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Denver Nowicz

Wealth For Life Radio – Markets are high, now what?

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Before the market crashed in 2008, very few in the financial media were recommending take your gains and go. The system doesn’t work that way. Today people are worried about losing what they have gained in the latest recovery.

We will also discuss a recent article: “Why Americans no longer tolerate risk.” This traces the history and development of Wall Street’s favorite tool – the risk tolerance questionnaire. Was it created as a well-researched planning tool or a marketing tool to sell more investments? Read More

Wealth For Life Radio – The myth of the “Retirement Tax Bracket”

Posted by | indexed life insurance, tax strategies | No Comments

Topics from this weeks show:

Is there such a thing as a “Retirement Tax Bracket”? No there is not. It is important to plan for and remember that when you take money out of a 401k or IRA, 100% of that withdrawal is counted and taxed as ordinary income. The entire amount counts toward the tax calculation.

If you haven’t planned for the cost of taxes during retirement it could potentially cause you some big problems. If taxes go up you could pay more in taxes. If you need a large chunk of your own money for emergencies or just to use as you choose – you could end going into a higher tax bracket and getting hit with the full force of the U.S. tax coded. You could be faced with tax rates of 25% to 39% depending on your income and withdrawals during retirement. Read More

Creating tax free income with indexed life insurance

Posted by | indexed life insurance, life insurance, tax strategies | No Comments

From one of our live webinars, this is the most complete overview of indexed universal life insurance you will find on the internet. Details of growth strategies, cost structure and case studies. Denver Nowicz is one of the top experts in the nation on indexed life insurance and has been using these in the real world for 15 years.

Build income streams to create wealth for life

Posted by | annuities, indexed life insurance, retirement income | No Comments

Building income streams is the “pension” type concept. Your financial life is much easier if you know 70% or more of your monthly expenses are automatically covered each month. Use safe and protected vehicles to create a lifetime of income with double digit growth potential, no market risk and inflation protection. This short video explains how it’s done.

The 401k Tax Deception Part I

Posted by | indexed life insurance, life insurance, pension, retirement income, small business, tax strategies | No Comments

People have been told they can save money in taxes by maxing out a 401k or Defined Benefit Plan. These plans are not tax savings plans. You still have to pay the taxes in the future when you take out money. High income earners could end up paying more in taxes by waiting. Watch this video to learn how these plans really work.