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Do You Qualify For The New Secured Retirement Option?
Things have changed! Discover how the FlexVault program can provide tax-advantaged annual returns of as much as 10% or more with almost no market risk.
Do You Qualify For The New Secured Retirement Option?
Things have changed! Discover how the FlexVault strategy can provide tax-advantaged annual returns of as much as 10% or more with almost no market risk.
Compare the FlexVault with traditional programs and decide for yourself:
Traditional 401K, 403B or IRA
You Have Hidden Fees: in fact, you have several categories of fees that are eating away at your retirement savings.
Your Money is NOT Liquid: you cannot access your money whenever you want or need to use it, without penalty charges and taxes owed.
Your Money is NOT Protected NOR Guaranteed: no matter how your portfolio is setup, your money is directly exposed to the market and you can absolutely lose a significant chunk of your savings/investments.
Deferred Taxation Could Deplete Your Savings Faster Than You Think: the Trump era Tax Cuts & Jobs Act expires at the end of 2025, and with budget deficits and federal debt at all-time highs, you can bet taxes will go up. Are you willing to gamble losing another large chunk of your nest egg to higher taxes and risk running out of money in retirement?
FlexVault Strategy
Transparent Fees: our fees are competitive, and we clearly show them where applicable so you can make informed decisions.
Your Money IS Liquid: you can easily access a certain percentage of your money each year without worrying about paying taxes or penalties if you need it.
Almost No Market Risk, 0% Floor: regardless of how the market performs, you will have the peace of mind knowing your savings will NEVER go below the guaranteed indexed protection.*
Accelerated Tax Advantaged Wealth Building: get uninterrupted, tax free compounding growth on your accounts at much higher interest rates. Money sitting in a bank or CDs is barely earning enough to keep up with inflation, not to mention of the time it takes to recover after losing money in the markets via a 401k, IRA, or Mutual Funds.
Who is Secured Future?
We put clients first...
The team at Secured Future is comprised of industry veterans who dedicated to a client-first approach.
Dennis Drake - LACP, CBC, RFPP, CSSPS
Dennis is the Founder & CEO of SMART Family Office. He and his team have been teaching business owners, executives, high net worth individuals, retirees and pre-retirees how to reduce and/or eliminate taxes in retirement, protect their assets, set up guaranteed retirement income streams and efficiently pass on their wealth for more than 34 years.
Dennis has taught continuing education courses to Insurance Agents, Attorneys and CPA’s. He has also done numerous education seminars for the public and has taught the course “The Power of Zero Taxes in Retirement” at Del-Tech college. Dennis is also a Certified Tax and Business Advisor and is one of the only advisors in his region who offers a virtual family office (VFO) practice.
Bobby Keller - CTBA
Bobby Keller, an experienced airline pilot, offers a sharp perspective on business and investment consulting. His piloting career has honed his discipline, precision, and strategic planning skills, which he now leverages to help business owners and high-income earners enhance their financial strategies.
Bobby quickly clarifies financial plans, identifying the best tax-saving strategies and tax-free investment opportunities. He meticulously ensures his clients’ financial paths are as smooth and efficient as his flights. Bobby is your financial sherpa, guiding you to the summit with the expertise and assurance of Tenzing Norgay guiding Edmund Hillary. With Bobby, you’re in experienced hands, never having to navigate the financial heights alone.
Chris Nissen - CTBA
Chris Nissen is a seasoned financial advisor who started his journey in the industry at the age of 20. Specializing in helping clients navigate the complexities of financial planning, Chris's expertise lies in utilizing alternative investments to address a wide range of needs including retirement, estate planning, college funds, cash management, and legacy planning.
As a Certified Tax and Business Advisor (CTBA), Chris brings a proactive and creative approach to assisting business owners in minimizing their tax burdens. His unique insights and strategies empower entrepreneurs to optimize their financial strategies, ensuring they pay less in taxes while maximizing their wealth-building opportunities.
Matt Nye - CTBA
Matt Nye has more than 30 years experience in the tech and finance sectors. As a Certified Tax & Business Advisor, he specializes in helping business owners, real estate investors and high income wage earners minimize their taxes and maximize their growth.
Matt specializes in advanced life insurance strategies and special purpose trust vehicles that offer safety, liquidity, growth and asset protection. He is committed to delivering personalized, client-centered solutions.
