Things have changed! Discover how the FlexVault program can provide tax-advantaged annual returns of as much as 10% or more with no market risk.
Things have changed! Discover how the FlexVault strategy can provide tax-advantaged annual returns of as much as 10% or more with no market risk.
You Have Hidden Fees: in fact, you have several categories of fees that are eating away at your retirement savings.
Your Money is NOT Liquid: you cannot access your money whenever you want or need to use it, without penalty charges and taxes owed.
Your Money is NOT Protected NOR Guaranteed: no matter how your portfolio is setup, your money is directly exposed to the market and you can absolutely lose a significant chunk of your savings/investments.
Deferred Taxation Could Deplete Your Savings Faster Than You Think: the Trump era Tax Cuts & Jobs Act expires at the end of 2025, and with budget deficits and federal debt at all-time highs, you can bet taxes will go up. Are you willing to gamble losing another large chunk of your nest egg to higher taxes and risk running out of money in retirement?
Transparent Fees: our fees are competitive, and we clearly show them where applicable so you can make informed decisions.
Your Money IS Liquid: you can easily access a certain percentage of your money each year without worrying about paying taxes or penalties if you need it.
No Market Risk 0% Floor: regardless of how the market performs, you will have the peace of mind knowing your savings will NEVER go below the guaranteed indexed protection.
Accelerated Tax Advantaged Wealth Building: get uninterrupted, tax free compounding growth on your accounts at much higher interest rates. Money sitting in a bank or CDs is barely earning enough to keep up with inflation, not to mention of the time it takes to recover after losing money in the markets via a 401k, IRA, or Mutual Funds.
We put clients first...
Theresa has more than 20 years of experience in real estate and finance. She approaches every meeting with the same goal: to provide the client with the most effective solution to achieve their goals.
Whether it's providing guaranteed income in retirement, minimizing taxes on the sale of a property or business, or any other aspect of financial planning, the process is the same - forge a deep relationship with the client and truly understand their needs and objectives.
Matt is an experienced Wealth Strategist with a 20+ year track record of helping people achieve their financial goals. He specializes in designing solutions for business owners and high-net-worth individuals.
Matt strives to thoroughly understand the client's objectives so he can design elegant solutions that maximize growth and minimize taxes.
Matt is very active in his local community. He has been a Rotarian since 2010, serving as Treasurer of his local club for almost seven years. He was named Rotarian of the year in 2019.
Arielle Shim is a dedicated wealth consultant at FTS Life Solutions. With a deep passion for helping individuals plan for a secure retirement, Arielle specializes in providing clients with access to financial vehicles typically utilized by the top 1% to effectively park and grow their wealth.
Her commitment to empowering clients with strategic financial solutions ensures they can achieve their retirement goals with confidence and peace of mind.
Until the 2017 Tax Cuts & Jobs
Act Provisions Expire!
The current top rate will go back up to 39.6% from 37%
The current 32% bracket ($182,101-$231,250) will revert to 33%
The current 24% bracket ($95,376-$182,100) will go back up to 28%
The current 22% bracket ($44,726-$95,375) will go back up to 25%
And the current 12% bracket ($11,001-$44,725) will go back up to 15%
Simply take our 60-second survey below and we start calculating based on your situation, your goals, and your retirement portfolio.
Together we'll assemble a plan for your goals, options, rates and more. You'll get the unbiased, honest advice you deserve for a secure future.
After selecting the right strategy for you, we help you get things set up properly, start your benefit, and apply your plan for growth and protection.
Basic Concepts the FlexVault Strategy Builds Upon
Basic Concepts the FlexVault Strategy Builds Upon
Stability & Guaranteed Growth
Guaranteed whole life insurance, also referred to as a cash value life insurance policy, or high early cash value life insurance, is an optimal vessel for wealth building because it combines financial security with a wealth-building opportunity. Its built-in cash value growth is both predictable and tax-advantaged, offering a reliable foundation for borrowing and reinvesting. Unlike other financial instruments, it ensures a consistent accumulation of wealth that's not directly tied to market volatilities, providing a stable platform from which individuals can finance their endeavors without relinquishing control or security over their assets.
