As heard on
More Income, Smarter Investments™
401k, IRA, Fixed Income, Bond Portfolios, Preferred Stock, Annuities, Cash Value Life Insurance--The IQ Wealth System monitors more than 1200 annuities on a regular basis. When the safety of your money becomes every bit as important as making more of it, call IQ Wealth Management.
...Do you ever wonder why some people retire in comfort while others live paycheck to paycheck? Is it luck...or is it planning?
As heard on
More Income, Smarter Investments™
After more than 20 years of guiding people with financial decisions, this much I know: The race doesn't always go to the swift, but to the sure. I've found the difference between a comfortable retirement and an uncomfortable one is income--Stable, secure, predictable income.
In fact, being "rich" is more about having all the income you need, not so much about having a pile of nonperforming assets. Your future will be determined by your income and the plan you make for it today. What kind of income? Income that doesn't vary, and income that is not threatened by stock market downturns. Today, I am seeing former millionaires, dipping into their risk-based assets for income--suffering 3 ways--the money they take, the money the market lost, and the fees they still have to pay, regardless. It is a shock for many, but thankfully, an avoidable one.
As the old Holiday Inn commercials used to say, "The best surprise is no surprise." Our clients don't wake up wondering how much money they've lost when the inevitable market decline hits. They can choose portfolios that protect 100% of their money, 100% of the time. We build plans that take the risk off their shoulders and onto the very broad shoulders of top tier multi-billion dollar institutions that have never lost their customers a penny-- and did not need a bailout.
Bloodbaths happen on Wall Street. They don't have to happen to you.
"What is wealth?" 
The word "wealth" is used often in planning today. What does it mean, really? I define it as being able to do what you want, when you want, and how you want.
Is wealth about how much you have, or how much income you can safely derive from your assets?
Consider that the typical bank account is barely paying 1%. Treasury bonds are paying in the range of 3%. A $500,000 account at 1% pays you only $5,000 per year. With advanced income planning, you can now grow your guaranteed income account @ 7% to 8%, and derive an income of $20,000 or more on the same amount, depending on your age.
An account of $100,000 can turn into $200,000 in 9 years @ 8% growth--with income of $10,000 to $14,000 annually, paid to you for life. A person with $500,000 at age 60 can grow their income account to approximately $1,100,000 or more by age 70, then enjoy a contractually guaranteed income of approximately $60,500+ annually, for life--without annuitizing. Liquid access for emergencies is maintained. (These are realistic approximates based on current assumptions.)
Which risk-based Wall Street investment can match it? Rather than pie-in-the-sky, this is stable income, based on contractual guarantees.
In focus groups across the country, retirees are saying they feel like they are "guessing." It doesn't have to be that way.
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At IQ Wealth Management, we design plans for the real world. The one where bad things sometimes happen to good people--where real estate values decline, where kids need us, where health issues arise, etc. It starts with listening. You may find a safe income plan will pay you more net income than an aggressive one--with no risk of a shortfall later on. If so, why bet the farm on the market?
For most of our clients, rule #1 is not losing money. We build plans that can multiply SPENDABLE money without market risk.
Income annuities carry no management fees from our firm. On the fee-based side, IQ can offer you precision-built, strictly monitored portfolios, managed by our seasoned and proven management team, with all funds held in SIPC insured accounts at Fidelity Investments.
We'd love to meet you and learn about your dreams and goals. I'm sure we have plenty in common, especially if you share a love and respect for this great nation we live in, and its great history. Let's build a realistic plan that can benefit from opportunity, yet protects with a vengeance against the inevitable declines. The world's economy is mired in debt and focused on chaos; politicians are focused on their careers; Wall Street is focused on risk. We're focused on YOU.™
Let's chat soon. (800)905-1776 / (602)953-7700
Income solutions as featured on 
© Copyright 2011 by IQ Wealth Management™. All rights reserved. Reproduction in any format without written permission from IQ Wealth Management is prohibited.
Investment Advisory Services provided by Global Financial Private Capital, LLC, an SEC Registered Investment Adviser. FINRA/SIPC Annuities and life insurance guarantees provided by the claims paying abilities of each legal reserve insurer. California insurance license OE2O4O9. Arizona license 39559. Accredited Members of the Better Business Bureau since 1996 American Fortress is a registered trademark with United States Patent Office. IQ Wealth Management, IQ Wealth Group, and IQ WealthPlan are registered trademarks of the American Fortress. Bank accounts are FDIC insured and the U.S. treasury guarantees treasury bonds. Insurance and annuities are not FDIC insured, however do subscribe to an extensive set of regulatory reserve requirements. The insurance companies we represent are legal reserve insurers and back their policies by their full claims paying ability. We are compensated by insurers we represent, except in the case of no load variable annuities. Compare all investment or insurance offerings and understand them before making any purchase. Income riders have many differences between companies, including cost, and are a method of distributing funds without suffering a loss of income. Rider values are for income purposes only, and may be less more, or equal to annuity values. The interest rate on an income rider is used to determine the amount of income that a legal reserve insurer will contractually guarantee to pay you, based on your age. Death benefits can also be a factor. Always compare plans with a licensed, knowledgeable professional who can clearly explain your options and review all aspects of brochures, disclosures, and illustrations. Always see policy or prospectus for details. No tax, legal, or direct investment advice is made or implied on this website by IQ Wealth Management, Global Financial Private Capital,LLC, Fidelity Investments, or the various insurance companies we represent. ©2011 by American Fortress and IQ Wealth Management. All rights reserved.
