A Smarter, Predictable
Wealth Building Solution
Live Well & Retire Confidently
With a Private Reserve Account
4.9/5 Star Reviews
Thousands of happy customers worldwide.
How Much Does Your 401(k) Cost?
The PRA Advantage:
Your Fast Track to Wealth
Build wealth now, not just for later
Access your money anytime
Tax free withdrawals
Protect your family with Insurance
Eliminate market risk, no losses
Lock in the gains and growth
Superior to a 401(k) in every way!
Earn more, pay less, eliminate risk, and protect your money with Wealth Guard. Make the switch today by speaking with one of our experienced Advisors 🚀
A Real Solution
The program has helped over 70,000 + Americans eliminate debt, build wealth and live better.
Better Performance
Access Your Money Anytime
Lock in Gains & Growth
Eliminate Risk & Loss
Low Fee & Tax Free
100% Support
We support and guide you through the entire process to ensure the best possible results and save you time.
4 Simple Steps
Free Consultation
Personalized Solution
Start Building Wealth
Achieve Your Goals
A Smarter, Predictable Wealth Building Solution
Live Well & Retire Confidently
With a Private Reserve Account
4.9/5 star reviews
Thousands of happy customers worldwide.
How Much Does Your 401(k) Cost?
The PRA Advantage:
Your Fast Track to Wealth
Build wealth now, not just for retirement
Access your money anytime, for any reason
Tax free withdrawals, with NO penalties
Includes Insurance to protect your family
Eliminate Market Risk and Lock in Gains
Superior to a 401(k) in every way!
Earn more, pay less, eliminate risk, and protect your money with Wealth Guard. Make the switch today by speaking with one of our experienced Wealth Advisors.
A Real Solution
The program has helped over 70,000 + Americans eliminate debt, build wealth and live better.
Better Performance
Access Anytime
Lock in Gains
Eliminate Risk
Tax Free
100% Support
We support and guide you through the entire process to ensure the best possible results and save time.
4 Simple Steps
Free Consultation
Personalized Solution
Start Building Wealth
Achieve Your Goals
We Can Help, Get Started Today!
Learn How To Maximize Your Money, Eliminate Debt, and Build Wealth
Learn how to cancel years of mortgage payments, save tens of thousands of dollars in interest, and turn your debt into wealth.
Procrastination is the killer of progress...
Every day you wait cost time (and money).
Imagine you reach the age where you'd been hoping to enjoy retirement, only to find your funds are inadequate...
The reality sets in that your 401(k), which you've religiously contributed to, is insufficient to meet your financial needs. The safety net you'd envisioned is riddled with holes, and the golden years turn into a stretch of anxiety and uncertainty, instead of leisure and pleasure.
It's important to remember that your 401(k) plan doesn't carry an immediate death benefit like some insurance policies; it isn't designed to provide a lump-sum payout to your loved ones in the unfortunate event of an accident.
So, not only are you grappling with the worry of making ends meet during retirement, but you are also burdened with the concern about how your loved ones will manage financially if you're suddenly not around.
It paints a picture of retirement that is a far cry from the comfortable, secure future you had in mind.
The good news is we have a solution, retirement and your financial future can be predictable and exciting.
High fees and enormous risk
Why 401(k) Plans Are Bad For Retirement...
401(k) Disadvantages
Limited Access to Funds: Limited access to your money before retirement age.
Index Universal Life Insurance
Access Your Funds Anytime: Access your money anytime, for any reason, tax free.
No Death Benefits: If you pass away early, all you have is the balance of your 401(k). The amount may not be sufficient, and the funds may be subject to taxes and fees.
Immediate Death Benefits: Your IUL policy not only includes the cash balance contributed, but also a substantial insurance death benefit from day one! This provides immediate protection for your family or beneficiaries.
High Management Fees: 401(k) fees average around 3%, eroding your employees savings over time. This equates to losing approximately half your money in fees before retirement starts!
Lower Cost Option VS 401(k): Universal Life (IUL) policy's are a more affordable alternative for retirement planning, while providing additional benefits including tax savings, and less risk.
Withdrawal Penalties: If you withdraw funds from your 401(k) before age 59 ½.
