Helping employers offer an equal financial opportunity
workplace to all their employees
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STAR Individual Structural Suitability
Individuals performing white-collar roles historically have earned higher compensation increases than other roles. They are more likely to retire in a higher tax rate than their average during their working career. And because of their longevity, they are likely to face bracket creep during their retirement. This is why the Roth was created and is the more suitable cash accumulation structure for mid-upper income employees. Properly managed, life insurance has a similar tax structure to a Roth … after-tax contributions growing tax-deferred that may be accessed income tax free with gain passing to heirs income tax free. But the life insurance structure has several advantages over the Roth:
All employees should take advantage of any matching contributions their employer is offering on tax-qualified plans. But what about your excess contribution capacity? What is the more suitable structure today? ILI is priced specifically for mid-upper income white-collar individuals. Financial modeling repeatedly demonstrates that ILI is the more suitable structure for qualifying individuals to utilize today for their cash and risk management.
We look forward to the opportunity to help you ascertain if ILI is the proper structure for your personal planning. STAR is an Evolutionary Program Medical advancements are helping all of us live longer resulting in lower life insurance rates across the board. ILI combines the low risk rates of the mid-upper income white-collar employee risk pool with a special pricing structure designed to maximize cash accumulation while providing lifelong death benefit protection. The result is we’re living so long that institutional life insurance has evolved into the more effective structure for mid-upper income "white-collar" individuals to use for their long-term cash and risk management. Doesn’t matter if you have 30 years or 30 days future employment … we all have a lifelong need to manage cash in an efficient manner and protect our family. The STAR Plan is a longevity driven cash and risk management program utilizing the ILI structure.
Helping ILI qualifying individuals attain financial self-reliance since 2002 Please contact me about The STAR Plan
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is a Registered Service Mark of Valley View Consultants, Inc. |
