Independent Registered Financial Consultant Bellevue, WA & Eastside
Play the Equity Accumulator video below for an overview of this Advanced Cash Management Program. Use this financial planning tool to build equity you can use to build wealth. You can even reduce your taxes in the future when you implement our strategies utilizing this tool.
Click to watch Equity Accumulator Video
A Primer
A 5 Step Action Plan
Guide to financial freedom
What was taken away may be taken back. Learn how.
How to safely leverage equity
Tax free income producing strategies
Kiyosaki's 8 new rules of money
If you think future tax rates will be higher than they are today, does it make sense to save money to accumulate wealth in accounts that defer, or postpone or delay, taxes to the future.
Learn how to Avoid the 401(k)/IRA Tax Deferral Trap
For more in depth examination of the cost of the tax deferral trap and case studies showing what can be done to avoid this costly wealth transfer, visit HERE
If there were a way a parent could leave their kids an extra $100,000 to $2,000,000 completely tax free and it doesn’t cost anything extra each month, would you like to see it?
Or,
If there were a way you can leave yourself a $100,000 to $2,000,000 tax free inheritance when your folks pass away and it doesn’t cost you or your folks any extra each month, would you like to see that?
Call for a FREE, no obligation wealth management conversation to see how you and your family can make it work. Call today – 425-829-4110
The Blueprints For Tomorrow Program gets you to start working ON your business at the strategic level eliminating the ”what ifs” that keep you awake at night rather than IN your business at the tactical level on tasks you should delegate. 
If you own a business, do you ever ask yourself…
There are a dozen more ‘what ifs’ that can keep you awake at 2 o’clock in the morning staring at the bedroom ceiling. Eliminate them and achieve the security, freedom and peace of mind you want with our Blueprints For Tomorrow program.
The Blueprints For Tomorrow™ Program is a series of blueprints that help you deal with the “what-ifs” that keep you lying awake at two o’clock in the morning staring at the bedroom ceiling. The Blueprints For Tomorrow™ Program will help you protect what you’ve worked so hard to create, increase the financial potential of your business, and sleep soundly at night.
Many business owners only work in their business, and never on their business. They take on too many responsibilities and waste a lot of time on activities they should delegate. They take care of everyone else first, before considering themselves and their future. They feel they are not running businesses, they are running adult daycare centers. They may have too much of their wealth tied up in their business and they have no exit plan. As well, they may be unnecessarily exposed to many risks such as death, disability, adverse tax consequences, loss of key employees, and lawsuits.
By leaving these important issues unresolved they are jeopardizing their future and the security of the people they care about. There will be disharmony among key relationships in their family and business. They are overwhelmed by worry and concerns and have nowhere to turn for help, and as a result, they lie awake at night worrying about the “what-ifs.” This is why we created The Blueprints For Tomorrow™ Program: to provide a series of blueprints that help you deal with the “what-ifs” and to help you not only make a living, but make a life. It’s a series of real financial strategies for small businesses.
The Blueprints For Tomorrow™ Program is a step-by-step process. In phase one, we have a one-on-one Starter Session to assess if we are the right fit for each other. If we both agree we are the right fit for each other, you join The Blueprints For Tomorrow™ Program. In phase two, we help you choose and implement the blueprints required for your personal situation. In phase three, you take advantage of The Blueprints For Tomorrow™ Toolbox, our full suite of resources and capabilities.
This unique series of blueprints was developed while working with our clients. We help you understand your current situation and create clarity for your future. Then we look at the roadblocks standing in your way and use the blueprints that will work best for your situation. As a result, we don’t leave any stone unturned. We make sure that you’ve covered all of the issues that are important to you.
The Blueprints For Tomorrow™ Program is not for everyone. It is designed specifically for business owners who are willing to invest to better their businesses and their lives. To benefit from the program, you must have strong business sense and recognize the value of working with outside professionals.
As a member of our program, you work through a series of blueprints that help you take care of the what-ifs and enjoy a better life. You can focus on what you do best and delegate non-profitable activities to others. You can create and document a succession and exit plan. You could have written a contingency plan and a clear estate plan. Your assets and wealth can be protected and could be channeled into wealth diversification vehicles. The adverse consequences of potential litigation and a poor economy will be minimized. Your family will be protected and you will enjoy greater family and employee harmony. You will have more free time, and worry less about the details. And, most importantly, you will protect what’s important to you, increase the financial potential of your business, and enjoy a better life.
