, secure retirement investing and Guaranteed Income For Life can be fast and done with WealthExpress®.
The Next Step is for a no-fee, no obligation meeting with a WealthExpress® Certified Advisor in the privacy of your home. The meeting typically takes from 30 to 90 minutes, about the length of a TV program.
What To Expect From Your Private, At-Home Meeting
Your Private Meeting with a WealthExpress® Certified Advisor will begin with them asking what you would like your retirement to look like. It’s okay if you’re not entirely sure. Your Certified Advisor will start to show you what’s possible, based on the amount of money you’re looking to invest. They will:
- Explain how it all works, clearly, understandably
- Help determine your preferred level of investment
- Calculate—with real numbers—how much money you can expect to earn over the course of the Plan.
- Illustrate how these same Plans have performed over the past 10 years.
- Show you exactly how much your monthly Guaranteed Income For Life paycheck will be.
- Confirm how much you can withdraw each year with no penalty.
- Reveal your Initial Deposit Bonus
Rest Assured, Your Privacy Is Respected
Do NOT Worry About “BEING SOLD”
The Freedom Protection Plan® is, ultimately, a PERSONAL decision. We want you to have all the facts and we trust you to make the best decision for you and your family. There is NO “PRESSURE”.
One “Caution”...
A Brief Personal Note
As I said at the beginning, in my 40 years as a pastor, I witnessed a lot of pain and financial embarrassment and shock by retirees and seniors who believed they had a secure retirement—and suddenly had their assets base savaged, and therefore the income they depended on cut in half or worse. This motivated me to make a very serious study of “retirement investing”. What I found surprised me—(1) that 90% of all retirees had 50% to 90% of all their savings AT RISK and (2) most had NO guaranteed income as a solid foundation.
This led me here. I think of it as my new calling. I am proud of the work we are doing at WealthExpress®. I really pray that you will invite us into your home, to show it all to you. Nothing beats a person-to-person conversation. We live now in an era of isolation-by-internet. I don’t like it. I like to shake somebody’s hand, look them in the eye, talk with them and, as my father said, “take their measure”. Let’s do that. And please don’t procrastinate.
Tim Whipple
WealthExpress® Ambassador