Safe Solutions From Wise Equity Planning


Safe Solutions for Your Financial Future People saving for retirement simply want a place where our money is safe, and it grows. Build your own banking system with the 7702 Secret to Success. Ordinary people are in a no-win situation. Each investment vehicle is designed to profit its designer. Bank accounts make money for banks. Stocks make money for stock brokers. And the tax code makes money for the government. Don’t pick an investment. Instead, think like a banker! Put together your own solution. Of course, that would take years of research. Understanding safety, liquidity, and rate of return is hard enough. And figuring out the tax codes is darned near impossible! At Wise Equity Planning, we’ve already done the research for you. And we have a solution. We call it the 7702 Secret to Success. The Safe College Plan - Tax-Advantaged, Safe College Savings College savings plans that rely on mutual funds or stocks have the same problem as retirement funds that rely on these investments that do not guarantee safety of principle. You could build savings for 15 years, and then lose half (or more) in a bad day at the stock market. Now there is a solution. See Wise Equity Planning's Safe College Plan. The 7702 Secret to Success With Wise Equity Planning, you can build your own banking system using a little known piece of the tax code, section 7702. Affluent people have been using this financial solution for years. It's not just for the well-off; it works for anyone saving for retirement. Wise Equity Planning wants everyone to have the same advantage that comes from knowing the details of section 7702. We provide you with a properly-structured, maximum-funded indexed life account. The money you put in the plan is safe, and it grows: Safety. The company guarantees no loss of principle, and at least a 1% rate of return each year. Availability (liquidity). You can draw on the money you put inat any time. A competitive, high rate of return. Your earnings match the S&P 500, except, when the S&P goes down, you still make 1%. When the S&P goes very high, you make less, because your rate of return is capped. But, over time, your money will earn more than the S&P 500, with a guarantee of no loss of principle. Even better, each year, the interest you earn is locked in and added to your principle. So, year by year, your earnings are safe, too. Tax advantages. The US government wants people to have insurance. So Earnings are not taxed. The money you draw out is not taxed. The pay out to your heirs is not taxed as income. If you work with our home equity investment plan, the seed (the money you put in), will not be taxed, either. Can it really be this good? Let's take a closer look. Safety Your principle is safe. The insurance company holding your money guarantees that you will not lose principle, and that, in fact, you will earn at least 1%. But what if the provider goes out of business? There's good news here, too. Even during the Great Depression, not one single insurance company went out of business. Insurance companies are highly regulated. The government makes sure that they won't fail. But what about AIG? AIG was a conglomerate, a group of companies. (That’s what the "G" stands for.) AIG invested in some weak companies. When they failed, AIG, as a group, went down. But all the insurance companies that were inside AIG were safe, solid companies. They are still safe, and people with policies with those companies didn't lose any money. Is a properly-structured, maximum-funded indexed life account the safest possible place for your money? No, the safest possible place would be treasury bills or bank accounts under $250,000 which are insured by the US government even if the bank fails. But all of these vehicles have a low rate of return. Convinced you want to learn more about the 7702 Secret to Success? Contact us now. The 7702 Secret to Success is the safest place to put your money that can match - even beat - the S&P 500 for a strong rate of return! Availability (liquidity) What happens if I need to take money out? Let's look at a common situation. A client has a life account, and now a change of life situation - loss of a job, or high medical bills, or a family member who needs help - comes up. That's when we need our money available. The life account we set up for you includes a simple system: You can borrow from your account at any time, for as long as you want. The life account works like a bank for you - you put money in, and you can borrow against it at any time. How does the borrowing work? You can borrow (draw out) 90% of the value of the account. The other 10% (and more) will pass to your beneficiaries. The rate of borrowing matches the rate of earning. So there is no cost to borrowing, it just means that you don't earn interest on the money you take out. You can pay the money back at any time, at any rate, and you'll start earning interest again. You are borrowing tax-free. Unlike and IRA or 401(k), there is no tax penalty for taking money out. You can borrow the money at any time, and you never pay income tax on what you borrow. Your own bank is not just for emergencies A real estate investor can put money into a 7702 account, where it is safe, available, and earning a good return. When a good opportunity comes along, the investor can borrow money to make the purchase. When the real estate deal pays off, the investor can put the money back into the personal bank, and build up more money for retirement, or for the next real estate opportunity. The same approach works for any type of investment, not just for real estate. It sounds too good to be true. And it works! Convinced you want to learn more about the 7702 Secret to Success? Contact us now. A Competitive, High Rate of Return The 7702 Secret to Success is the one place you can be sure of earning a high return over the long haul. For safety, investment advisors often recommend a mutual fund keyed to the S&P 500. That works most of the time. But if the market takes a big dip like it did in October, 2008, you can lose a lot of money. Most people lost 1/3 of what they had in the stock market. Anyone who was using the 7702 Secret to Success made just as much money almost every year. A few years, they made a bit less. But they never lost money, and they never lost principle. When you don't lose principle, the amount of money that you earn interest on remains higher over a period of several years. Convinced you want to learn more about the 7702 Secret to Success? Contact us now. The result: The 7702 Secret to Success is a safe place for your money with a high rate of return Tax Advantages How did this happen? The tax code is full of tiny bits created by special interests. Teh government wants insurance to be reliable, so the industry is tightly regulated - much more controlled than banking, so insurance companies are safe places to put your money. Insurance companies convinced the government to support people in buying life insurance, so 7702 got written to give people a tax break for buying insurance. Bright people combining that with the empowered attitude of a banker, and a lot of attention to detail created the 7702 Secret to Success. Okay, taxes are always complicated, but walk with us here. There are four parts of a financial solution that can be taxed: The Seed. This is the money you put in. In the 7702 secret to success: Some clients will use after-tax earnings to start the plan, so the seed has been taxed. In that case, it is better to tax the small seed at the lower current tax rate than to tax the large harvest at a higher future tax rate. Some clients will benefit from what Wise Equity Planning has learned from Doug Andrews, and will be able to put home equity or real estate equity in the 7702 secret to success. For them, their seed money can be put in the plan tax free. The Growth. This is the money you earn. In the 7702 Secret to Success, your earnings are not taxed at all. The Harvest. This is the money you take out. In the 7702 Secret to Success, if you need money, you borrow it from your insurance plan, and borrowed money is not taxed at all. The Legacy. This is the money that goes to your heirs after you pass away. There's lots of good news here: Life insurance payouts are not subject to income tax. The payout is larger than the what you put in, so your heirs receive more money. The only applicable tax is Federal estate tax, which is only a concern if your net worth is over $3.5 million. If you are in that situation, then Wise Equity Planning can set up a family trust to help you reduce estate taxes. The 7702 Secret to Success is here for you now If you are ready to discuss a safe, available financial alternative with a competitive high rate of return and tax advantages, contact us today. We offer a free 1/2 hour consultation to every client, and Marshall will discuss the exact solution that meets your needs. If you want to learn more before contacting us, go to our education page.