No Withdrawals Penalties or Taxes: Maximizes employee retirement savings.
Subject to Market Risk: If the stock market goes down, so can the value of your 401(k). In 2008 this happened just before thousands of Americans we're getting ready to retire!
Eliminate Market Risk & Lock In Gains: Accounts can be configured to lock in Index gains, while capturing no loss throughout the year. If the Index goes up, so does your account. If the market goes down your account captures no loss.
Limited Investment Choices: 401(k) plans typically limit investment choices. Thus limiting your return on investment (ROI) options.
Potential for Higher Returns: IUL's are tied to the growth of market indexes, increasing earning potential, while minimizing fees and risk.
401(k) Taxation at Withdrawal: Withdrawals in retirement are taxed as regular income. Imagine losing half your retirement fund due to choosing the wrong account structure.
IUL: No Taxes or Penalties on Withdrawals Maximizes your retirement savings. Imagine having twice the money available at retirement simply because you chose the right type of account!
Contributions Limited: Annual contribution limits, restricting the amount you can save.
No Contribution Limits: IUL policies allow you to contribute as much as you want, as long as the policy remains in force and it meets IRS guidelines.
Mandatory Distribution: Minimum distributions from a 401(k) must begin at age 72.
No Mandatory Distribution: IUL policies don't have mandatory distributions, allowing your money to grow continuously for yourself or your beneficiaries.
Your Journey Starts Here
Learn How To Maximize Your Money, Eliminate Debt, and Build Wealth Today
Cancel years of mortgage payments, save tens of thousands of dollars in interest, and turn your debt into wealth.
Imagine you reach the age where you'd been hoping to enjoy retirement, only to find your funds are inadequate...
The reality sets in that your 401(k), which you've religiously contributed to, is insufficient to meet your financial needs.
The safety net you'd envisioned is riddled with holes, and the golden years turn into a stretch of anxiety and uncertainty, instead of leisure and pleasure.
It's important to remember that your 401(k) plan doesn't carry an immediate death benefit like some insurance policies; it isn't designed to provide a lump-sum payout to your loved ones in the unfortunate event of an accident.
So not only are you grappling with the worry of making ends meet during retirement, but you are also burdened with the concern about how your loved ones will manage financially if you're suddenly not around.
It paints a picture of retirement that is a far cry from the comfortable, secure future you had in mind.
The good news is we have a solution, retirement and your financial future can be predictable and exciting.
High fees and enormous risk
Why Your 401(k) Is A Bad Choice For Retirement
401(k) - Disadvantages
PRA - Advantages
401(k): Limited Access to Funds: Limited access to your money before retirement age.
PRA: Access Your Funds Anytime: Access your money anytime, for any reason, tax free.
401(k): No Death Benefits: If you pass away early, all you have is the balance of your 401(k). The amount may not be sufficient, and the funds may be subject to taxes and fees.
PRA: Immediate Death Benefits: Your IUL policy not only includes the cash balance contributed, but also a substantial insurance death benefit from day one! This provides immediate protection for your family or beneficiaries.
401(k): High Management Fees: 401(k) fees average around 3%, eroding your employees savings over time. This equates to losing approximately half your money in fees before retirement starts!
PRA: Lower Cost Option VS 401(k): Universal Life (IUL) policy's are a more affordable alternative for retirement planning, while providing additional benefits including tax savings, and less risk.
401(k): Withdrawal Penalties: If you withdraw funds from your 401(k) before age 59 ½.
PRA: No Withdrawals Penalties or Taxes: Maximizes employee retirement savings.
401(k): Subject to Market Risk: If the stock market goes down, so can the value of your 401(k). In 2008 this happened just before thousands of Americans we're getting ready to retire!
PRA: Eliminate Market Risk & Lock In Gains: Accounts can be configured to lock in Index gains, while capturing no loss throughout the year. If the Index goes up, so does your account. If the market goes down your account captures no loss.
401(k): Limited Investment Choices: 401(k) plans typically limit investment choices. Thus limiting your return on investment (ROI) options.
PRA: Potential for Higher Returns: IUL's are tied to the growth of market indexes, increasing earning potential, while minimizing fees and risk.
