Our practical and legally sound strategies will ENABLE you to:
- Guarantee that you'll never run out of income, regardless of how long you (and your spouse) live and in spite of what happens on Wall Street...
- Retain every cent of your hard-earned savings, even when the stock market dips, and make gains up to a certain cap when it increases...
- Access your funds at anytime (even before you reach age 59-1/2) and transfer any remainder to your heirs, completely income-tax free...
- Reduce or completely eliminate the tax on your Social Security checks...
- Protect your hard-earned savings for your family, should you need to apply for Medicaid somewhere down the road ...
Is the security of your retirement assets CERTAIN? Quite frankly, simply hoping or leaving things to probability is not a smart idea - it never has been and never will be. At the end of the day, you MUST be certain, plain and simple!
How much does it cost to meet with someone?
We'll not charge you for your consultation and analysis. Neither will we deduct any fees whatsoever from the money that you'll invest. There's NO CATCH and you will OWE NOTHING, regardless of whether you like our proposal or not. Yes, absolutely no strings attached!! Don't get us wrong, though, because we are not a charity. Rest assured, we're in business to turn a profit - and we do that by receiving compensation directly from the companies you select to implement your strategies. However, if you insist, we can always make an exception and bill you for our work - just kidding!
Why haven't I heard about most of these strategies? Are they even legitimate?
Everything we do is based on fact, existing law and the practical application of people just like you. Maybe you haven't noticed but the vast majority of those who are following "popular stuff" are ending up on the wrong side of the retirement dream. So the question here is: Would you rather be trendy and possibly end up a broke retiree, or atypical and set for life?
What process do potential clients go through?
We have a UNIQUE process! IRRESPECTIVE of your situation (even if you're already retired), we'll first perform a thorough review of your financial profile and future goals. Then, we'll provide you with a detailed, customized proposal (in plain English) that will show you how you can realize your desired goals. Next, we'll address all of your questions and refine your plan (if needed) before implementation. We hold yearly accountability meetings (without fail) to make sure that everything is progressing as expected - that's the most important step because this is where you see your retirement plans materializing.
Do I have to attend one of your workshops before I can get help?
Not necessarily. We educate our clients in a variety of forms, based on the specific circumstances of each client.
I live from paycheck to paycheck. How can you help me?
One of the neat things about our approach is that it is NOT income-based (but rather, asset-based). In other words, we'll show you a better way of getting the most out of your assets without spending an extra dime than you presently are. It does not matter what your income is, what your net worth is, or what your tax bracket is. Now, how cool is that?
Can you help me regardless of my state of residence?
Our firm as well as most of our financial professionals are licensed in multiple states. Please, don't hesitate to
contact us.
Are employer-sponsored plans like 401(k)s and 403(b)s really the best way to save for retirement?
Taxes that are deferred on qualified plans during the contribution and accumulation phases become due upon withdrawal and or transfer at death (at whatever tax rate will be in effect then). Let's break it down this way: There is a huge myth that when people retire they will be in a lower tax bracket. FACT is, there's no tax law on the books like that. Don't you find it interesting that the group of Americans who complain the most about being clobbered with taxes are retirees? However, did you know there are certain plans (in the U.S. tax code) that can provide completely income-tax free access to your money, as well as, transfer to your heirs upon death?
Is there a way to convert my qualified plan to a non-qualified plan?
It can be done! Several of our clients have strategically done that. But, we must caution you: that's not something you want to try at home. You definitely need the expertise of an experienced team of professionals with a track record.
Is it possible to protect my nest egg so that I don't lose anything when the stock market dips?
You bet! That is one of the things we're known for. Our clients do NOT lose a dime when the stock market plummets! So the good news here is that you don't have to wish for it anymore.
Is making extra principal payments the fastest way to pay-off a mortgage?
In our opinion, making extra principal payments, using bi-weekly payments or utilizing a shorter amortization (15 versus a 30-year) is NOT smart nor fast in most cases. None of these methods, in and of itself, will increase your net worth. We teach a smarter method that'll help you to achieve a paid-for mortgage in the fastest and most tax-efficient manner.
What characteristics must a good investment have?
In our opinion, a prudent investment should possess three characteristics: The ability to access your money swiftly when the need arises. It must be safe - as in, guaranteed not to lose your investment. And, it must generate a decent return, as well.
How come I don't see Laser Financial Group's name on any financial product?
We don't own any product. We made this choice (deliberately) because we don't want to be biased toward any specific product. We think it's much better to focus on recommending the most suitable product to meet the specific need of each client, instead of making a (preselected) product fit everyone.
How about career opportunities with Laser Financial Group?
We are open to working with properly trained, experienced, licensed, and honest individuals. OR individuals who desire to enter the financial industry and are willing to obtain the required license(s), have high integrity, and the desire to always do what is best for others. Such individuals are welcome to review our
code of ethics, and then
contact us.
