Michael Lucy, Financial Services Advisor – How I Can Help You
Hi there, my name is Michael Lucy, financial services advisor. Thank you for taking the time to visit and learn more about me, my business and how I can help you.
I know your time is valuable, so I will summarize in three (3) short paragraphs how I can help you!
HOW I CAN HELP YOU – CASH VALUE LIFE
I specialize in CASH VALUE LIFE (CVL), meaning that I work with clients to design high-performance permanent life policies to meet their individual needs. Those needs may include optimizing for maximum death benefits, accumulating cash value, retirement income, and/or powerful add-ons like disability or long term care and SO MUCH MORE.
Why Cash Value Life? I promise to keep this brief, yet provide you with POWERFUL information. CVL, when designed properly, provides policyholders with:
- Death Benefit(s) for Heirs and Beneficiaries
- Cash Accumulation (YES, you can grow your $ with CVL)
- TAX-FREE Growth, Interest, Dividends, Indexes (that can even outperform markets)
- DOWNSIDE PROTECTION (NEVER LOSE MONEY IN THE MARKET)
- TAX-FREE DISTRIBUTIONS (similar to a Roth IRA)
- LIQUIDITY (unlike 401K or IRA, no restrictions)
- ASSET PROTECTION FROM CREDITORS (IRS)
- “Self-Completing” Generational Wealth (i.e. your plan will “complete” if you die or even become disabled)
How Am I Different? There are LOTS of CVL advisors, yet advisors are divided into two opposed groups (they do not like each other); 1) Whole Life Advisors and 2) Universal Life, or Indexed Universal Life or IUL Advisors. There are few (if any) advisors that are proficient at BOTH – until now, until me! My value to you is that I am an expert with BEST-OF-BREED Whole Life AND IUL plans. I am one of only a few that provides Apples-to-Apples comparisons and gives you OPTIONS, i.e. Conservative Cash Growth (Whole Life) vs. Aggressive Cash Growth (IUL).
“While I LOVE what I do with CVL (Cash Value Life), I am NOT a one-trick pony! I also help you with disability, long term care, other financial services, group plans, retirement plans, annuities and much more.”
That’s it, the three (3) paragraph summary I promised. There is PLENTY more to read below if you are interested, just keep scrolling. If you are interested but are short on time, simply click or tap the button below and I will contact you within one business day. There is even a BONUS eBook when you click [Contact Mike].
Just a few more brief words about me and my affiliations. My commitment to clients and to you is that I represent the BEST-OF-BREED carriers, plans, and policies. I have dedicated a LOT of time, money, and resources on training and evaluating carriers, policies, plans, and products and subsequently selected who and what I represent using a very strict set of criteria.
When you need to pound a nail, you use a hammer and not a pair of sideways pliers. Having the right tools to the job is important for skilled trades, the same applies to Financial Services. I have a toolbox full of tools to solve many different types of problems and challenges.Michael Lucy
I am a MassMutual advisor, which means YOU are afforded access to AN ARMY OF PROFESSIONALS, including; Legal (trusts, endowments, etc.), Certified Financial Planners (company 401K’s, pensions, mutual funds, etc.), Accountants (trusts, endowments, etc.), Corporate Advanced Planning Teams (compliance and case design), Certified Special Needs Planner (VERY scarce professional), Best-of-Breed Disability Programs, Industry Leading Long Term Care Policies, Whole Life Policies with 170+ Years (YES, 170+ Years) of History Producing 6-7-8+% DIVIDENDS and so much more.
SOLUTIONS FOR PEOPLE
- CASH VALUE LIFE
- WHOLE LIFE
- TERM LIFE
- LONG TERM CARE
- FINANCIAL SERVICES
SOLUTIONS FOR NON-PROFITS
- EMPLOYEE BENEFITS
- GROUP PLANS
- KEY MAN
- RETIREMENT PLAN
- GRANTS/GRANT WRITING
- COMMUNITY OUTREACH
- EVENTS (SPONSORSHIP)
SOLUTIONS FOR BUSINESSES
- EMPLOYEE BENEFITS
- GROUP PLANS
- EXECUTIVE BONUS
- KEY MAN
- SPLIT DOLLAR
- RETIREMENT PLANS
BONUS – STRATEGIC PARTNERS
When I meet with business owners and non-profits organizations, I ask two very important questions;
- What are your financial goals, projects, and challenges?
- What’s preventing you from accomplishing your goals, projects, and challenges?
As business relationships develop, people share with me their problems and challenges that I am not qualified to solve. Over time, I have learned some of the most frequent problems, and have built a network of trusted professionals to help you solve those problems. Below is a list of our partners (tap/click name or picture to view more).