Building on rock-solid foundations allows our clients to grow their money with confidence, tax-free.
It’s not magic, it’s math.
See for yourself.
The Flex Method is, flexible— we use a step-by-step process designed to amplify the growth, income and protections of insurance policies.
We call it the Flex Method because it is a strategy that has the ability to use leverage when it is beneficial but is easily adaptable enough to remove the leverage as soon as it is not.
We build these policies so that they can stand on their own if financing is never utilized but can be leveraged when conditions are right. This is a unique characteristic of the Flex Method and one of the most compelling.
Wouldn’t it be nice to not be locked into a strategy that is unable to adapt to market changes? How does the flexibility feature affect your peace of mind?
Accessibility – “Liquidity” in investment terms, knowing that your money is available whenever you need it, is a big deal.
It gives you the flexibility to adapt and adjust to life’s twists and turns. It allows you to take advantage of better opportunities when they arise. Liquidity prevents an urgent need for cash from becoming a disaster of forced selling at unfavorable prices.
Liquidity is always wanted, but when it’s paramount, even temporary fluctuations in value can cause you to lose money if the need comes at just the wrong time.
How would you like to be able to access your money at any time, but still get great returns? What would that allow you to do with your cash reserves? The money that is in between projects?
While we see tremendous opportunity for strong cash value performance, the reality is that cash values are only one component of life insurance.
The most important benefit of life insurance is the protection for your loved ones and charities. The Flex Method helps make those protections not only affordable, but scalable. We see a much more compelling reason for people to use life insurance for what it provides for them while they’re alive, in addition to the very meaningful things that they are able to accomplish when their time finally comes to an end.
No other asset is worth significantly more when the owner dies. Other benefits regarding taxes, income and estate planning may each be significant as well.
Including the Flex Method in your portfolio opens up a world of possibilities. It also allows you to be a smarter, more patient investor.
Volatility – Fluctuations in the value of your investments doesn’t just create heartburn. Volatility is a sure recipe for poor emotional decisions. One response is to try and time the fluctuations, hoping to make more from what seems to be a somewhat predictable up and down movement. Unfortunately, like a casino, more lose than win. Those that do win end up becoming overconfident, develop a taste for the excitement and eventually they end up making less. Timing the markets is a losing game.
How would you like to not have to worry about fluctuations?
Stability – Modern life insurance has changed very little since the 1840’s. For over 160 years, life insurance companies have flourished through multiple global wars, unprecedented bank panics and Wall Street crashes. It is America’s #1 LEGAL domestic tax shelter used by millionaires and banks every day. Banking regulators treat life insurance cash values as a Tier 1 asset, meaning it is on par with cash and cash equivalents. Why? Because the stability and predictability of life insurance companies are unmatched in the financial world and these cash values are accessible at any time and guaranteed by the insurance companies that issue them.
While the death of any one person is impossible to predict, life insurance companies are very accurate when estimating the average lifespan of a pool of thousands of people. This means that life insurance companies can estimate what their policies may be worth over time as well as provide minimum guarantees of value.
Most of the policies that we use are not only guaranteed to not go down in value, they’re guaranteed to grow at a minimum rate and announce each year ahead of time a non-guaranteed dividend. This allows us to run an illustration that will tell us very precisely how much we will earn before the year even starts! Why would that be so exciting? Because with that information, we can know how much, if any leverage we should apply. This means we have high potential returns when applicable and under leveraged, steady modest returns when it does not. Even more simply put, we make a lot more money without losing the safety of one of the world’s safest assets.
As an instrument for investing, there are very few programs (if any) that can offer the stability and strength that the Flex Method offers.
How would knowing the outcome each year in advance help you make decisions? Sleep at night?