LINDSEY FINANCIAL SERVICES

LINDSEY FINANCIAL SERVICES...

2010-03-23T15:47:00.000-07:00

WHAT WE DO FOR YOU...

*** Our Investment services are not listed on this website

The Power of Planning:
"Good planning and hard work lead to prosperity,
but hasty shortcuts lead to poverty"
(Proverbs 21:5)

PLANNING IS KEY TO SUCCESS!!!

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Have you considered all that goes into a proper plan?
What are your goals?

Its important to have a good plan working together!!!
What's been your success?

Which strategy are you building?

Do you have your plans formulated and reviewed by professionals who specialize in those areas?

Do your products fit your plan or
does your plans need to fit your products?

Seven Key Steps to Planning

1. Financial Foundation

2. Risk Management

3. Wealth Accumulation

4. Taxes and Inflation

5. Retirement Plans

6. Asset Protection

7. Estate Planning

ARE YOU READY TO GET STARTED?

Corbin Lindsey

425-280-9169

TAX STRATEGIES

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Are you choosing the best method?

TWO TYPES OF INTEREST

1) COMPOUND (This is what we want to earn)

2) SIMPLE (This is what we want to pay)

Sample #1 and Sample #2

ARE YOU DOING IT RIGHT?

Take a yearly look at all investments, including your work retirement plans (401k's, etc), Personal investments and your home equity.

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FOUR KEYS TO ANY INVESTMENT...

1) LIQUIDITY
2) SAFETY
3) RATE OF RETURN
4) TAX GUIDELINES

Many make the mistake of measuring an investment on the rate of return. However, if you had a rate of return of 40% but you had a 99% chance of losing your money in the next 24 hours, how safe would this investment be? Or if you had an investment with great rate of return, but you had no access to the funds for many years without major penalties, how good would this be for your liquidity needs... Rate of return is important but so are the other key points listed above.

Ask yourself:
Is it Liquid and SAFE prior to your rate of return!!!
Get a check-up on your investments today...

Corbin Lindsey

425-280-9169

2009-01-07T23:56:00.000-08:00

Pay off your House?

We are taught to pay off a mortgage.
Is this really the best strategy?

What happens to the equity if we ever got sued? What happens if we need to borrow some of that money during a time of emergency such as a Disability or Job Loss? When we retire, can we access our money to live on without losing our house to a reverse mortgage?

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IF what you always thought to be true turned out not to be true ...

When would you want to know???
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Take a moment to learn about EQUITY REPOSITIONING
CLICK HERE

What if what you’ve been told about paying off your mortgage and saving in your company retirement plan were wrong, when would you want to know? How do you maximize and protect your greatest financial asset, your home...?

Learn how to take steps to bridge the gap between securing your future, sending your kids through college and paying off your mortgage sooner... without increasing your monthly expenses one dime.

The answer is the concept of EQUITY REPOSITIONING

Equity Repositioning SNAP-SHOT

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Home Equity is not liquid...
Let’s create a hypothetical situation where a person has $200,000 of equity built up in their house. Everything is fine until this person gets in an automobile accident and can’t work for at least 6 months. The disability checks are not enough to cover the mortgage and the car payment, not to mention put food on the table. The first thing this person might try to do is take out a home equity line of credit. Without a job, however, the chances getting that credit from the bank are next to nothing. Now the only option is to sell the house.

This is not a good predicament to be in.

Equity is not safe...
As illustrated in the above example, keeping money locked up in the form of equity is not a safe investment. At the very least, housing prices can drop and your equity does with it. Worst case, you need the money. Banks are rarely in the business of lending money to people who really need it. The only way to have a chance of getting that money is to sell the house. It sits on the market for too long and the bank, which is fully aware of the amount of equity that has built up, swoops in and repossesses it.

Equity has no rate of return...
Worst cases aside let’s take a look at equity from an investment standpoint. The point of investing is to make money. To make money on an investment there needs to be a positive rate of return. With a negative rate of return you lose money, and with no rate of return your money just sits there. Equity has no rate of return. There is no interest rate that is compounding and causing it to grow. The only way that equity changes is with the unpredictable fluctuations in the real estate market. In a falling market the equity that is locked up in a house can shrink significantly.

The basic premise of the Home Equity Repositioning concept, based on those three facts, is this:

If equity is cashed out and invested in a safe and predictable arena, where there are compounded interest rates causing it to grow in a tax free environment, such as a Universal Life policy, then the money can grow unaffected by market fluctuations.

In this situation the money is liquid. It can be accessed, also free from income tax. Your equity, properly managed, now becomes a viable retirement plan, far above and beyond taxable 401(k)’s and IRA’s, which is another area in which this concept can be put to use.

Furthermore, when it is all said and done, by investing in a Universal Life product you leave a sizable death benefit to your heirs, all from money that would otherwise be sitting in some mythical land where it is called equity, earning nothing.

Other principal protected investment products also exist...

Do you or someone you know , benefit from this concept?

CLICK HERE for more details

CLICK HERE for a indepth explaination...

Interesting Charts

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CONTACT FORM

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