www.taxfreecia.com Social Security is forecasting that with our negative inflation, no increase will be given to Social Security programs. Knowing that our economy will always have ups and downs it is important to plan for one’s own retirement safety nest egg. The earlier you start planning for your future the brighter your future will look. To help you start planning for your future call us at 1800-721-2718 or check out our web site at www.taxfreecia.com we are here to help ease the stress of retirement and have retirement be something to look forward to again.

While finances have been a touchy subject for many working couples it now seems that couples have different views in regards to their “golden years” as well. A recent retirement study showed that many couples are having a harder time agreeing on what age is a good age to retire. Or whether they should work during retirement or they even have differences in how they view the sort of life style they will have once they retire. Ideally, it is smart to stay on the same page and start saving and working together for the future.  To help answer this any many other questions feel free to call us at 1800-721-2718 or check out our web site at www.taxfreecia.com we are here to help ease the stress of retirement and have retirement be something to look forward to again.

After an unfortunate economical downturn many baby boomers are finding themselves calling their 401K plans 201K plans. Many people are growing more and more worried about how they will be able to obtain the same income protection they had while they were working. With their assets not what they used to be many worry that they may not have enough money to last their lifetime. Yet, with a new life insurance policy, they will learn that they can still retire and be able to maintain the same lifestyle they had when they were working. What are some of these options one can take when approaching retirement? To answer this any many other questions feel free to call us at 1800-721-2718 or check out our web site at www.taxfreecia.com we are here to help ease the stress of retirement and have retirement be something to look forward to again.

In the August 2009 issue of Insurance New Net magazine John F. Gephart talks about what most small business owners are experiencing. Trying to hold on to and recruiting talented key employees while not being able to offer the same benefits that Fortune 500 companies can provide. Gephart says that “an alternative strategy for small business owners to consider a cost-effective retirement benefit is nonqualified deferred compensation, which is typically funded by life insurance”. Originally, the plan was targeted by  Congress in 2004 with the enactment of IRC Section 409A to shut down perceived plan design abuses by major corporations, deferred compensation remains a powerful tool for small business owners. If you would like to receive more information on how we can help you visit our website at www.TaxFreeInformation.com or give us a call at 760-476-1535 Contact us for a personalized consultation, absolutely FREE.

In the August 2009 “Insurance News Net Magazine” we agreed with Chris Conklin article The Roth Umbrella. We have all heard that high-income clients pay substantial income taxes each year. According to the Internal Revenue, the top 10 % of earners pay for more than 70% of all federal income taxes.  It is no surprise that these high-income clients are interested in ways to shelter their income, both now and in the future.

We at Celestial Insurance provide ways for these clients to put aside money for retirement and to avoid all income taxes on the growth of that money. If you would like to receive more information on how we can help you visit our website at www.TaxFreeInformation.com Contact us for a personalized consultation, absolutely FREE call us at 760-476-1535 today!

In today’s economy insurance is a major component of our financial system. In 2008 the insurance industry reported 5.7 trillion dollars in assists compared to 15.8 trillion dollars from the banking industry. There are about 2.3 million jobs in the insurance industry, which makes up almost a third of all financial sector jobs.

 So as you can see insurance is a major part of our economy, that is why many individuals are turning to insurance products as a retirement vehicle.

 For more information, please visit our website at www.taxfreeinformation.com. We look forward to creating a customs plan to help you retire safely and comfortably. You deserve it, let us help!

Higher education has become a symbol of the American Dream. Most careers will require that you have at least some college education and it has been proven that more education usually equals better opportunities and quality of life. As a parent, you’re probably eager to provide your child with these opportunities. Perhaps you have a son or daughter that’s in college, thinking about going to college or still in high school. You may also know someone that can benefit from this valuable information. 

I’m going to give you three secrets that anyone can use to benefit from money for college. Pay close attention as this could save you $5K or even $100K plus off the college bill:

1. The more expensive the school the more money available to the student. Don’t be afraid to apply to any elite college or Ivy League school.
2. If your son or daughter works the year before attending college, don’t let them make over $3k. For every dollar over $3k the student will be penalized about 50% so they basically would be working for free.
3.  Most parents worry about money for college, but the key to getting maximum financial aid is to have your finances in the right place. If you manage your finances wisely your child can receive better benefits and not be penalized for your actions/income.

We can help you build your child’s dream of a college education. Please contact us for a free consultation or attend any of the FREE College funding workshops we provide. It’s your child’s future; don’t let money be an obstacle. For contact information, please visit our website www.taxfreeinformation.com. To sign up for a workshop, call us at 800-213-5442 ext. FREE (3733).

Many people have access to a program that provides tax free retirement income, but choose not to use it. Most Americans use retirement programs such as 401K, 403B, IRA and many others that are similar. However, have you taken a real close look at what those programs provide? All of these programs have one thing in common: Tax deferral which I call Tax delay.

The real question you should ask yourself is: Will the taxes be lower, the same or higher in the future? My vote would be on higher. If that is the case and while using one of these programs you’re able to save $1M, your partner, the IRS would get a minimum of 35% or $350K. Is that really a benefit?

What if we could show you a program where you can keep every dollar of those million dollars and then some? Would you be interested? If so, contact us for a free consultation. We can design a program specifically to fit your needs. After all the ultimate goal is to retire in style and that would mean having enough money to last you through retirement.

For more information, please visit our website at www.taxfreeinformation.com. We look forward to assist you in preparing for a safe and comfortable retirement. You deserve it, let us help!

According to reports from the Pew Research Center, nearly 10 million boomers are now raising children or supporting an adult child while caring for an aging parent. The needs of these boomers are quite literally “sandwiched” between their parents and their children’s needs. This can be a stressful situation for many and that is why Celestial Insurance Agency is here to help.

For these Sandwich Generation Boomers, planning for their parent’s care, their own retirement, and their children’s future can put them in a financial bind. We know every situation is different, which is why we customize our services to fit your very own personal situation. We can work with you to find the programs and plans that make more sense to your financial wellbeing. Please contact us for more information. Visit our website at www.taxfreeinformation.com.

No matter where you thought you were on the road to retirement chances are recent market changes have been an upset. There are steps that you can take to get your retirement back on track. These are five strategies you might want to consider.

1. Look for a place to park your money where you don’t risk losing your principal
2. Invest with growth in mind.
3. Consider delaying your retirement or extending your career time.
4. Work part-time or create a lifestyle business
5. Maximize your social security benefits before the money runs out.

If you need help implementing any of these steps or if you would like more information on how to optimize your retirement, please contact us. For contact information and more, please visit www.taxfreeinformation.com.