Hey there twa family, welcome to our
SECONDARY MARKET
yet another competitive advantage..
The markets below will describle the Secondary Market Service in 3 ways..
1) A description of the Specific Service
2) Why it matters for our clients?
3) Who it's good for and what to look out for
Annuities, Including Retirement (Qualified) and Non Retirement (Non-Qualified)
Description:
Annuities are financial products that provide a steady income stream, typically used for retirement planning. Qualified annuities are funded with pre-tax dollars and grow tax-deferred, while non-qualified annuities are funded with after-tax dollars, with tax-deferred growth on earnings.
Why It Matters:
Annuities offer a predictable income, helping clients manage longevity risk and ensuring financial stability during retirement. They can also provide tax advantages and customizable payout options. Additionally, using indexing for accumulation allows for market-linked growth without direct exposure to market downturns, providing the potential for higher returns while minimizing the risk of loss compared to traditional market investments.
Who It's Good For:
Ideal for individuals nearing retirement, those seeking tax-deferred growth, and anyone looking for guaranteed income with growth potential through indexing strategies. Consider potential fees and surrender charges.
Wills and Trusts
Description:
Wills and trusts are legal documents that manage the distribution of assets after death. A will outlines how assets are distributed, while a trust allows for the management of assets during and after the grantor's life.
Why It Matters:
They ensure that a person’s wishes are honored, reduce family disputes, and can minimize estate taxes and probate delays.
Who It's Good For:
Essential for anyone with assets, dependents, or specific distribution wishes. Regular updates are necessary to reflect life changes.
IUL Velocity Investment
Description:
This strategy uses the cash value in an Indexed Universal Life (IUL) policy to create positive arbitrage by borrowing against the policy at a low interest rate and investing in higher-yield external vehicles, with returns reinvested after 12 months.
Why It Matters:
It maximizes cash value efficiency, potentially generating higher returns without liquidating the IUL, maintaining life insurance coverage while leveraging investment opportunities.
Who It's Good For:
Individuals and savvy investors looking for advanced wealth strategies. Requires careful management of loan costs and investment performance.Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Residential / Property Claims
Description:
This service streamlines property insurance claims through a system where public adjusters and attorneys work with a hedge fund that assumes claim risk, offering a no-risk, performance-based guarantee.
Why It Matters:
Clients receive expert claim handling with no upfront costs, reducing stress and improving claim outcomes.
Who It's Good For:
Homeowners facing complex insurance claims. Additionally, this is good for property owners who seek to rebuild faster as the Hedge fund assumes and funds the risks prior to the Insurance Company settling the claims.
Property & Casualty
Description:
Covers physical assets and liability risks for individuals and businesses, including auto, home, and commercial insurance.
Why It Matters:
Protects against financial losses from accidents, natural disasters, and lawsuits, providing peace of mind.
Who It's Good For:
Everyone, particularly business owners and property owners. Review policy exclusions and coverage limits.
Medicare / ACA (Individuals and Families)
Description:
Medicare provides health coverage for individuals 65+ or with certain disabilities. ACA offers affordable health insurance options through government exchanges.
Why It Matters:
Ensures access to essential healthcare services, reducing financial strain from medical expenses.
Who It's Good For:
Seniors, disabled individuals, and those without employer-sponsored health insurance. Important to understand coverage options and enrollment periods.
Business Owned Policies, Including Key Man, Split Dollar / 162a
Description:
Key Man insurance protects businesses against the loss of key personnel. 162a Executive Bonus Plans use life insurance as an employee benefit funded by the employer.
Why It Matters:
Safeguards business continuity and helps attract and retain top talent through strategic benefits. Key Man policies allow the business to create a Deferred Compensation structure for the "Key" Employee protecting both the business and helps with retaining the employee with the business. 162 a offers a combination of "Golden Handcuffs" as it is a benefit for both parties where the business provides premium payments as "Bonus Income" to the employee and the employee retains full ownership of the policy.
Who It's Good For:
Business owners and executives. Consider tax implications and policy structures.
Business Qualified Retirement Plans (For Business Owners)
Description:
These are employer-sponsored retirement plans that meet IRS requirements for tax benefits, including 401(k)s, SEP IRAs, and SIMPLE IRAs.
