Our Unique Solution

You followed your financial advisor's advice - so why did you lose so much of your retirement fund?

Common Myths

• Set aside money by utilizing a well-diversified "qualified plan" such as an IRA, 401(k), or 403(b). Pick the right percentages of stocks, bonds and cash equivalents. Maintain a "long-term focus" and totally ignore the short-term ups and downs. And you're bound to have a respectable nest-egg at retirement?
• Meanwhile, be sure to make the highest possible down payment on your house and strive to eliminate the mortgage quickly by paying extra principal payments, using bi-weekly payment options, and/or a 15-year amortization instead of a 30-year or "doubling the principal" method.

Laser Financial Group's Common-Sense approach is based on:

(1) FACT   (2) EXISTING TAX LAW   (3) PRACTICAL APPLICATION

Solution for your Stock Market Risk Problem:

We advise and help our clients to implement a more stable, less volatile strategy that links their investments to a stock market index, participating in its gains up to a predetermined cap, with a contractually guaranteed minimum interest that locks-in gains from year to year.

We prefer the downside protection such a strategy offers, without sacrificing the opportunity for decent stock index-based returns during the good years. Consider how you would have felt if your account did not lose a penny in 2008 for instance, although the S&P 500 index plummeted in excess of 35 percent? Instead you earned a contractually guaranteed interest. And, your new account value - including the interest - is locked-in? And, whenever the stock market index gains, your account also gains - up to a cap?

Solution for your Income Tax Problem:

We want you to have access to your funds on a tax-free basis (including the gain) without having to wait until age 59-1/2, without IRS penalties, and without being obliged to repay it. Additionally, there are no "Required Minimum Distribution" rules to meet at age 70-1/2.

We will show you how to avoid the tax on up to 85 percent of your Social Security benefits. And, transfer any remaining funds to your heirs, income-tax free.

Solution for your Mortgage Debt Problem:

We teach a superior, faster, smarter approach to having your mortgage paid-for while maintaining liquidity, safety, and maximized tax favorability - without increasing your current spending.

Plus You'll Experience Our World Class Service:

You'll have direct access to licensed professionals committed to maintaining the highest integrity and putting your interests first.

We do not believe in a "one-size-fits-all super product approach" to financial planning. As a result, we will help you to review your various options so you can make the best choice.

We hold ourselves, accountable! On each anniversary, we will review your plan with you to ensure it is on track and that all expectations are being met.

We employ a balanced approach that ensures that you optimize all of your assets.