C.A.L.M. Level 3:
Protected? Now Grow Your Wealth!
(If you haven’t read C.A.L.M Level 1 or 2 - Start Here First!)
With C.A.L.M 1, you’ve built a foundation.
C.A.L.M 2 protects your “house of wealth” with walls and a roof to keep the vicious elements of potential lawsuits, actual taxes, and more from attacking and subtracting your wealth.
C.A.L.M. 3 is like putting in the interior decoration, the fancy new kitchen, the awesome entertainment center and the beautiful landscaping. C.A.L.M. 3 uses the fruits of your labor to grow your assets so that you can reach critical capital mass — meaning, you can retire when you want and in the style you want.
C.A.L.M. 3 builds a comprehensive program — a 30-50 page “comprehensive” and “coordinated” estate, financial and tax plan. It’s as if you sat your CPA, your accountant, your attorney, and your financial planner down in one room for several hours to create a golden path to your retirement and beyond.
Building on C.A.L.M 1, which reviewed your asset and estate plan for appropriate protection, C.A.L.M. 3 tracks your wealth and shows you how to get to that golden path.
Have your CPA, accountant, attorney, and financial planner sat down in one room for several hours to put together for you a “comprehensive” and “coordinated” estate, financial and tax plan?
Here are a list of valuable wealth-growing tools that should be at least considered in a complete and comprehensive financial and estate plan:
• Wealth Builder Annuity = With this, you could be deferring up to $50,000-$300,000 or more a year without having to make contributions for staff.
• Freeze Partnerships - You could get up to a 90% discount on a Family Limited Partnership (FLP) when used for estate planning.
• Private Annuity Trusts - Defer, and maybe even avoid, capital gains on the sale of real estate or stock.
• The Maximizer- Nearly double the return of the S&P 500 while principally protecting 90% of your invested assets each year.
• Carve-Out Planning - Implement a qualified plan in the most discriminatory manner possible.
• Leveraged Bonus Plans - Defer compensation for key executives.
• Qualified Pension Insurance Partnership - Mitigate the double taxation via a qualified plan or IRA.
• 412(i) Defined Benefit Plans - Contribute - in some cases - in excess of $200,000 to a “qualified retirement plan”.
• VEBAs - Purchase life insurance for estate planning or buy/sell agreements in a tax-deductible manner The death benefit can then pass free of both income taxes and estate taxes.
• Life settlements - Sell a life insurance policy that has lived out it usefulness for much more than its cash-surrender value.
• Indexed annuities - Protect your money - 100% - from downturns in the market The upside growth is then pegged to the S&P 500. A deferred investment tool.
If the professionals advising you in wealth matters have not been covering these important topics, you’re a candidate for C.A.L.M. 3.
And those are not the only considerations.
Other aspects a comprehensive plan include such items as:
• Durable powers of attorney - both medical and legal. These make sure that your family won’t have to go to court to obtain legal powers to act for you if you become incapacitated.
• Living Trusts to avoid probate and minimize estate taxes.
• An irrevocable life insurance trust to make sure the death benefit from your life insurance policy passes income AND estate tax free.
• A traditional Family Limited Partnership/FLP - to discount the value of your estate for estate tax purposes.
Through the C.A.L.M. program, your CWPP™ advisor has access to nationally recognized advisors who are experienced and certified specialists in their field.
Through a collaborative effort, the team will put together for you a complete program ready for implementation.
If you were to go outside of the C.A.L.M. Program, it would cost, typically, between $10,000-$20,000. And those plans won’t have the comprehensive plan from our “roundtable of advisors”. Most clients would get a run-of-the-mill plan hardly worth the money - and most clients would not know better.
Through the C.A.L.M. program you can receive this comprehensive plan for just $7,500. Your plan will be ready for implementation when you say the word.
C.A.L.M. Level 3 protection grows your wealth so you can have a fulfilling retirement and make sure that you have a legacy of to leave your family, or whomever you wish to leave it. Few things can be as satisfying as that.
Call us, at 1-800-490-8200 today for a free, no obligation, no pressure consultation on how C.A.L.M. 3 can have you enjoying the benefits of “critical capital mass” sooner than you think.