Why It Matters:
Provides retirement savings opportunities with tax advantages, attracting and retaining talent while reducing taxable income for businesses.
Who It's Good For:
Small to large businesses aiming to support employee retirement savings. Understand contribution limits, administrative requirements, and fiduciary responsibilities.
Group Health AD&D, DVH
Description:
Provides health insurance, accidental death & dismemberment (AD&D), and dental/vision/hearing (DVH) coverage for groups, typically offered by employers.
Why It Matters:
Enhances employee satisfaction and retention while managing healthcare costs.
Who It's Good For:
Small to large businesses. Evaluate cost-sharing options and employee needs.
Life Settlements (Purchase)
Description:
Investors purchase life insurance policies from policyholders, becoming the beneficiary and collecting the death benefit when the insured passes.
Why It Matters:
Offers attractive returns uncorrelated with traditional markets.
Who It's Good For:
Accredited investors seeking diversification. Assess policy risk factors and longevity estimates.
Life Settlements (Sell)
Description:
Policyholders sell their life insurance for a lump sum, often more than the cash surrender value but less than the death benefit.
Why It Matters:
Provides immediate liquidity for policyholders who no longer need or can afford their policy.
Who It's Good For:
Seniors and Policyholders with Moderate to Severe health conditions. These individuals either no longer have the need for the policy or would rather sell their policy in exchange for Cash.
Research and Develpment (Tax Review)
Description:
Identifies tax credits for businesses investing in R&D activities, reducing tax liabilities.
Why It Matters:
Frees up capital for reinvestment and supports innovation.
Who It's Good For:
Companies in tech, manufacturing, and science sectors. Ensure proper documentation.
Tax Savings, Section 179 / 181 (Highly Compensated Individuals and Businesses)
Description:
Section 179 allows immediate deduction of business equipment costs. Section 181 offers deductions for film/TV production investments and expenses.
Why It Matters:
Reduces taxable income, improving cash flow. While other CPA Firms struggle to offer fluidity in this bonafide tax strategy, TWA has secured a CPA firm who is World Class and is the Gold Standard for this much needed service.
Who It's Good For:
Small businesses and Highly Compensated Individuals who may have the need to reduce their tax liabilities.
Private Placement Investments
Description:
Non-public investments in private companies or funds, offering opportunities beyond traditional markets.
Why It Matters:
Access to exclusive investment options with potential for high returns.
Who It's Good For:
Accredited investors. Review risks and lack of liquidity.
Mergers & Acquisitions
Description:
Facilitates the buying, selling, or merging of companies to enhance growth, efficiency, or market share.
Why It Matters:
Drives strategic growth and competitive advantage.
Who It's Good For:
Business owners seeking expansion or exit strategies. Conduct thorough due diligence.
Residential / Commercial Real Estate Loans
Description:
These are loans provided to individuals or businesses for purchasing residential or commercial properties. They come with varying terms, interest rates, and repayment schedules.
Why It Matters:
Facilitates real estate acquisition, supports business growth, and provides leverage for investments while preserving liquidity.
Who It's Good For:
Homebuyers, real estate investors, and business owners seeking property for operations. Consider loan terms, interest rates, and qualification criteria.
Business Funding
Description:
Provides capital through loans, lines of credit, or equity investments to support business growth.
Why It Matters:
Enables expansion, operations, and innovation.
Who It's Good For:
Startups and growing businesses. Consider interest rates and repayment terms.
Entity Creations
Description:
Establishes legal business structures (LLCs, corporations) tailored to operational and tax needs.
Why It Matters:
Protects personal assets, optimizes tax strategies, and formalizes business operations.
Who It's Good For:
Entrepreneurs and new businesses. Choose the right structure for liability and tax benef
Personal Banking
Description:
Offers financial services like checking, savings, loans, and credit for individuals.
Why It Matters:
Facilitates money management, savings growth, and access to credit.
Who It's Good For:
Everyone. Compare fees, interest rates, and service quality.
Business Banking
Description:
Provides specialized financial products for businesses, including accounts, credit lines, and merchant services.
Why It Matters:
Supports cash flow management, credit access, and operational efficiency.
Who It's Good For:
Business owners of all sizes. Evaluate service offerings and fees.
