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America United Wealth Planning
When it comes to Your Retirement Income...
Do You Have anI HOPE IT'S SO
or an I KNOW IT'S SORetirement Income Plan?
Are you 100% certain that your retirement income, savings and happiness will last as long as you do? You might be retired for 20, 30 or even 40 Years! Do You have a plan that can stand up to events outside of your control?
HAVE YOU GIVEN UP CONTROL OVER YOUR RETIREMENT HAPPINESS?
What are the chances that your retirement security and happiness will be derailed or destroyed by Inflation or Changing Interest Rates? How about a change in US or World Politics? What happens if a Recession hits and your investments lose 20% to 40% in a Market Crash? Or worse, the next Pandemic hits us again?
It's foolish to think that these things can't or won't happen, during the many years that you and your loved ones are retired.
THE GOOD NEWS IS...You can take back control...
You can Hope for the Best, and Plan for the Worse...both...in one Simple to follow plan...
It's called...the "I Know it's So" Retirement Income Plan!
Take Control With An "l Know it's So" Retirement Income Plan!
Here's What you Get
01.
You Get "I Know it's So" Growth on your Savings
Like other people, you get growth when the Market is up, with one big difference, see #2!
02.
You Get "I Know it's So" Loss Protection
Unlike other people, you don’t lose money in down market years. You keep what you make! You retain all your Gains and Preserve Your Wealth!
03.
You Get "I Know it's So" Income Security!
You can Turn On a “My Paycheck for Life” Income Stream, when you’re ready! Live a richer retirement by Creating additional guaranteed income streams to suppliment Social Security, Pensions and other Investment Income. It gets even better….check out #4!
04.
You Get "I Know it's So" Income Longevity!
Your income is Guaranteed no matter how long You live! If elected, most accounts can be set up so that Your Spouse has income for as long as they live!
05.
You Get "I Know it's So" Tax-Free Growth!
No…Yearly IRS 1099’s! Therefore, your accounts earn compounded tax-free growth!
06.
You Get "I Know it's So" Guarantees!
All Plans come with our 100% Money Back Guarantee good for 30 days from issue date!
07.
You Get "I Know it's So" Savings Protection!
You Insure Your Most Valuable Assets, Your Car, Your Home, Your Health and Life. Why not insure Your Life Savings? Your Money gets direct deposited into a Multi-Million dollar legal reserve Insurance Co., legally required to maintain separate capital reserves that match dollar for dollar all of its outstanding contractural guarantees.
08.
You Get "I Know it's So" Low Fee's or No Fee's depending on the options chosen!
We compare over 1,000 Savings Plans with a Proprietary Software and Tailor make a Plan designed just for you!
Retire Right. Let's Talk Today!
AS SEEN AND REPORTED IN
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No risk Money Back Guarantee
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1-hour Strategy Session
What our My paycheck for life Retirement Plans offer
Now is the time to start planning for the retirement of your dreams. Now is the time to Maximize Your Retirement with America United. In an uncertain world we will protect your retirement accounts so you won’t ever have to worry about outliving your savings, we are your safety net!
Professionalism
My Paycheck for Life works with a professional licensed advisor who is a CFF, giving you peace of mind when planning for your future.
Relationships
My Paycheck for Life has established relationships with retirement savings insurance companies across the country.
We will compare over 1,000 plans to find the best one for you and your goals.
Stress Free
My Paycheck for Life makes planning for retirement easy. You will work with a friendly and reliable CFF who is licensed and dedicated to always putting your needs first and making your retirement planning process as easy as possible.
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Stories From Our Valued Clients
Lyndon M. Flossi
It is rare these days to find someone who takes such a personal interest in one's financial well-being as does John. He has assisted me with important financial issues, which were all researched and provide great benefit to me and my family. I have referred him to other family members and friends. In addition to his well-rounded knowledge and experience. John's most impressive attributes are his integrity and big heart. Those who have had the good fortune to work with him know precisely of what I speak. I am proud to refer him as my financial advisor, but I am even more proud to call him my friend.
Bill Fehling
My wife and I met with John to discuss our retirement path. John explained his fiduciary responsibilities and moral obligation to work in OUR best interest. He spent time reviewing our situation, and our goals and then offered courses of action. There was absolutely no pressure on anything. Well, that was 5 years ago, we are doing just fine, and still keep in touch with John on a business and on a friend level.
