85% of life insurance plans and "investments" we review are either dramatically overpriced or not really investment-grade.
Do you have a plan strictly for protecting your loved ones? Or tailored to wealth building? Ballooned costs are still the same - overpriced plans with nothing to show for it.
This can cost you millions in stunted growth. Do you know you've got the best?
All policies have the primary purpose for the life insurance... However, if your policy isn't clearly designed for only ONE purpose, you have a policy that isn't going to perform.
Is your policy designed for retirement? We've reviewed policies that have a baked in, extra, $500,000 in unneeded fees. Basically, you could have bought an entire house with those fees... ouch.
Unlike people, life insurance companies are NOT created equal, at least not when designing a policy tooled for investing. When it comes to extracting money, the details matter.
The fact of the matter is most business owners don't know what to invest in because they don't have the bandwidth to research.
A business can take up all of your time and money. That said, if you treat your wealth-plan like a bill, you'll inevitably pay it.
We help you create a bill you actually WANT to pay.
Why? Because this bill helps you achieve freedom.
You're at Thanksgiving dinner with your extended family; everyone's bragging about their kids, their job and how successful they are. For yet another year, your uncle Hank talks about his diversified portfolio and you tell him you're on your 14th real estate course or "searching" the market for the perfect first property.
Truth is, passive investing does require a lot of knowledge and finding the right opportunity. Unfortunately, you don't make money while you're figuring out your plan. Your indecision is costing you money.
Especially if you keep your start up capital in the bank… where it's suffering from Inflation Erosion and missed returns, your indecision is actually losing you money.
If, to combat that inflation you have money in the market, your assets likely have zero protection from a downturn in the market. This leads to…
The truth is, a major market correction, is when those prepared and in-the-know, MULTIPLY their wealth, instead of simply adding to it.
If your money mirrors the returns of the market, you lose buying power at the exact moment, and rate, that you need liquid assets; thus missing the once-in-a-lifetime investing opportunities.
If cash is sitting in a savings account, your money is worse than lazy, it's losing value to inflation… every day it sits in the bank, safe and sound, your cash loses buying power.
While your 401k or IRA will likely produce a return, you must REMOVE those assets from the market to benefit from their growth.
You might be looking at your account value with little thought of the investment partner you've been investing for along the way… You say: "What?!? I don't have an investment partner! This is all MY money!"…
Yes, the account is in your name, but when it comes to withdrawing that money, you've got a 20 to 30% partner in Uncle Sam! You owe TAXES when you withdraw money from your retirement accounts!
Unlike your 401k or IRA, there are accounts available with access within years, not decades.
It is possible to pay little to no taxes in retirement. You don't have to make an investment partner out of Uncle Sam.
What if you could ride the market up in good years, and skip out on the bad years? Our team can show you how.
Maybe your purpose for investing is to bring retirement forward. Planning this out is not a bad idea. We keep your "war chest" growing in the meantime.
The 2008 crash, like all crashes, is terrible for most - but not for all. Those who have liquid assets with retained buying power, don't just "weather the storm", they ride the lightning!
If you want to be prepared for retirement, but also want to build wealth today, our team can help you build a strategy to accomplish both. It's not easy, it takes greater discipline, but everything worth doing usually does.
“What stands out most is Forge's professionalism and responsiveness. My broker always takes the time to explain details in clear, digestible pieces, which has made the whole thing so much less overwhelming.”
“I am so grateful for the outstanding support Forge has provided me and my family. Curtis is extremely knowledgeable about the plans and benefits, and has been a tremendous help guiding me to the best options for our needs.”
“Clearwater took the burden off my shoulders. I'm paying $12,000 less a year for a health plan. Under the old pricing I always felt I was taking care of one thing and hurting another.”
As a pure bet on growth, a policy usually loses to "buy term and invest the difference," because commissions and internal costs eat the early years. So that's not what it's for. Designed right, it's a tax-advantaged place to hold money you can actually get to, plus protection for your people. If anyone shows you an illustrated 8 percent and calls it guaranteed, that's your cue to leave.
Depends entirely on the job you need it to do. Term is the cheapest pure death benefit, no cash value. Whole life gives you fixed guarantees and dividends with a lower ceiling. IUL offers index-linked upside, but with caps and a rising internal cost of insurance that gets oversold as "market gains with no downside." We start with the purpose, then pick the tool. A policy without one clear purpose is the one that underperforms.
It's an industry term, not a regulated rating. It describes a permanent policy funded near the maximum relative to its death benefit, so the cash value grows faster. The catch is a line called the MEC limit: overfund past it and you lose the tax treatment the whole strategy exists for. Designed wrong, "investment-grade" is just an expensive policy with a nice name.
Often, yes, and it's the honest reason we exist on this page. First-year commissions can eat most of your first year's premium, which is why the cash value sits below what you paid for the first several years. When we review policies, roughly 85 percent are either overpriced or not really built for investing. The design is the entire game, and most of them are designed for the seller.
Rarely for the returns. It's asset protection (which varies by state), a tax-advantaged place to park retained earnings, capital you can borrow against without a bank, and funding for buy-sell agreements and key-person coverage. For an owner, the protection and liquidity usually matter more than the growth. We build it for your reasons, not the illustration.
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