Valiant Financial Group

♥️With Valentines Day coming up, what better way to show your love than providing a financial safety net and peace of mind for your loved ones?

This is not limited to support for your spouse. Have you considered a policy for your child? Universal Life is a vehicle to provide lifelong protection, compounding interest on cash value and living benefits.

Cash value can be used for: 🎓education, 🚗new car, 👰‍♀️wedding day, 🏡down payment on a home. Give your legacy the head start they deserve and at a fraction of the price

It’s February, the month of love, and a good time to “Insure Your Love”. The RIGHT life insurance can provide peace of mind, knowing you’ve taken steps to protect your loved ones financial well-being in case of sickness, injury or passage. Remember this - getting insured is never about yourself.

Book a free-consultation here:

https://valiant-fg.com

Do you know of anyone that has suffered from 🤒
Heart Attack❓
Cancer ❓
Stroke ❓
Alzheimer’s ❓
Coma ❓
Paralysis ❓
Traumatic Brain Injury ❓
Dementia ❓
Blindness ❓
Organ Transplant ❓
Renal Failure ❓
That’s where we come in. We help design a safety net for you and your family. Accelerated Living Benefits are the way of the future. Best part: it’s pays you back if you don’t need to use them 💰

❗️Teachers❗️ Make sure you are fully understanding your pension plan. A supplemental income may be needed and WE CAN HELP. Here are 5 major problems with the system you need to look out for:

1️⃣ If you teach fewer than 25 consecutive years in the same state, you’re probably getting fleeced.

Contributing to teacher pension plans is mandatory in all but four states. Yet in half of state pension plans, it takes at least 25 years of service for a teacher just to break even. Most teachers end up being net contributors, floating an outmoded pension system designed to benefit a small and ever-shrinking group of teachers: those who stay in the same state or school district for 30 years or more.

2️⃣ Nine years of teaching won’t get you much.

In most states, you don’t qualify for a cent of employer-financed benefit if you teach fewer than 5 or 10 years. Such lengthy vesting periods are illegal in the private sector but don’t apply to public sector pensions. Bellwether’s report estimates that less than 45 percent of teachers meet the vesting requirements for even minimal benefits.

3️⃣ New teachers get burned the most.

Over time, the deck has been stacked against new teachers earning pension benefits. Thanks to the economic recession of 2007-09, 12 states lengthened their vesting periods. Nearly two-thirds of Illinois’ new teachers won’t meet its new 10-year vesting requirement. Even more outrageously, Massachusetts teachers hired after July 1, 2001, will never receive a pension worth more than their own contributions plus interest. States are essentially taking no-interest loans from the pockets of younger teachers—many of whom are still paying off student loans —who will never reap the rewards.

4️⃣ Even career teachers face stiff penalties.

Many states penalize teachers for moving across state and, in some cases, district lines—amounting to hundreds of thousands of lost dollars for an individual teacher. A life-long teacher can lose more than half of her pension wealth with a single move. For those who move multiple times, the losses are compounded.

5️⃣ Forty percent of public school teachers don’t participate in Social Security.

You read that right. More than a million teachers across 15 states—Alaska, California, Colorado, Connecticut, Georgia, Illinois, Kentucky, Louisiana, Maine, Massachusetts, Missouri, Nevada, Ohio, Rhode Island, and Texas—are not covered by the most fundamental retirement benefit guaranteed to every private sector worker. And many of them don’t realize it.

Life is full of the unpredictable and unexpected. Rather than deplete your nest egg, let’s create another bucket for income replacement and asset protection 🛡. The plans are 100% customizable and flexible depending on your needs and budget. ✅ Bonus: this also pays out as additional income if you don’t become sick, or you may keep in place so your beneficiaries receive the payout. We want to give you the power of choice with your finances 💰

Thank you to those that have served our country. honors that service by furthering their coverage of active duty members that have been killed or missing in action by waiving the “War Clause” that hides in the fine print of most other companies. Rest easy knowing your loved ones are covered no matter what.

The best part of this job: delivering protection and peace of mind to those looking for security and guarantees. Life is full of “what if’s”, but those “what if’s” shouldn’t derail your life. Let’s chat about your safety net.

❓Do you currently have a savings account for your little one?
❓Is that account gaining any interest? (Free money)
❓Are there tax implications if it’s not used for college?
❓Does that account also provide a safety net worth well over the amount you’ve put in?

There are other options out there other than a traditional savings or 529 college account. If compound interest, tax-free, and financial protection are important concepts to you, let’s devise a financial plan for the same amount you are already currently putting away. Your child will thank you

❗️Know what you’re paying for❗️
“A 2013 study found that 22% of 401k participants mistakenly believed they paid no fees, and half of participants reported that they did not know how much they were paying in fees.”

“A recent study by study Center of American Progress found that the typical American worker who earns a median salary starting at age 25 will pay about $138,336 in 401k fees over their lifetime”.

“Another study found that 401k participants pay an average all-in fee of 2.22% of their assets (every year), but that there is a wide range from .5 to 5%”

⬆️ This means if you have $100k in a 401k, you are paying an average $2,200 EVERY YEAR in fees

Are you tired of giving away your hard earned money to account managers❓

Don’t get me wrong, the stimulus bill is great for helping out families in need. But have you thought of where that puts our national debt and the implications it has on raising our tax rates❓
Is your money stored in a 401k or IRA❓ You are getting a tax break now (during some of the lowest tax rate years) and putting off paying those taxes until you begin pulling for retirement. Where do you think the tax rates will be by then❓
According to David McKnight, the author of “The Power of Zero”, this is why you need to move your hard earned money into one of these tax advantages accounts before this happens:

McKNIGHT: “You begin with this premise that a lot of experts believe: Given our fiscal condition in our country, tax rates will be dramatically higher than they are today. It’s the 10,000 baby boomers per day marching out of the workforce onto the rolls of Social Security and Medicare. Throw in on top of that everything, all the bailouts for COVID-19, I think we’re going to be at $4 trillion by the end of the year.

Debt is growing out of control. The cost of renting the money we’ve already spent is only going to grow and compound. A lot of experts are looking at these numbers and saying, “Hey, look, tax rates have to rise dramatically or we go broke as a country.”

Yet, when I asked rooms full of people in my speaking engagements all across the country “How many of you think tax rates are going up?,” they raise their hands. “How many of you have the lion’s share of your retirement savings in 401(k)s
and IRAs?” Most of the hands in the room go up.

What that tells me is that there’s a disconnect between what people think about the future of tax rates and what they’re actually doing about it. The whole goal of the book is, No. 1, to educate people that tax rates are going up. No. 2, to teach them how to shield their hard-earned retirement savings from the impact of higher taxes.

The premise of the 0% tax bracket is you can reposition your retirement savings into tax-free accounts so you can be in the 0% tax bracket in retirement. You can fund all of your most wild and lavish retirement dreams but still be in the 0% tax bracket. We think the 0% tax bracket is powerful, because if tax rates double like some experts predict, two times zero is still zero.”

Lifetime Income Benefit Rider. . . What Is It?

Growing old in America isn’t what it used to be, and in many ways, that’s a good thing. People are not only living longer, they have better education - resulting in better health, high income and a higher standard of living in retirement 👵🏻👴🏻

But there’s a flip side to the coin. As Americans continue to live longer, a new challenge presents itself:
“How do I make sure my retirement
income lasts?” 🤔

The life insurance companies of National Life Group provide life insurance products that help provide you and your family’s security if they Die Too Soon. But what if they Live Too Long?

The Lifetime Income Benefit Rider, once exercised, guarantees you income for life - that’s money you cannot outlive 💰