JOSH SPARKS YOUR PERSONAL CFO

MINIMIZE TAXES AND IRA ROLLOVER ADVANTAGES

As some of you know I took the opportunity to go down to Naples, FL for a while to work with one of the top five players in the annuity and retirement planning business. I have learned more in the last week than I have in the entire year I have been in this business. I wanted to take some time to share some very important things with you concerning your financial and retirement planning in Naples.

First off did you know that this year you are allowed to roll money over from your IRA or 401K and defer those taxes to the following years if done so correctly. Now is the time to take advantage of those taxes. By setting up a carefully planned rollover schedule you can avoid the huge tax losses and gain the advantages of the Roth IRA tax free growth. Not to mention the lowest level of taxes most of us have seen in some time or may never get to see again.

Just what does the “Roth” offer? Well in a 401K, IRA, or similar instruments you get taxes deferred to a later date. If your like most everyone in this country you have no clue what tax bracket you are going to be in and you agree that taxes are going up. Lets be honest we are experiencing some of the lowest taxes in a long-long time right now. As a financial and retirement planning in Naples company “Sparks Financial” can show you how a rollover into a tax-free growth account known as the “Roth” may work for you. This is not for everyone but could very well fit into your financial and retirement planning in Naples needs.

Sparks Financial also offers a system for financial and retirement planning in Naples that allows our clients to build a retirement income. A retirement income that they can not outlive and provides the sustainability that they need to continue their normal life style. These systems may not work for everyone but with the 80 years of combined experience that our firm provides we have the ability to use that experience to design a system that fits your needs.

Feel free to contact Sparks Financial today if you feel that taxes are going to affect your retirement, if you are afraid of outliving your retirement funds, or you want to make sure that you are leaving a lasting legacy for your heirs. I look forward to hearing from you

Josh Sparks
joshsparks@joshsparks.com

Thats Right! Become Your Own Bank…The Information You Are About To Read Will Change Your Life, Guaranteed

If your like everyone else I talk to these days doing financial and retirement planning in Naples your sick and tired of watching the rich get richer while the poor get poorer. If you want to change that situation keep reading and I will tell you their secret! Im here to tell you that I can honestly show you how to save yourself over 1 million dollars in your entire life time without ever changing your spending lifestyle habits! That means you will have an extra million dollars in your account for retirement, vacation, that new house, whatever you want. Keep reading Im going to tell you how this happens

So just how do you become your own bank? Well it works like this! I show you how to manage your debt and allocate the left over earnings into a life insurance policy. This life insurance policy becomes your bank and enables you to take advantage of tax savings, benefits, and interest. This policy is funded basically with no money out of your pocket!

Next time you purchase a car the money comes out of your policy as a loan. You know you would have paid the dealership around 10% interest so why not pay yourself that 10% interest? Once you get that loan from your policy pay off the car and take the monthly payments you would have had and pay those back into your life insurance policy. I know this is out of the ordinary for your typical financial & retirement planning in Naples objectives but it really works

So, what does a bank do? Loans you money and charges you interest on that loan. Ok so if you loaned money out of your policy to yourself and now paying the loan off with interest to yourself into a tax deferred account. Imagine how that stacks up saving wise when the interest you would have paid is put back into an account that grows tax deferred while compounding interest. These numbers add up very quickly, you only have to make sure that the person setting your policies up are doing so correctly. It takes a professional advisor to help you do this!

Here to help you become your own bank and show you how we can fund these types of policies without any change in your lifestyle. Dont listen to your financial advisor that tells you his investments will earn you more interest. Think of it this way when doing your financial and retirement planning in Naples. If you become your own bank you will not only get the interest you would have spent, back, but it will grow in most cases tax free. Thats a huge difference when your paying bills with 10% interest and only growing your money at 4-6% in a IRA or 401K. Are you starting to see the secret of how the rich get richer? Check out this example

Sample Client
Finances a car at 10%
has to pay back the principal plus the interest

Sample Client 2
Finances a car at 10%
Has a 401k that earns 4%
Has to pay back the 10% on the loan principal and only earns 4% on 401K principal

Sample Client 3
Buys car with money out of policy
Pays self the 10% on the principal back to self
money grows taxed deferred that is paid back from loan
Investments continue to grow as normal in 401k plan
No money out of ordinary lifestyle to do this

Can you see the difference now with the examples. Are you following the numbers? Contact me today for a consultation.

How much would my services be worth to you if I told you using my concepts would save you over 1 million dollars in your lifetime? Would you believe me now? I can tell you my services are no where near that expensive and I look forward to hearing from you!!

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