Whether advising on estate planning, retirement income strategies, or business succession planning, he combines deep industry knowledge with a focus on achieving clients’ unique financial goals.
Act Now to Secure Your Retirement!
Until the 2017 Tax Cuts & Jobs
Act Provisions Expire!
The current top rate will go back up to 39.6% from 37%
The current 32% bracket ($182,101-$231,250) will revert to 33%
The current 24% bracket ($95,376-$182,100) will go back up to 28%
The current 22% bracket ($44,726-$95,375) will go back up to 25%
And the current 12% bracket ($11,001-$44,725) will go back up to 15%
Step 1 - 60-Second Survey
Simply take our 60-second survey below and we start calculating based on your situation, your goals, and your retirement portfolio.
Step 2 - Your Personal Plan
Together we'll assemble a plan for your goals, options, rates and more. You'll get the unbiased, honest advice you deserve for a secure future.
Step 3 - Apply Your Strategy
After selecting the right strategy for you, we help you get things set up properly, start your benefit, and apply your plan for growth and protection.
Find Out If You Qualify For This Transformative Strategy By Taking Our 60-Second Survey
Basic Concepts the FlexVault Strategy Builds Upon
Basic Concepts the FlexVault Strategy Builds Upon
Guaranteed Whole Life Insurance
Stability & Guaranteed Growth
Guaranteed whole life insurance, also referred to as a cash value life insurance policy, or high early cash value life insurance, is an optimal vessel for wealth building because it combines financial security with a wealth-building opportunity. Its built-in cash value growth is both predictable and tax-advantaged, offering a reliable foundation for borrowing and reinvesting. Unlike other financial instruments, it ensures a consistent accumulation of wealth that's not directly tied to market volatilities, providing a stable platform from which individuals can finance their endeavors without relinquishing control or security over their assets.
INDEXED UNIVERSAL LIFE INSURANCE (IUL)
Flexibility + Potential for Higher Returns
An Indexed Universal Life (IUL) policy offers the potential for higher returns linked to market indexes, without direct market risk, allowing for possibly greater cash value growth. Indexed Universal Life Insurance also offers flexibility in premium payments and death benefits. However, the cost of an IUL insurance policy can rise, and the interest crediting methods can be complex and subject to caps and floors, which might limit growth potential. The reliance on market performance introduces unpredictability, contrasting with the guaranteed growth of whole life policies, making IULs more complex and potentially more volatile.
Who is Secured Future?
We put clients first...
Dennis Drake -
LACP, CBC, RFPP, CSSPS
Dennis is the Founder & CEO of SMART Family Office. He and his team have been teaching business owners, executives, high net worth individuals, retirees and pre-retirees how to reduce and/or eliminate taxes in retirement, protect their assets, set up guaranteed retirement income streams and efficiently pass on their wealth for more than 34 years.
Dennis has taught continuing education courses to Insurance Agents, Attorneys and CPA’s. He has also done numerous education seminars for the public and has taught the course “The Power of Zero Taxes in Retirement” at Del-Tech college. Dennis is also a Certified Tax and Business Advisor and is one of the only advisors in his region who offers a virtual family office (VFO) practice.
Bobby Keller - CTBA
Bobby Keller, an experienced airline pilot, offers a sharp perspective on business and investment consulting. His piloting career has honed his discipline, precision, and strategic planning skills, which he now leverages to help business owners and high-income earners enhance their financial strategies.
Bobby quickly clarifies financial plans, identifying the best tax-saving strategies and tax-free investment opportunities. He meticulously ensures his clients’ financial paths are as smooth and efficient as his flights. Bobby is your financial sherpa, guiding you to the summit with the expertise and assurance of Tenzing Norgay guiding Edmund Hillary. With Bobby, you’re in experienced hands, never having to navigate the financial heights alone.
Chris Nissen - CTBA
Chris Nissen is a seasoned financial advisor who started his journey in the industry at the age of 20. Specializing in helping clients navigate the complexities of financial planning, Chris's expertise lies in utilizing alternative investments to address a wide range of needs including retirement, estate planning, college funds, cash management, and legacy planning.
As a Certified Tax and Business Advisor (CTBA), Chris brings a proactive and creative approach to assisting business owners in minimizing their tax burdens. His unique insights and strategies empower entrepreneurs to optimize their financial strategies, ensuring they pay less in taxes while maximizing their wealth-building opportunities.
