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Hint:
We are providing FREE consultation for
retirement, which include several of insurance for health, housing, rental income,
and pension plans. For lifetime family income, not listed on this website,
please call Henry Hu agent at (503) 693-2423.
Make your
retirement pension much safer
In the US, it is pre-tax money
(excluded from your annual income for tax return) to deposit into your IRA
(individual retirement account), or 401k for your retirement, $5,500 a year
($12,500 for one employee). However, in most cases, your funds in the IRA/401k
are 100% controlled by your bank/brokers, who you know nothing about, used your
money invested in mutual funds on stock market. In other words, these brokers
may cause you lose money, which they would be NOT liable for the loss and still
receive commissions from those failed transactions. Therefore, your pension is
not safe, since the 401k may become “201k (loss)” or worse, which you do not
have any ways to complain.
In fact, lots of people are
aware their IRA current situation, but still keep the risks going and did not do
anything to protect their money. Why? Because most people believer IRA funds
should be working in that way which they can do nothing to change. Also, people
think money in IRA is just a number, which is NOT real money since it is far
away from now, in 20 years or more. Therefore, most people do not want to think
about it. If you were also thinks in this way, you would make a big mistake for
your future financing of retirement. I can show you a better way to invest an
IRA, which not only double your retirement income, but also make the income
guaranteed for lifetime with no risks.
To make your pension safer and
gain higher yield rates (guaranteed 5+% ), I made a sample quote called IRA
Guaranteed Future Income pension plan. The one of largest life and
financial insurance company in the US, offered the quote. This quote offered you
a lifetime pension by using your funds in IRA or 401k. Assumed you are 45,
started in $10,000, and continue to deposit pre-tax income $5,500 annually till
65, then retired at age 67. In this way, you not only take control for your tax
deferral deposit, but also make your retirement income been guaranteed (12.2%)
and you have no any risks. Please note this is a key difference between your
banks and ours. Please see attached quote, and call me if need a real quote for
you at 503-693-2423. Note, 1.) This is NOT a life insurance; 2.) We provide
assistance to transfer your funds in your IRA to IRA of pension plan.
How the IRA pension plan
operating – Detail Steps:
Step-1: Starting up: anyone,
who like to have an IRA account or just want to buy an pension plan without IRA
request, can give us a call to get a free quote to find out how much the
investment results look like.
Step-2: It is a lifetime
investment and requires a minimum amount of $5000 deposit to set up an pension plan
account, and then the buyer can make additional deposits to add funds to this
account anytime later with no limits. For an IRA account, it is better
(flexible, not a must) to add an annual deposit $5500 ($6500 for age 50+) for
tax deferral benefit.
Step-3: How the pension plan incomes
pay out: minimum two years after deposits, buyers can require get investment
paid back. The income payments can be monthly or annually for the buyer’s
lifetime, the payment once started will never stopped until the buyer death.
Also, once starting payment, no additional deposits allowed (tip: buyer can add
a new account). There are several pay out options for buyers to choose to meet
buyers actual needs, which will be listed in our original quote and buyers must
choose one to start account setting up.
IRA pension plan FAQ;
Q. Is quoted income payout rate
guaranteed for my lifetime?
A. Yes, it is.
Q. Why has two illustrations in
your quote (one for guaranteed and other one for non-guaranteed)?
A. The guaranteed one was for
your first deposited fund and the pension plan lifetime payment rate. The
non-guaranteed one was for your projected funds that you plan to deposit in the
future, which it only shows assumed the pension plan payout rate if you really make
these deposits annually, therefore, it was non-guaranteed, since we did not
receive your funds and our actual payments have not be contracted yet. In other
words, non-guaranteed illustration would become guaranteed if you would really
make these deposits.
Q. How can trust your rate on
non-guaranteed illustration for my future deposits?
A. No worry. After first
deposit, every year thereafter, the pension plan will mail you an annual statement,
which attached a payment coupon for your deposit, just like your first deposit
that states how much the payout rate would be, so that you know exactly how much
you will get before you make this deposit. Therefore, once you made the deposit,
your new income monthly payout is contracted and become guaranteed for your
lifetime.
Q. What is a key different
between investing in pension plan vs. in mutual funds (M.F.)?
A. The key different is: each
time BEFORE you buy or add funds to pension plan, we not only let you know EXACTLY
how much you can get when you retired, but also write the dollar amount into the
contract for guarantee. However, each time when buying mutual funds, you know
nothing how much you can get. Even worse, you do not have any control over those
MFs when they are losing money, and you do not know whom you should complain to,
even though somebody told you how good the FMs would be.
Q. Can I cancel my IRA pension plan
contract after it started over 30 days?
A. No, you cannot. Within 30
days of a new contract, yes, you can cancel it.
Q. Can I make 100% cash
withdrawal in advance? Is this same as the pension plan cancellation?
A. Yes, you can. So, as the
pension policy disallows contract cancellation after 30 days, you still have
rights to take most of your money back due to this feature, no penalty applied.
This is our special benefit that most companies do not offer. This is almost the
same as policy cancellation, but there is a slight difference that, after 100%
withdrawal, the pension plan did not be canceled, instead, it is still alive till the
buyer died. In addition to 100% cash withdrawal, we also offer 6 months advance
withdrawal, which a buyer may receive 7 months payments together in advance, and
then no payments received in following 6 months. Please note, all these features
are only available for a few our products, not for all pension plans.
Q. If I died after a few years
purchased this pension plan, how about my deposited funds?
A. The remaining funds will be
transferred to your beneficiary who you appointed when you purchase the pension plan.
Hint:
if you need more helps, please call me at 503-693-2423, or visit
www.HenryHuAgency.com.
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