Flexibility + Potential for Higher Returns
An Indexed Universal Life (IUL) policy offers the potential for higher returns linked to market indexes, without direct market risk, allowing for possibly greater cash value growth. Indexed Universal Life Insurance also offers flexibility in premium payments and death benefits. However, the cost of an IUL insurance policy can rise, and the interest crediting methods can be complex and subject to caps and floors, which might limit growth potential. The reliance on market performance introduces unpredictability, contrasting with the guaranteed growth of whole life policies, making IULs more complex and potentially more volatile.
We put clients first...
Theresa has more than 20 years of experience in real estate and finance. She approaches every meeting with the same goal: to provide the client with the most effective solution to achieve their goals.
Whether it's providing guaranteed income in retirement, minimizing taxes on the sale of a property or business, or any other aspect of financial planning, the process is the same - forge a deep relationship with the client and truly understand their needs and objectives.
Matt is an experienced Wealth Strategist with a 20+ year track record of helping people achieve their financial goals. He specializes in designing solutions for business owners and high-net-worth individuals.
Matt strives to thoroughly understand the client's objectives so he can design elegant solutions that maximize growth and minimize taxes.
Matt is very active in his local community. He has been a Rotarian since 2010, serving as Treasurer of his local club for almost seven years. He was named Rotarian of the year in 2019.
Arielle Shim is a dedicated wealth consultant at FTS Life Solutions. With a deep passion for helping individuals plan for a secure retirement, Arielle specializes in providing clients with access to financial vehicles typically utilized by the top 1% to effectively park and grow their wealth.
Her commitment to empowering clients with strategic financial solutions ensures they can achieve their retirement goals with confidence and peace of mind.
Frequently Asked Questions
Frequently Asked Questions
The FlexVault program "stacks" several advanced strategies to generate returns beyond those typically seen in normal whole life or indexed universal life policies. This stacking allows growth to occur both inside and outside the policy.
The cost of life insurance is influenced by factors like the chosen death benefit and your life expectancy. Critical elements such as age, gender, tobacco usage, and overall health play a role in determining the premium. With FTS Life Solutions, you'll find a range of products and premium options, giving you the freedom to select a payment amount that aligns with your financial situation and coverage needs.
Acquiring a policy is a streamlined process, typically completed within a month. The first step is connecting with an agent who will guide you through the application. Depending on your situation, a medical examination may be required. Once all necessary information is gathered, your application undergoes evaluation. Upon approval, your personalized insurance policy is issued and delivered to you.
The FlexVault strategy leverages a guaranteed whole life policy or an indexed universal life policy as its foundation. Both vehicles allow you to use the policy as collateral for loans, so you can access your funds in an emergency or to take advantage of other opportunities. With the FlexVault strategy you can borrow up to 80% of your policy's cash value. Borrowing against the policy can affect its growth, so we highly recommend you consult with one of our Wealth Strategists before doing so.
Tier 1 assets are characterized by stability, liquidity, quality, and core capital.
Guaranteed Whole Life insurance is a permanent life insurance policy that lasts for the policyholder's entire life. It includes a cash value component that is a financial asset that lasts the policyholder's entire life. Indexed Universal Life (IUL) is a combination of life insurance, cash value accumulation, and flexible premiums.
Both are considered a Tier 1 assets because of their stability, liquidity, and the potential for the cash value to grow over time. Banks are highly prone to lend against Tier 1 assets because they are considered to be so safe. In fact, Bank Owned Life Insurance, or "BOLI," is often one of the largest assets on the big banks' balance sheets!
FTS Life Solutions LLC
70 SW Century Dr
Ste 100 PMB 1301
Bend, OR 97702
Toll Free: (855) 633-5350
OR Producer License: 3002869022
FTS Life Solutions and its affiliated partners offer life insurance sales services. Services are offered through FTS Life Solutions and its licensed insurance agents. FTS Life Solutions, Financial Tax Strategies and other affiliated parties do not intend to provide investment advice through this site or the use of the tools on the site and does not represent that the products or services discussed are suitable for every investor.
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