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What Makes Us Different

The Circle of Wealth System is a third-party software system used to graphically illustrate many of the features and benefits of fixed, permanent life insurance, and how it might be used as a financial solution for a client’s situation. We use the following tools within this system to demonstrate financial principles, and to explore your situation:

Disclosure

Circle Talk

The Circle Talk refers to a process we use to help you define your personal circle of wealth. This includes: accumulated money, transferred money and lifestyle money.

In this candid discussion we will together develop a picture of your financial health.

Our goal through this process is to find the money needed to improve your financial health without changing your lifestyle. We can’t always guarantee we can find the amount of money you may need or want, but we can guarantee that we will exhaust all our efforts to make sure that what you are doing financially is as efficient as possible.

It begins by completing a simple questionnaire.

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Mortgage Master

Your home is probably the largest personal investment you will make. How you decide to pay for it can create unnecessary wealth transfers. Wealth transfers occur no matter how you decide to pay for your house.

  • If you finance: you transfer interest to the lending institution for the privilege of using their money.
  • If you pay cash: you save interest, but you lose interest too because that money no longer is earning interest for you.

Understanding where the wealth transfers can occur in your mortgage can help prevent unnecessary losses.

Working with our clients we explore questions to assure that you are comfortable with the decisions you are making and the implications of those decisions long term.

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Personal Economic Model

Have you taken the time to visualize your financial future? Do you know what you want it to look like?

Most people don’t realize how money actually flows and the impact decisions you make on a daily basis can impact you. We can introduce you to a unique concept we refer to as the Personal Economic Model, to help you gain a true picture of how your money flows.

We help people just like you change their economic outlook, putting them in a better position to realize their future goals and dreams.

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Private Reserve Strategy

A Private Reserve Strategy is designed to help you develop or improve your financial position by avoiding or minimizing unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility and control.

A fundamental key to the Private Reserve account is that the money (your money) must be accessible through collateralization.

We help assure that you understand this concept!

The Circle of Wealth System is a third-party software system used to graphically illustrate many of the features and benefits of fixed, permanent life insurance, and how it might be used as a financial solution for a client’s situation. We use the following tools within this system to demonstrate financial principles, and to explore your situation:

The Circle of Wealth System is a third-party software system used to graphically illustrate many of the features and benefits of fixed, permanent life insurance, and how it might be used as a financial solution for a client’s situation. We use the following tools within this system to demonstrate financial principles, and to explore your situation:

 

Disclosure

 

Qualified Plans

Qualified Plans are tax deferred savings accounts sanctioned by the federal government – which is what make them Qualified. Qualified Plans provide a tax deduction at the time of deposit, such as 401(k), IRA, SEP and simple retirement accounts.

Qualified Plans do two things:

First, they defer the tax.

Second, they defer the tax calculation. Since the calculation of taxes is deferred (until withdrawals start), qualified plans will work great if you retire in a lower tax bracket than your current tax bracket. However, if you retire in a higher tax bracket, then the qualified plan cost you money. This is because you pay more taxes in the higher tax bracket.