The third and most important step to building wealth is to build or increase your family's estate by repositioning your non-performing assets into guaranteed, no-risk, tax-free retirement income that you will receive for the rest of your life and pass on to your heirs.  Let's breakdown this sentence and look at each component to explain what we mean:

 

What are non-performing assets?  Non-performing assets include any assets that are not earning a rate of return equal to or greater than your lowest interest rate on your debt expense.  Did you realize that the money in your checking account is probably earning 0-2% while you pay the same bank 6-8% (or more) interest on a mortgage?  That is non-performing!  This is how the banks make money, but you know this is NOT how to make your money work for you. 

 

Let's take this to another level.  Did you realize that the equity in your home is also an asset?  What rate of return does the equity in your home earn?  ZERO!  We teach our clients that they should invest the equity in their home in safe, liquid, guaranteed investments that perform!

 

What kind of investment is guaranteed, no-risk, and tax-free? Investment-grade life insurance, called Indexed Universal Life.

Read below to understand more about how it works.