Matt Nye - CTBA
Matt Nye has more than 30 years experience in the tech and finance sectors. As a Certified Tax & Business Advisor, he specializes in helping business owners, real estate investors and high income wage earners minimize their taxes and maximize their growth.
Matt specializes in advanced life insurance strategies and special purpose trust vehicles that offer safety, liquidity, growth and asset protection. He is committed to delivering personalized, client-centered solutions.
Whether advising on estate planning, retirement income strategies, or business succession planning, he combines deep industry knowledge with a focus on achieving clients’ unique financial goals.
Frequently Asked Questions
Frequently Asked Questions
How do you get these returns?
The FlexVault program "stacks" several advanced strategies to generate returns beyond those typically seen in normal whole life or indexed universal life policies. This stacking allows growth to occur both inside and outside the policy.
How is the premium calculated?
The cost of life insurance is influenced by factors like the chosen death benefit and your life expectancy. Critical elements such as age, gender, tobacco usage, and overall health play a role in determining the premium. With Secured Future, you'll find a range of products and premium options, giving you the freedom to select a payment amount that aligns with your financial situation and coverage needs.
Is a medical exam required?
Acquiring a policy is a streamlined process, typically completed within a month. The first step is connecting with an agent who will guide you through the application. Depending on your situation, a medical examination may be required. Once all necessary information is gathered, your application undergoes evaluation. Upon approval, your personalized insurance policy is issued and delivered to you.
How is my money "liquid" if it's in one of these policies?
The FlexVault strategy leverages a guaranteed whole life policy or an indexed universal life policy as its foundation. Both vehicles allow you to use the policy as collateral for loans, so you can access your funds in an emergency or to take advantage of other opportunities. With the FlexVault strategy you can borrow up to 80% of your policy's cash value. Borrowing against the policy can affect its growth, so we highly recommend you consult with one of our Wealth Strategists before doing so.
What is a "tier 1" asset?
Tier 1 assets are characterized by stability, liquidity, quality, and core capital.
Guaranteed Whole Life insurance is a permanent life insurance policy that lasts for the policyholder's entire life. It includes a cash value component that is a financial asset that lasts the policyholder's entire life. Indexed Universal Life (IUL) is a combination of life insurance, cash value accumulation, and flexible premiums.
Both are considered a Tier 1 assets because of their stability, liquidity, and the potential for the cash value to grow over time. Banks are highly prone to lend against Tier 1 assets because they are considered to be so safe. In fact, Bank Owned Life Insurance, or "BOLI," is often one of the largest assets on the big banks' balance sheets!
Secured Future
575 S Wickham Rd, Ste F, PMB 221
Melbourne, FL 32904
Toll Free: (877) 851-8555
FlexVault is a strategy designed to fully utilize insurance policies' unique characteristics. Insurance services are offered through partners and affiliates of Secured Future, some of whom are licensed insurance brokers. Certain eligibility restrictions may apply. In connection with the strategies you may discuss with your Secured Future representative, we may incorporate the services of other affiliated service providers. The compensation earned by these entities presents a conflict of interest for Secured Future because Secured Future is incentivized to use or recommend that you use these affiliated service providers. The statements contained herein are aspirational in nature and for illustrative purposes only.
The suitability of all Secured Future strategies and their potential results will depend on the facts and circumstances of the individual policyholder and future economic conditions that are impossible to know in advance. There are risks associated with asset-backed lending strategies that you should consider and discuss with your Secured Future representative and other financial professionals, including, but not limited to, policy performance, interest rate risk, and additional loan renewal requirements. Any guarantees and benefits of an insurance policy are subject to the claims-paying ability and financial strength of the issuing insurance company. No other guarantees by any other party should be assumed or implied. Coverage may expire when either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage. Distributions from loans and withdrawals will reduce a policy’s cash surrender value and death benefit and may affect policy coverage and performance. In addition, if the policyholder fails to repay any insurance-backed loan pursuant to its terms, the loan could default, the insurance contract could lapse, and the policy's value could be forfeited.
Certain strategies seek to provide access to potentially tax-free withdrawals because loans are generally not considered income; however, you should consult with your tax advisor regarding the specific tax implications of any strategy. Tax implications are possible if a life insurance policy is sold or surrendered. Not all solutions suggested b ySecured Future are available in all states or jurisdictions. Please consult with your Secured Future representative and insurance agent for specific information about your needs.
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