WOULDN’T YOU RATHER RETIRE TAX-FREE?

imagesThe majority of Americans are socking #money into #retirement plans that postpone #taxes, a really poor choice and bad bet. Across the board, people are retiring with more income and/or lower deductions, and it’s truly killing their retirement income. Here’s why.

During your working years you have a lot of things to potentially keep your tax bracket down. The mortgage interest #deduction, student loan interest deduction, #exemptions for children, and lower income in earlier stages of your career.

It’s likely #inflation alone will bump you into a higher tax #bracket, but especially when you take away deductions and exemptions, leaving nothing to offset increased income. This is exactly what CPA’s are seeing for many Americans. And the more successful you have been, the more you lose.

Last but not least, it’s clear that the government needs, and is seeking, more revenue. The combination of high spending, high national debt, and some of the lowest tax brackets in history could be a possible indicator of increasing taxes. As of right now, some of those increases have already taken place.

I hesitate to make a blanket statement here, knowing every situation is unique, but consider the benefits of retiring tax-free. There is #peace in not having to #worry about what tax bracket the future holds. Chances are you’ll save on taxes and you’ll sleep better at night. Taxes are not going down so maybe it’s time to rethink your tax plan.

That’s why a tax-free retirement is a breath of fresh air. Let’s talk about a plan for you so that you can enjoy your retirement. After all, you worked hard to get there.

The Gottlieb Group

Adrienne Gottlieb, J.D.

RETIREMENT AND BUSINESS PLANNING

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In October of 1929 you know what happened. The stock market crashed and eventually suffered a staggering 32 year setback, losing almost 90% of its value. It took 22 years for the market to surpass it’s all time high before the crash. Nearly 25% of all Americans would be unemployed and over 40% of banks would shut down.

While #banks, #businesses, and #government sectors were closing their doors, one sector of the economy stood strong and steady, unaffected by the crash. You guessed it—#life #insurance companies. Further, owners of cash value life insurance didn’t lose a dime—not then, and not now.

Guess who started their businesses back then and did so with proceeds from their life insurance policies. J.C. Penny, Walt Disney, Ray Kroc (McDonald’s), Max and Verda Foster (Foster Farms), Stanford University, Pampered Chef, and many, many more.

Why is this history important? Some believe our most difficult times are ahead of us. With difficult political issues at the door like the national debt, government spending, Social Security, Medicare, as well as economic issues like inflation, taxes, debt and so on, howing how and where to keep your money safe is increasingly important.

Did you know that both banks and corporations place billions of dollars in life insurance? For banks, it provides the ultimate in safety, stability, and growth. The FDIC allows this asset to be classified as Tier 1 capital, which is the safest capital a bank can have and the core measure of a bank’s financial strength.

Almost 70% of Fortune 1000 companies use life insurance to fund executive retirement plans as well as employee’s retirement plans. Some of the companies that do this are: GE, Proctor & Gamble, ATT&T, GM, Starbucks, Avon, Verizon, Anheuser-Busch, and so on.

While banks and corporations are taking advantage of the benefits of cash value life insurance, the rest of America is falling victim to a deadly lie. We are being poisoned with the idea that volatile, risk-based “investing” in the stock market is the best way to prepare for retirement. We’ve been conned! It is the Wall Street firms who gain. In fact, since the advent of the 401K and other government plans, the stock market has nearly quadrupled in total assets. Indeed, investment firms were a big part of the origination of government plans. They positioned themselves to be the managers of the funds that made their way to these plans. What’s worse is these companies don’t participate in the same theories they pitch us every day.

At The Gottlieb Group we can show you how to take charge, how to plan a #tax-free #retirement, and how to protect yourself and your family all the while growing your money—and with no #risk. Amazing? Yes, but also true! Let’s talk. 505-577-2622 or email me thegottliebgroup@gmail.com.

FINAL EXPENSE INSURANCE, Seriously?

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The most selfish thing you can do in life is to leave your debt or bills to your heirs. Who’s going to pay for YOUR burial or cremation, YOUR final doctor bills, phone bills, or utility bills?

I was recently talking with a mechanic who told me his mother died unexpectedly at age 57. She had no insurance and he was her only son. He, his wife and children had to travel to the East coast to handle her final arrangements. He and his wife had to take off work for two weeks, losing two weeks of wages. Last minute airfare for four was incredibly expensive. All told he wound up with $12-$15,000 of debt. Certainly not expected by him or his mother.

If his mother had had a final expense policy, this debt would have been completely avoided. Final expense policies are whole life policies ranging from a $5,000 to $50,000 benefit and are very cost effective. The cost of these policies depends on age and health of the insured, and can start as little as $20.00 per month. They are designed to be very affordable.

If you don’t want to burden your family with these inevitable expenses, let’s talk. Because you don’t know when you are going to die. Call me or email me at

505.577.2622 or thegottiebgroup@gmail.com

WHEN DOES: -30+43=0

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When it involves placing your hard earned retirement dollars directly into the market. The events this last week and ensuing volatility prove the point. Let’s assume you lost 30% of your 401k or you IRA. It would take a 43% gain to just back to where you started (Example: $100 – $30 = $70 + 43% or $30.1 = 100). CAN YOU AFFORD TO GAMBLE WITH YOUR RETIREMENT IN THAT MANNER? Please consider a fixed indexed annuity. You can participate in upswings in the market, yet protect your nest egg against loss.The basic benefits include: minimum guarantees, tax-deferral, guaranteed lifetime income, and preservation of premium. Even Warren Buffet recommends fixed annuities! LET’S TALK.

WHY DO I NEED LIFE INSURANCE?

imgresThere are certain financial commitments we have throughout our lives as we contribute in some way to our family income. We need to provide something even in death to secure our homes, help the family meet expenses for a while, protect dependent parents, or secure our children, spouse, significant other, or even provide a charitable contribution.

Financial obligations could include funeral expenses, unsettled medical bills, mortgages, business commitments, meeting the college expenses of the children, and so on. Frankly, dying without life insurance is a very selfish act since it leaves your expenses, bills, obligations, and the headaches that accompany them to someone else.

  • Life insurance correctly planned will provide funds to deal with monies due, mortgages, and living expenses on an untimely or premature death. It offers protection to the family you leave behind and serves as a cash resource.
  • It secures your hard earned estate on death by providing tax free cash to take care of business and personal expenses.
  • Some policies have riders like coverage of critical illness or term insurance for children or spouse. There are certain rules regarding eligibility for riders which have to be kept in mind.
  • Life Insurance can have a savings or pension component that provides for you during retirement; oftentimes, tax-free.
  • Having a valid insurance policy is considered a financial asset which improves your credit rating when you need health insurance or a home or business loan.
  • In case of bankruptcy, the cash value as well as death benefits of an insurance policy are exempt from creditors.
  • Life insurance can be planned such that it will cover even your funeral expenses.
  • Life insurance has double benefits in that it protects beneficiaries at your death and you have access to your money during strategic points in your life.
  • Your business can be protected from financial loss or any liabilities in case a business partner dies.
  • Life insurance can contribute toward maintaining a family’s life style when one contributing partner suddenly dies.

Insurance is vital to good financial planning and security. Personal and long term commitments must be assessed. There are so many profitable, flexible, and safe policies available. It is essential to meet with a qualified agent who represents a variety of companies and products.

Please give me call to set up a time to discuss your goals and to see what might be available to you to secure your and your family’s future.