We are not financial advisers or tax advisers, therefore, the information presented in this article should not be considered as financial advice or tax advice. Financial advisors advise where to invest assets which, in turn, are subject to market gains and losses. On our side, we protect the assets by placing them where they can grow safely. We are insurance advisors.

At Safe Money Solutions, we are first and foremost educators. As consumers, people are constantly bombarded with information and advice from all directions, whether from family, friends, television, radio, the Internet or other professionals. When we start working with clients, we educate and change the mindset to focus on a new set of rules to relearn how money really works.

At Safe Money Solutions, we take a holistic approach by looking at the person, not just the finances. We are no different from a medical specialist, whose main objective is to diagnose and treat using appropriate drug dosages and treatments. As an insurance specialist, we diagnose and address potential underlying risk exposures with appropriate insurance solutions that can mitigate or eliminate potential risks.

Our goal is to put customers in a safer situation by protecting them from future surprises. Our clients have the control to mitigate their risks, whether financial risk (risk of stock market loss), longevity risk (excluding living assets), social security risk (potential future reduction in benefits), pension risk (possible reductions or loss of benefits), tax risk (risk of increased taxes), inflation risk (price increases), inheritance risk (bequeathing fewer assets to future generations), legal risk (risk of legal actions and legal documents in order), identity risk (risk of compromised identity), material risk (risk of damage or injury) or health risk (risk of deterioration of health) . There are insurance solutions that will protect you against all these risks.

Are you a financial adviser?

We are not financial advisers as we do not give financial advice on how to invest money. We do not offer investment vehicles that put assets at risk. We are insurance advisors that help you protect your financial assets, asset growth, and assets that provide you with income streams.

How do we protect customers?

Why are you currently insuring your home, vehicles, health and life? Is it because you are planning to have a fire, accident, get sick or graduate Technically you don’t need home insurance if your house is reimbursed, car insurance if your car is reimbursed, health insurance if you are in good health, life insurance if you have neither debts nor obligations. Yet you have most of these insured. You’ve insured them because of the “what ifs” in life. What if you have a house fire, what if you have a car accident, what if your health deteriorates or what it if you die prematurely? If you protect all of these things, why don’t you protect your financial assets?

We provide safe money solutions to our clients by repositioning assets into insurance policies such as annuities or life insurance. These solutions are contractually guaranteed never to lose money, regardless of market conditions, political environment or world events. We have solutions available to everyone and businesses that provide guaranteed growth, build tax-free wealth and produce guaranteed income for life. With these solutions in place today, customers can legally and ethically reduce or even eliminate taxes.

What is insurance and why should I put money into an annuity or life insurance policy?

The word insurance, and more specifically annuity and life insurance, has a negative connotation for some people. These words should provide a sense of security and peace of mind.

What is insurance? According to Merriam-Webster.com, insurance is defined as “the business of insuring persons or property” or “a means of providing security protection.”

What is an annuity? According to Merriam-Webster.com, an annuity is defined as “a contract or agreement providing for a sum of money at regular intervals. A common example is the payment received by retirees from a pension plan. Social Security benefits are considered a life annuity only, as they provide guaranteed income payments throughout life. All annuities are a type of insurance, but not all annuities are created equal. The annuities we are talking about protect capital and offer guaranteed growth and income.

What is life insurance? According to Merriam-Webster.com, life insurance is “insurance providing for the payment of a stipulated sum to a named beneficiary on the death of the insured.” Safe Money Solutions helps clients secure their finances for themselves and their loved ones with the benefits of tax-free life insurance.

Safe Money Solutions offers solutions to clients so that they can protect themselves against financial risk, longevity risk, inflation risk and tax risk. We are able to do this through the use of products such as annuities and life insurance.

Why are safe money solutions important?

An important question we ask clients during our first chat is: “Do you think taxes will go up or down in the future?” For those who said “Down,” you might want to reconsider after checking out the National Debt Clock at www.usdebtclock.org. The US national debt has exceeded $30 trillion. This is the figure that is reported by the media. It is a fact, but it is only a third of the fact. The same website indicates that the unfunded liabilities of the United States are approaching $165 trillion. How can there be a $135 trillion difference? US unfunded liabilities are debts that do not have the funding to cover future obligations that are currently on the book. Unlike states, which must balance their budgets every year, the US government does not have to balance its budgets; thus creating a deficit. How will the United States pay off the national debt? The two most obvious ways to reduce the national debt are to raise taxes and cut spending. Therefore, we help our clients find solutions that will reduce or eliminate taxes by moving from taxable to non-taxable assets.

Warren Buffett once said, “The first rule of investing is not to lose. [money]. The second rule of investing is to remember the first rule. And those are all the rules there are.

Sponsored by Safe Money Solutions

5250 N Park Pl NE SUITE 101

Cedar Rapids, IA 52402

319-249-5556 • 1-800-381-5800

www.safemoney123.com