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CD Rollovers

As interest rates are often changing, it’s time to work with the TRLS team to rollover a Certificate of Deposit (CD) if you have one that is nearing its maturation date. It’s important to know that your financial institution may automatically rollover your CD at the end of the term unless you request otherwise. Your bank should advise you when your CD ends and if there’s an option to renew.

To ensure you’re making the best financial decision, compare rates before you rollover or renew a CD. The interest rate isn’t guaranteed to be that same, so it’s worth investigating other options. We can answer your questions about interest rates and help you decide which option is best when it’s time for a CD rollover.

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Infinite Banking System

Never borrow money again when you work with the TRLS team to choose an infinite banking systems solution that allows you to become your own bank.

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Guaranteed Income For Special Needs

Our professional team understands that if you care for loved ones with special needs, those family members will need to be cared for once you’re gone. You can have peace of mind as we walk you through the steps of this permanent insurance protection that guarantees income to those family members after you’re gone.

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Small Business Life Insurance

There are two different types of life insurance you need for your business. Key Man insurance is needed on the “key” people behind the company’s success – owners, founders, or top employees. A Buy-Sell Agreement is needed in any business, no matter that size, to know how to handle (and avoid) financial and tax problems in the event the owner dies, can’t work anymore, divorce, bankruptcy, sale or retirement. While Buy-Sell Agreements are vital for businesses with more than one owner, all businesses should consider it to prevent inner-family turmoil and the business’ collapse.

  • Key Man Insurance – Covers the monetary loss when the insured individual is not able to work or run the business. This policy also covers losses associated with hiring temporary employees, recruiting and employees training, compensating lost sales, and any guaranteed business loans.
  • Buy-Sell Agreement – Allows the business to continue in the event of a partial-owner’s death, retirement, or exit from the business. The agreement details the price the other business owner(s) will pay to purchase the departing owner’s percentage of the business. The policy’s death benefits go toward the purchase price.

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Estate Planning

At TRLS, we recognize that you’ve worked hard for your property and savings, so when it comes to estate planning, our team of specialists works directly with you to develop a plan that suits you and your family.

Our team will work to find you the most tax-efficient way to execute your estate plan. From beneficiary documents to insurance specifics, our team is dedicated to making sure what you plan in your will is precisely how the estate is executed.

We will develop a continuity plan to make certain that your loved ones are taken care of while your estate processes through the courts. The goal of estate planning it to give you and your loved ones peace of mind that a sound financial plan is created and will be executed efficiently when needed.

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Single Premium Life Strategies

Single premium life solutions are likely the right fit if you have wealth that you want to leave to family and do not need to live on the money in your Golden Years. A single life product is used to transfer wealth and is alluring because of its accelerated benefits and tax favorable treatment. Some even offer first-year bonuses.

These products are often viewed as an annuity alternative that come with a tax-free wealth transfer to your beneficiaries, as well as accelerated benefits for terminal illness, long-term care or home healthcare.

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Annuity Reviews

Planning for retirement isn’t complicated or intimidating with the TRLS team. As you consider additional tax-savvy ways to save for retirement, our professionals can introduce you to an array of retirement annuity solutions that fit your specific needs. We’ll review your current annuity to ensure there’s not a more fitting, cost-saving solution available.

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Social Security Maximization

As the age for retirement steadily increases in the U.S., you may be considering the best time to start receiving your Social Security benefits. There are benefits and difficulties to delaying your benefits as well as receiving them as soon as you’re eligible – age 62. The TRLS team can walk you through how Social Security benefits work and determine the best time to file for your benefits.

A positive aspect to delaying your Social Security benefits is that the government agency will pay you an additional 8 percent for each year beyond your expected retirement age, up to age 70. Normal retirement age was 65 for many years, but after Congress determined people were living, and working, longer, revisions were made. Now, for people born in 1938 or later, the normal retirement age gradually increases until it reaches 67 for people born after 1959. Determine your normal retirement age.

The advantage of filing for your Social Security benefits early is seen most often in married couples. If one spouse retires early on reduced benefits, the partner can then file for spousal benefits on the other’s account. Then, upon reaching age 70, the partner can switch to their own, now larger, Social Security account. The TRLS team can help you and your spouse determine how this scenario would work for you, given your ages and individual incomes.

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Universal Life Insurance

Universal Life Insurance offers more flexibility as life changes. While universal life is typically used for estate planning and to cover your family’s expenses in the event of your passing, you do have the ability to make changes along the way. You can change your premium or coverage amounts over the course of your life. Universal life is designed for lifetime coverage.

Details to know about whole life insurance:

  • Possible to earn dividends
  • Ability to increase / decrease your death benefit and premium
  • Access to cash value through insured’s lifetime
  • Able to accumulate cash value that increases over time on a tax-free status
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Whole Life Insurance

Whole life insurance is a permanent policy that covers you for your entire lifetime. Whole life is typically used for estate planning and protecting your wealth, as your assets are transferred to a beneficiary. Whole life does have higher annual premiums than term life coverage, but the costs don’t increase as you age, so it can effectively cost less over one lifetime.

  • Able to accumulate cash value that increases over time on a tax-free status

  • Access to cash value when you need it

  • Possible to earn dividends