For information about The Blueprints For Tomorrow™ Program call 425-829-4110
Do you think tax rates will be lower, the same, or higher in the future? How will that impact your lifestyle? What are you doing to prepare and protect yourself against the advent of higher taxes in the future? What are you doing to win the inflation battle that looms out there on the horizon?
Do you have a comprehensive strategy that -
Or, are you hunkered down defensively in bunker mentality, fending off ‘distractions’ and missing opportunities, too busy making a living to have a life?
‘Jeff and Lisa’ knew they’d be in trouble if they stayed in their bunker. They were on track to run out of money well before life expectancy. They implemented two painless recommendations that reduced their income tax burden in retirement by almost over $696,000 and ensured they had adequate income past age 100. Confirm their story in Avoid The Deferral Trap.
Individuals: Click “Who’s Helping Consumers?” to start your Blueprints program. Watch videos to learn how to eliminate the ”what ifs” that bother you and how smart cash flow, asset and liability management for consumers can increase net worth and decrease taxes for a more secure and prosperous future. Learn how to Avoid The Deferral Trap. Click here now
Business Owners: Start working ON your business at the strategic level eliminating the ”what ifs” that keep you awake at night rather than IN your business at the tactical level on tasks you should delegate.
Make us your Financial Architect. Let’s design a Blueprint that enables you to do what you want, with whom and where ever you want. Help us to help you and those you care about. Call 425-829-4110 or email scott@scottscholz.com
Lewis Carroll wrote, “If you don’t know where you are going, any road will get you there.” H. Stanley Judd wrote, “A good plan is like a road map (i.e., a blueprint!): It shows the final destination and usually the best way to get there.”
CHARACTERISTICS OF AN IDEAL INVESTMENT
The Problem:
When it comes to mainstream investments these days, viable options are few and far between. The stock market has been in flux over the last several years by virtue of looming inflation, spiraling oil prices and the constant threat of terrorism. Every government bureaucrat, newsletter author, financial expert, and private investor has a different take on the market’s future. All, if they’re ruthful, will agree that the market’s direction is uncertain.
Another stalwart of mainstream investment has taken a turn for the worse as well. Unsustainable appreciation in the housing sector has cast doubt in the minds of many investors, who once viewed real estate as a safe harbor for their investment dollars.
Even seasoned investors, with no place to turn, are accepting big losses and taking cash positions with little to no profits. They’ve acquiesced to market and economic forces beyond their control to avoid uncertainties and risks. Regardless of their market prowess, no investor can time the next act of terror.
While money markets, annuities and government treasuries offer safety, the return is miniscule after inflation. Conversely, riskier investments with higher yields require impeccable market timing [read: down right luck] to keep from losing not only profits, but principal as well!
So it goes. If investors are to enjoy the double digit returns of years gone by, then they must accept enormous risks, right?
The Proposition:
If there were such a thing as the ideal investment, how would it be quantified?
Recently, a panel of individual investors with diverse goals defined characteristics that would produce such an investment. All the panelists agreed that the ideal investment would possess the following traits:
Safety & Security Diversification No Management Fees
Mainstream Liquidity Performance
Clear Exit Event Win//Win Investment
The Product:
Fortunately, there is an investment product that not only possesses these traits, but excels at each.
The product is called Life Settlements. Life Settlements are purchased by life settlement companies like Life Partners Holdings, Inc. (LPHI). LPHI is the oldest and only publicly traded life settlement company in the United States (NASDAQ symbol LPHI). For many years now, financial institutions including Warren Buffet’s investment arm Berkshire Hathaway, ABN AMRO, Merrill Lynch, Credit Suisse First Boston, and Deutsche Bank have invested HUNDREDS of MILLIONS in life settlement companies for one simple reason: Life Settlements are not subject to any stock market or economic conditions…none!
Statistically, approximately 90 percent of life insurance policies never pay the death benefit because they are allowed to lapse. When they lapse, the insured loses all the money they’ve invested into premiums and their beneficiaries receive nothing. In times past, the only other alternative for the insured was to take a very small cash surrender value amounting to only pennies on the dollar of their original investment.
LPHI offers new hope to these policy holders who no longer need their policies. LPHI will scrutinize each policy closely and will only purchase B+ or better policies as rated by A.M. Best. LPHI only deals with trusted legal reserve insurance companies. Incidentally, since 1845, there has never been a single case where a legal reserve insurance company has not paid a death benefit.
