Ladder Income With Growth Engine

Exchange Traded Funds (ETF)Exchange Traded Funds are mutual funds that are traded on a stock exchange. ETFs experience price changes throughout the day as they are bought and sold. Another advantage is that the expense ratios for most ETFs are lower than those of the average mutual fund. With over $1 Trillion dollars in ETFs, your portfolio might be outdated and in need of an upgrade.

Indexed Universal Life (IUL) An IUL is a permanent life insurance policy that allows policyholders to tie accumulation values to a stock market index. Indexed universal life insurance policies typically contain a minimum guaranteed fixed interest rate component along with the indexed account option. Indexed policies give policyholders the security of fixed universal life insurance with the growth potential of a variable policy linked to indexed returns. Click here to download the one page concept sheet.

Fixed Index Annuities (FIA)Fixed Index Annuities are an insurance contract that allows you to participate in a portion of stock market gains while staying protected from stock market losses. Index Annuities are one of three types of annuities available in the market today.
 

Life Settlements (LS)Life settlements are simply the sale of an existing life insurance policy that is no longer needed, wanted, or affordable by an elderly person to another party. In this multi-billion marketplace, the owner sells their rights of the policy for a lump sum payment. An investor buys the policy or a fraction of the policy at a discount to the face value and holds it until maturity. This makes for an attractive return and portfolio diversification not correlated with the stock or bond market. Click here to download the one page concept sheet.