401(k) Taxation at Withdrawal: Withdrawals in retirement are taxed as regular income. Imagine losing half your retirement fund due to choosing the wrong account structure.
PRA: No Taxes or Penalties on Withdrawals Maximizes your retirement savings. Imagine having twice the money available at retirement simply because you chose the right type of account!
401(k): Contributions Limited: Annual contribution limits, restricting the amount you can save.
PRA: No Contribution Limits: IUL policies allow you to contribute as much as you want, as long as the policy remains in force and it meets IRS guidelines.
401(k): Mandatory Distribution: Minimum distributions from a 401(k) must begin at age 72.
PRA: No Mandatory Distribution: IUL policies don't have mandatory distributions, allowing your money to grow continuously for yourself or your beneficiaries.
STEP 1: Get Your Savings Report
Because It’s Time To Seek Financial Advice From Experts Who Care
Learn more by scheduling a call to speak with one of our Wealth Advisors.
Our team will provide a personalized savings report showing your exact rout to financial independence like a GPS.
Procrastination is the killer of progress...
Every day you wait cost time and money.
Frequently Asked Questions (FAQ)
Will you ask for Personal Information like Credit score, or Social Security Number, etc?
NO, we respect your privacy! We simply need a list of your debts, how much you owe, and the interest rate. From there, our smart software will calculate all of the payoff dates, how much you can save, and the shortest path to becoming debt-free!
What is Index Universal Life Insurance (IUL)?
Index Universal Life Insurance provides a unique blend of financial protection and investment opportunities. It is a versatile financial insurance tool that not only provides a death benefit for your loved ones, but also offers potential for cash value accumulation linked to the performance of a market index. This means your investment has the chance to grow significantly while also being protected from any negative market downturns.
Can I use IUL Insurance for retirement planning?
Absolutely! The cash value accumulation feature of Index Universal Life Insurance can supplement retirement income. You can strategically take loans or withdrawals from your policy to help fund your retirement years, making it a flexible tool for retirement planning. Access your money anytime, for any reason, tax free.
How flexible is IUL Insurance?
One of the major selling points of Index Universal Life Insurance is its flexibility. It allows you to adjust the premiums, death benefit and investment component to meet your changing financial needs. This means you can increase your coverage during peak earning years or reduce it when funds are tight, ensuring the policy adapts to your life circumstances.
Doe's IUL Insurance offer tax benefits?
Yes, it does. Like other types of permanent life insurance, Index Universal Life Insurance provides tax-deferred growth on your cash value, and the death benefit is generally income-tax-free for your beneficiaries. Furthermore, it allows for potentially tax-free loans and withdrawals from your policy's cash value, providing an additional financial resource during your lifetime.
What if the market goes down?
One of the key features of Index Universal Life Insurance is that it provides downside protection. Even if the market index performs poorly or goes down, your cash value will NOT decrease due to market loss protection. In fact, many policies guarantee a minimum interest rate, ensuring that your cash value grows over time regardless of market conditions.
Frequently Asked Questions (FAQ)
Will you ask for Personal Information like Credit score, Social Security number, Account numbers?
NO, we respect your privacy! We simply need a list of your debts, how much you owe, and the interest rate. From there, our smart software will calculate all of the payoff dates, how much you can save, and the shortest path to becoming debt-free!
Will there any increase to my current monthly budget or expenses?
NO, your expenses will NOT go up. The goal is to reduce your monthly expenses by paying off debt quickly, thus giving you more money to save and invest as you wish.
Does this require a mortgage modification, alteration, or any other change to my current mortgage?
NO, our program does NOT require any changes to your current mortgage or other debts. Our system simply helps cancel and eliminate interest payments, based on math, leverage, float, and interest cancellation principles. The system guide you every step of the way.
Do I have to have good credit?
NO, good credit is helpful, but NOT required to rapidly eliminate all of your debt, this process may actually improve your credit overtime.
Do I have to be current on my bills?
NO, however you DO have to have the income and ability to pay your bills.
Do you offer support and coaching?
Absolutely, our team is here to help anytime you have a question, before, during, and after you become a client. We walk you through the simple set up process, and make things easy to understand.
WealthGuard Insurance and Financial Solutions
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