After LPHI elects to underwrite a policy, it will determine its acquisition costs and make a lump sum offer to the insured. Once the offer is accepted, LPHI will divide the policy on the market for multiple investors to buy. The good news is, now, individuals can reap the same rewards the institutional investors mentioned above have enjoyed for years! If an investor buys 10% of the acquisition cost, the investor owns 10% of the policy’s face value. Once the investor’s money is placed into a policy, the investor will know his or her Absolute Payout.
Since 1991, LPHI has a proven track record of greater than double digit annualized ROI; even during crisis abroad and in the wake of 9/11. Why? Again, Life Settlements are completely uncorrelated to the securities markets or economic events.
The Payoff:
So how do Life Settlements from LPHI measure up to our panels’ characteristics of the ideal investment? Let’s review:
SAFETY: On the risk continuum, Life Settlements offer the equivalent safety somewhere between money markets and investment grade bonds.
SECURITY: LPHI and its escrow affiliate, Dunnam & Dunnam are regulated by the SEC and operate under the oversight of the Texas Board of Banking, national banking laws, and Texas Department of Insurance. They are audited by Murrell, Hall, McIntosh & Co., PLLP and KPMG, PLLP respectively. LPHI maintains an “arms length” policy for its investors so all policies and funds are held in trust. LPHI does not touch the investor’s money.
PERFORMANCE: Since inception Life Settlements as structured by LPHI has produced historic double digit returns. Past performance does not guarantee future results. This financial product has a battle tested track record through both bull and bear markets.
DIVERSIFICATION: Life Settlements are the ultimate diversification tool due to the fact that they are uncorrelated to the stock market, oil prices, interest rates and even terrorism. Life Settlements, as the cornerstone of any diversified portfolio, offer a hedge during economic downturns as well as during periods of market stability. Life Settlements serve as a better uncorrelated hedge than bonds and have the potential to generate double digit returns. They should be part of the FOUNDATION of every investor’s portfolio
MAINSTREAM: For many years Life Settlements were only available to institutional investors. Financial icons including Berkshire Hathaway, ABN AMRO, Credit Suisse First Boston, and Deutsche Bank, etc, have invested hundreds of millions in life settlements with the understanding that the return of their principal and return on their principal are the Contractual obligations of highly rated insurance companies. Their pursuit of this market is related to the degree of PROTECTION and the AVOIDANCE of Market and Economic Risk. These institutions involvement provide immense credibility because of the level of due diligence they require of any investment before actually committing their own dollars. Life Settlements presents the rare opportunity for an accredited investor to invest on a level playing field with major institutions.
WIN/WIN INVESTMENT: LPHI provides viable options through the secondary insurance market where none existed before. Senior citizens are released from the burden of high premiums and are provided lump sum payments. In many instances, this much needed capital infusion allows them to live out their remaining years in dignity. We allow seniors the ability to turn a death benefit into a LIFE BENEFIT.
NO MANAGEMENT FEES: All fees associated with Life Settlements are built into the acquisition costs and therefore 100% of the investor’s money goes to work for them. All your money is invested without paying any management fees or underlying fund expenses in cash or IRA investments. Qualified funds are subject of Custodial fees; typically around $100 to $200 annually.
LIQUIDITY: Life Settlements should be viewed as a medium to long term investment. They are perfect for retirement dollars, college savings funds and cash investments.
CLEAR EXIT EVENT: While at certain points in time the DOW has yielded double digit returns, even the best exit strategies are formulated on speculation and conjecture. To enjoy increasing returns, one must accept the ever increasing risk of losing principal along with profits. The investor, at his or her discretion, may exit at every policy maturity. The vast majority of investors however, elect to roll over returns into additional policies. Unlike the securities markets, decisions to exit or reinvest in Life Settlements are never predicated on speculation or mere conjecture. Life Settlements are the ultimate AUTO PILOT INVESTMENT.
Summary
It is exceptionally difficult to find an investment that meets all eight of the Characteristics of an Ideal Investment. Fractionalized Life Settlements hits a solid 7 out of 8 for most investors. For the investor with a timeline of 5 years or more, Life Settlements meets 8 out of 8 and warrants serious consideration for a portion of your investment portfolio. Call 425-829-4110 so we can help you determine what that portion might be for you.