People don’t know what they don’t know. I have met with multiple clients who have had no idea what else is out there, when it comes to accumulation, protection and distribution of your money for retirement. We are often told to participate in the traditional “retirement” accounts, if you can call them that, by co-workers, supervisors, companies, Wall Street, general public, parents and friends....

Typically, all we know about is the old type of term policy. The old term policy will only pay out to your family upon death and there is about a 2% chance of you passing away during the term period. What about the higher percentage of you incurring a critical, chronic or terminal illness during your term period? What would happen if you could no longer earn an income due to a medical condition?

What happens to your traditional tax deferred accounts if taxes go up or even stay the same? Wouldn’t you want another bucket to pull from, that is tax free, so you no longer have to worry about what taxes do in the future? How much in taxes are you truly saving using tax deferred retirement accounts during your working years? What if you could pay your taxes, one and done, and never have to worry about taxes on that growth ever again?