REAL ESTATE PROS: Why is asset protection, wealth-building and preserving generational wealth for your children and children’s children important?


Because real estate professionals are business owners and entrepreneurs that are responsible for their own benefits (health, life, retirement, etc.). While real estate professionals earn a comfortable living, in most cases they also lack the benefits within their organization (where they hang their license) for asset protection and wealth-building.


“Walk a mile in my shoes” – While I have never walked a mile in the shoes of a real estate professional, I did, however, manage a marketing agency that specialized in marketing real estate. I understand thoroughly the commitment, the daily grind and the amount of sweat equity it requires to become a real estate producer. With that sound understanding of the fabric that makes up a producing agent or broker, also comes an understanding of the problems and challenges that go along with being a real estate professional.


“The Support You Deserve” – Real estate and my industry (asset protection, retirement income, and life insurance) have a LOT in common. First, our industries are saturated with professionals that feel entitled to go straight from coursework to licensing to working “big tickets” (large commission clients). What happens is then is that the “smaller ticket” clients are ignored, neglected and not treated with the respect and due-diligence they deserve.


If in your profession you believe in treating every client with the respect they deserve, I would love an opportunity to speak with you. I specialize in, we specialize in, treating EVERY client with the respect they deserve whether it’s a “big ticket” or a “small ticket”. If you have an absolute need for asset protection and/or life insurance – AND – are concerned about having enough money for retirement, fear running outliving your money or are feeling uncertain about how (if) social security benefits might be too little, too late, then I would LOVE an opportunity to sit with you and learn about those concerns.


We specialize in asset protection, life retirement, legacy building and generational wealth-building strategies for real estate agents and professionals. We can help unlock for you the same strategies that have amassed generational wealth for the likes of the families like Walt Disney, J.C. Penney, Sam Walton, and many others.

The Super Roth for Real Estate Agents

The Super Roth uses after-tax contributions as premiums into a permanent life insurance policy – whole life, indexed universal life or variable universal life insurance. When the need for death benefit coverage and retirement income collide, the perfect storm is created for a Super Roth is created. These policies are structured in a manner to minimize the life insurance death benefit and maximimize the tax-free cash accumulation growth allowed within policy limits set forth in IRS Section 7702.

Tax Free Retirement

TAX FREE RETIREMENT

Not knowing where to put your nest egg and retirement funds can lead to sleepless nights. We empower people with the asset protection and retirement funding tools to ensure our clients sleep well at night knowing that they can live their golden years tax free.

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GENERATIONAL WEALTH & LEGACY

Learn more about the tools and financial vehicles that have built generational wealth for some of the wealthiest people in history. The tools and financial instruments are designed for wealth preservation, legacy building and ensuring generational wealth transition.

YOUR RETIREMENT OPTIONS

TRADITIONAL IRA

The good old traditional IRA is available for anybody who has an income. There is never an employer match and the maximum contribution limit is $6,000. When you turn 50 you can start making extra $1,000 contribution every year (this is called the annual ‘catch-up’). Traditional IRA’s are great, they allow you (or your advisors) to control the asset allocation and define your preferred level of risk tolerance and growth. A GREAT PLACE TO START and you do not need any assistance from your employer.

SIMPLE IRA

Small business employers and their employees can contribute to a Simple IRA. The maximum annual contribution amounts to $12,500. Employers match 1% to 3% of total pay or contribute a fixed 2% employer contribution to all employees. Catch-up is capped at $3,000 but it is possible to continue to make contributions after age 70½. Small business owners and self-employed people qualify for a a simple IRA with the advantage of a simple IRA over a traditional IRA being you can contribute up to $12,500 vs. $6,000.

SEP-IRA

The SEP-IRA, like the Simple IRA, is available to small-business employers and employees. Contributions are limited to 25% of salary with $53,000 being the absolute maximum contribution allowed. All contributions are made by the employer. Caveat: you cannot contribute a higher percentage for yourself than you do for your employee(s). While there is no room for catch-up payments, contributions are permitted after age 70 ½. The contributions and any capital growth are tax-deferred so you will end up being taxed upon withdrawing funds. You can start taking money out at age 59½, but you don’t have to do so until age 70½.

