• Prudent, tax, modified-AGI, creditor, lawsuit and probate advantaged environment

• Virtually immune to market and credit losses, yet linked to index market's potential up-legs only

Minimum safety-net guarantees coupled with tax and legal immunity options to your overall financial portfolio allow you to plan for a sustainable retirement and legacy needs.

The most important part of our business is helping You prepare for the future. At E-Choice Insurance Services Inc, striving for your sustainable peace and joy is the driving force of our practice!

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Value Oriented Legacy Planning: Personal, Estate and Business*

Overview:

• Huda's first TV show: Concerns for Retirement briefing
• "Safe Money Places"
• History of Annuities
• "Are annuities safe?"
• How fixed life/annuity companies generally manage their consumers' monies
• "Five Year Index Annuity Returns Very Respectable In A Disrespectable Time"
• "Real world FIA returns"

• "Annuity awareness low...": According to this Fidelity Investment's survey together with Huda's, it's extremely low even among those financial professionals who think know annuities.  Why is this lack of knowledge our risk exposure?
• Value Investing & Macroeconomics analysis: Shiller's S&P 500's historical performance from 1870 to current 
• Bob Shiller, Yale University's Econ 252 mps3 downloads.  Below is a must watch:
• The Universal Principal of Risk Managmgement: [Note: geometric concept closely matches that of fixed annuity concept where the principal is safe from losses while the interest gained may fluctuate subject to the terms of each policy's protocols; however, Shiller seems to be unaware that "geometric returns" can be higher than "arithmatic returns" with fixed index annuities.  Click on "Five Year Index Annuity Returns Very Respectable In A Disrespectable Time" to read more.]
• Jeremy Grantham
• ""Grantham and his team searched for every historical bubble worldwide in stock markets, currencies, and commodities; they documented 27. They found that in every correction, all the gains from the bubble were completely wiped out before a new bull market began. "It's an impeccable record," he says.""
• Market analysis

Sustainable Asset Management trends:

• "People buy FIAS [fixed index annuities] for safety of principal": Response to SEC's 151a
• Why shelter already tax-sheltered retirement monies 
• "Annuities provide security during economic downturns"
• "Tell the Tax Man He'll Have to Wait: Accomplish All Your Estate Planning Goals in a Single Step--With a Private Annuity"  [The article is on page 5 of 16.  Written by a JD.]
• "Asset protection planning with Swiss annuities and life insurance": [Note, properly positioned policies within a handful states in the U.S. can have similar benefits.]
• Hate to miss -out on the Boom, but want to lockout the Bust?
• "Index annuities and dividents:what brokers don't want [you and] your clients to know" 
• Presentation on fixed index annuities
• Legacy planning needs
• Life insurance rulings
• "A Case for 'Income Annuities'"
• American Annuity Advocates: Very insightful info on the power of properly positioned fixed annuities 
• "Court....index annuities may not be treated as securities in  2011...."
• "International private placement life insurance": [The author seems to be uninformed that "insurance counselors" are about the only professionals authorized to give independent portfolio advice in relation to life and health insurance policies--this includes variable financial insurance products such as variable life and annuities.  Typical financial brokers, attorneys and even sales oriented insurance agents are not licensed to offer "insurance advice" unless they are licensed "life and health insurance counselors".]
• Case Study 1:  "Ken Lay's Nest Egg"
• Case Study 2: "ASSETS & VALUES: Bernanke's holidings show he values careful investing"
• Case Study 3: "Bear Market Retirement" [Here's an example of fixed annuity owners expressing the peace of mind they enjoy knowing their principal is safe from negatively-compounding effects.]
  
  Some of the many monetary policy's safety-net aspects of fixed life/ANNUITy CONCEPTS
• "The Transition into Retirement"
• Index Annuity Resource: Articles
• ""STATE REGULATORS: AIG INSURERS. ABLE TO PAY CLAIMS. State Solvency Standards Protect Policyholders. ...The insurance subsidiaries are solvent and able to pay their obligations. In fact, it will likely be the insurance subsidiaries - or their valuable blocks of business and high- quality assets - that will be sold in an attempt to return the AIG parent company to a more stable financial position....""
• "....AIG's insurance companies are solvent and able to honor policyholders' claims...."

• Key person(s) planning
• Tax efficient and smooth distribution of assets
• Prudence and safety of your nest egg
• Portability or continuation of the safety-nets built within pension benefits: income, death benefit and health care insurance guarantees
• Beneficiary and potential care-taker planning
• Appropriate Wills and Trusts
• Income continuation strategies, for personal and or business, needs
• Provide for your loved ones in case of serious illness, injury and death
• Minimize and or avoid Probate exposure
• Establish emergency monies
• Plan to prudently fund short term and long term expenses: this includes long term care, mortgage, car payment, college fund [part 1 and part 2.  These links provide detailed articles by "The CPA Journal".  ...note that 72t withdrawal option of properly positioned annuities can eliminate IRS' 10% early withdrawal tax penalty.  Advising on legal benefits and taxation of insurance policies should best be left to qualified and licensed insurance counselors.  It would be extremely helpful to the public if the insurance regulators begin to specify penalties for non-insurance licensed individuals or entities that offer insurance advice.]
• Asset transfer strategies
• Medicare and Medicaid planning

Summary: 

There are many different types of annuities.  ANNUITy concepts can be wrapped within the income-based cash value life insurance policies, or even wrapped with long term care related benefits with additional tax-favors, combination thereof, and as a stand alone as income and or CD-annuities.  CD-annuities can build liquidity as any cash accounts.  The right one(s) depends on your overall and specific needs as well as your eligibility and or the availability of the product(s) to you. Consult with your insurance counselor to learn more.

*Note: According to Texas Department of Insurance only licensed life and health insurance counselors can offer independent insurance - guaranteed safety-net related - portfolio counseling services. 

Huda is a licensed life and health insurance counselor.  Rely on the insight of state licensed and qualified insurance professionals for your guaranteed and safety-net counseling needs.  We encourage you to contact qualified and well rounded professionals who represent multiple top rated carriers to learn the real power of guaranteed safety-nets that may be available to you within the life and health insurance industry.  Here, we have provided you enough stepping stones to hopefully awaken your conscious and desire to learn more.  You must continue to believe and search until you find the information to your satisfaction.  If you can imagine it, there is probably someone else who have already built or at least began the stepping stones of your imagination.  If not, you might just be the missing spark needed to begin a unique trend.