Phyllis Kleinhoffer Peterson
Over the past year my husband and I have worked closely with John and Anthony Davis on preparing for our retirement years. Anthony was very kind and extremely helpful as we laid out our trust. We feel a great sense of relief knowing important and uncomfortable issues have been addressed. Anthony's wisdom and assistance was reassuring. Thank you Anthony. John is someone we have worked with for a number of years and we always know he will steer us in the right direction with our assets. He is very transparent and honest with what will be best for our future. Thank you John. Two great knowledgeable gentlement in their field!
Victoria Hughes
We are enjoying working with John and Anthony, they ask the best questions and really listen to what your vision of retirement is. Check our one of their seminars, it's a great opportunity to start thinking about the stuff you haven't thoght of an to start acting on what's important to you.
Doing business with John has always been in a very professional and freindly manner. We were always educated and informed of every step in the process of the instrument we sought. I have very high respect and confidence in John for any financial guidance we should need.
Frequently Asked Questions
Can I lose money with a fixed annuity?
NO
Immediate, fixed and fixed index annuities are guaranteed by the insurance company that issues the contract. Your principal is protected by the claims paying ability of the insurance company. Insurance companies are required by law to maintain a minimum of $1.00 for every dollar deposited. If you deposit $1,000,000 into an Annuity the Insurance carrier must maintain $1,000,000 in a seperate escrow account used to pay claims. That money matching your deposit can not be used for any purpose other than paying you back should the need arise. Of course, if you take excess withdraws from your account it may result in surrender charges and if you are under the age of 59 1/2 and make withdraws on a tax qualified account such as a traditional IRA, you are subject to additional IRS tax penalties.
Will I pay a lot in annual management fees on my annuities?
NO
Unlike Variable Annuities, which have an investment feature (and have fees that can get as high as 4 – 8% as seen in our experience), the annuities that we use maximize your retirement and do not have any on going management fees for the base contract. We do offer some plans that have low fee’s for additional riders that you may choose. Fixed or fixed index annuities are built with a pricing structure, that protects you, so that you don’t suffer high added fees and costs each year. This is the advantage of fixed annuities over variable annuities. When you hear about how bad annuities are, you’ll come to understand the variable annuities are being referred to. People often generalize and lump all annuities as being bad. We recommend that our clients, stay away from Variable Annuities.
Will my cashflow fluctuate with retirement annuities?
NO
Fluctuating means that your income can swing up and swing down from month to month, or from year to year depending on how you set up how you receive your checks. We often use the slang term that these are pension annuites. The reason we say that, is because with the annuities that we set up and the strategies we recommend. Your income can only go up to provide a hedge against inflation and potentially go up due to index-linked interest rate increases. For each year that you wait to turn on your income, your income increases. Once you start taking income, your cash flow will not decrease (just like your income does not go down with a pension). Therefore you are can count on the income being there when its needed. You’ll sleep better at night when not worrying about your income.
Will we be able to keep our annuity income if one of us becomes ill or passes away?
YES
There are many annuities with additional riders that have waivers for terminally ill or premature death situations. There are annuities that may provide double or even triple your income for qualifying healthcare expenses. Many annuities or additional riders offer death benefit provisions as well. A well researched annuity strategy designed for your specific goals is the only way to go. It’s what we do!
Can these annuities provide me with income for the rest of my life?
YES
All annuities offer annuitization options that provide lifetime income. Also, with a Fixed Index Annuity, you can select the option to purchase a more flexible lifetime income contract which gives you not only income you can’t outlive but allows you to maintain control over your money. Some are structured that way, some add this feature through a rider for an additional cost, but yes, the annuities we work with and strategies we design with you offer an income-for-life benefit.
Does my retirement income have the potential to grow and keep up with inflation?
YES
This is something people often don’t think about, but we do. With our retirement annuity strategies, we leverage annuity features and riders to help ensure our clients’ income grows as the cost of living increases. We want you to retain the purchasing power of your money.
Will I completely lose access to all my money?
NO
You do not have to annuitize. You want to make sure you select the right annuity type and features for your own unique situation, but many offer up to a 10% annual withdrawal without penalty (as long as your over 59 1/2 – otherwise you incur a tax penalty) and you do have the ability to get more (or all) but you’ll pay a surrender charge. (Please note that the annuity you purchase will probably have a penalty period for the first three to 15 years, with a sequentially decreasing percent charged against your withdrawal funds for excess withdrawals or full surrender of the contract. So you should not purchase an annuity with money you think you may need in the near term.)