ROTH IRA

The Roth IRA is similar in many ways to the traditional IRA except Roth IRA contributions are with AFTER TAX dollars. Again the maximum annual contribution amounts to $6,00. There is also the $1,000 catch-up.Another difference between them is the timing of when you get a tax break or pay taxes on the original income earned: the traditional IRA the contributions are tax-deductible when you earn the original income  but any deductible contributions and earnings you withdraw or that are distributed from your traditional IRA are taxable; with the Roth IRA once again, you do not deduct any contributions up front on your taxes, but all withdrawals are tax-free.

DEFINED BENEFIT PENSION PLAN

Defined-benefit plans, aka pension plans or qualified-benefit plans, are termed “defined benefit” because employees and employers know the formula for calculating retirement benefits ahead of time, and they use it to define and set the benefit paid out. This fund is different from other retirement funds, like retirement savings accounts where the payout amounts depend on investment returns. Poor investment returns or faulty assumptions and calculations can result in a funding shortfall, where employers are legally obligated to make up the difference with a cash contribution.

SOLO 401k

The Solo 401(k) is accessible for sole proprietors of small businesses and their spouses. Contributions are capped at 25% of profits plus $18,000 — that amount can never go higher than $53,000. With the Solo 401(k), there is no employer matching. Catching up can happen with big leaps, however, with up to $6,000 in catch-up contributions possible. That’s a great feature if you are running behind on building your nest egg or didn’t have enough cash coming in at the beginning of the year. As with a traditional 401(k), your contributions are pre-tax, and you are later taxed on withdrawals in your retirement.

SUPER ROTH

Super Roth’s use after-tax contributions as premiums into a permanent life insurance policy – whole life, indexed universal life or variable universal life insurance. The policy is structured is a manner to minimize the life insurance death benefit and maximimize the tax-free cash accumulation growth allowed within policy limits set forth in IRS Section 7702. The Super Roth is best suited for professionals between the ages of 35-55 – OR – agents with at least 20 years until planned retirement. If you are beyond the 20 year horizon to retirement, the Super Roth is a superior option.

DO NOTHING

The ONLY option that you can’t afford to do. In today’s world of indepedently contracted solo-preneur agents, there is very little in the way of employer contributions to retirement funding. Don’t fall into the trap of doing nothing – OR – waiting too long to do something. Above all, good ideas are less than worthless unless you take personal intent filled action to implement them. Studies repeatedly validate that every year you wait to start collecting on your own retirement planning deductions/contributions that the losses in future value are both irreplaceable and shockingly significant!

ASSET PROTECTION & WEALTH-BUILDING AGENT CASE STUDIES

REAL ESTATE PROS – WHAT EXACTLY IS ASSET PROTECTION?

Asset Protection – Asset protection is a set of legal techniques and a body of statutory and common law dealing with protecting assets of individuals and business entities from civil money judgments. Asset protection also includes protecting your assets from PUBLIC claims (i.e. taxes) against your property. The goal of asset protection planning is to insulate assets from claims of creditors without perjury or tax evasion.

Asset protection is NOT a one-size-fits-all approach. There are many solutions to asset protection problems;

  • – Professional Insurance (E&O)
  • – Legal (Irrevocable Trusts)
  • – Life Insurance
  • – Life Retirement Plans

August 25, 2019
38 Year Old Real Estate Agent - Life Insurance, Retirement Funding, Asset Protection

Realtor Life Insurance & Retirement Case Study – Woman 38 Years Old Married No Kids

Case study – Asset protection, life insurance and retirement funding for a real estate agent, 38 year old female agent, married with no children.
August 25, 2019
42 Year Old Real Estate Agent - Life Insurance, Retirement Funding, Asset Protection

Realtor Life Insurance & Retirement Case Study – 42 Year Old Divorced Mother of Two

Case study – Asset protection, life insurance and retirement funding for a real estate agent, 42 year old mother of two.

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