Retirement funding

You have a vision for your future and you want to make it a reality. You want to grow your wealth and achieve your financial goals. But how can you be sure that your investments will perform well and give you the returns you need? That’s why you need a smart investment plan that can help you make the most of your investment opportunities and manage them effectively. At Wealth Ladder Consulting, we help you understand your investment options and make smart investment decisions for wealth creation. We use a diversified investment approach that spreads your risk and reward, while using the tax benefits of a special type of life insurance policy. This type of life insurance policy is a permanent coverage, meaning it can last your entire life and build cash value. Unlike other types of life insurance, this policy allows you to link the cash value to a market index, such as the S&P 500, without directly investing in the market. This way, you can enjoy the potential growth of the market, up to a certain limit, without risking losses if the market goes down. The policy also guarantees a minimum interest rate for your cash value, regardless of the market performance. By using this type of life insurance policy, you can enjoy these tax benefits:

The growth of the cash value is tax-deferred, which means you don’t pay taxes until you take the money out or end the policy. The withdrawals and loans from the cash value are tax-free, up to the amount of premiums paid into the policy. Any excess amount is taxed as ordinary income and may be subject to a 10% penalty if taken before age 59 1/2. The death benefit is tax-free to the people who get it, no matter how big the policy or the cash value is. This type of life insurance policy can help you increase your wealth creation and investment opportunities, as it can give you:

A higher return potential than other types of investments, as the cash value can grow faster and higher with the performance of the market or the policy dividends. A way to access your money when you need it, as the cash value can be withdrawn or borrowed from at any time, without any restrictions or penalties, as long as you follow the rules of the policy. A way to protect yourself from market risk, as the cash value and the death benefit are guaranteed by the insurance company, as long as the policy stays active and the premiums are paid. A way to protect yourself from living too long, as the cash value and the death benefit can give you income and protection for as long as you live, no matter how long you live. We can help you create a life insurance policy that fits your needs, goals, and risk level. We can help you pick the type of policy, the amount of coverage, the premium payment plan, the market index, and the withdrawal and loan strategies that work best for you. We can also help you check and change your policy over time, as your situation and goals may change. We can help you see how your policy is doing, update who gets the money when you die, and make any changes to your policy to make sure that it gives you the best tax benefits. If you want to know more about how we can help you boost your wealth creation and investment opportunities with a special type of life insurance policy, please contact us today for a free chat. We are happy to hear from you and help you reach your financial goals.