Your Financial Team
Dedicated To Your Success
Financial Solutions for the 21st Century
Robert R Wright & Associates is an independent financial strategy
firm which prides itself on unparalleled service and performance. We
are committed to providing unbiased advice and prudent strategies for
investing and insurance. Our services are always tailored to your
unique needs. We provide Kentucky business owners, professionals and
individuals with estate planning, risk management, cash flow analysis,
investment management, life insurance, health insurance, annuities and retirement planning. As independent agents,
we serve you without compromise. Because our goal is to improve your quality of life by helping you have more spendable income before and after retirement.
Are your bank CDs earning 5% or more?
Do they have a guaranteed interest rate for life?
Do you pay taxes on the interest your investments earn?
Are you sick of watching helplessly while your stocks, bonds, and mutual funds lose value?
We know rates are important, we all want to get the best rate, so here's an easy question.
If your bank is offering you 3% taxed interest and you can get 5% tax-deferred interest with equal safety, why do you still have money in the bank? (don't expect your banker to tell you this)
Just How Important Are Taxes? Consider the following example - assume the same interest rate for both investments just for illustration purposes. Assume $100,000.00 is invested in both a taxable and a tax-deferred account at 5% for 20 years and no withdrawals are made. Also assume that the owner is in a 35% tax bracket.
In 20 years, the tax-deferred account would be worth $265,329.64, versus the taxable account worth only $111,438.48 - a difference of $153,891.19! The taxable investment would have had to return over 8% just to break even.
Contact me today to learn how you have a tax-deferred account, because you don't want to pay any more taxes than you have to.
How Important Is Protection Against Loss? People with money in stocks, bonds and mutual funds can take years to just recover from a loss.
But what if you could participate in the market gains with none of the set backs? If the market goes up one year, you get the gain. But if the market goes down the next year, you don't lose one cent. Then when the market goes up again, you get the gain without having to make up for any loses. What would that be like?
Again assume two $100,000.00 investments for five years. The first investment is in a mutual fund. The second is in an account linked to (not in) the Stock Market. Thats a very important difference.
Lets say the first year, the market goes up 12%, now both investments have $112,000.00 so far, so good.
However, the second year the market is down 18%, now the mutual fund is worth $91,840.00 but the linked account still has $112,000.00
The third year the market regains 5%. The mutual fund is up to $96,432.00 But the linked account is up to $117,600.00
The fourth year the market is down another 8%. The mutual fund is down to $88,717.44 while the linked account stays at $117,600.00
The fifth year the market regains another 12%. The mutual fund has a value of $99,363.53. while the linked account is worth $131,712.00
Also the linked account is tax-deferred, the mutual fund may have been taxed.
(but don't expect your broker to tell you about these accounts, because he doesn't sell them)
Contact me today to learn how a linked account could protect your savings, because you don't need to gamble with your life savings to get a good rate of return.
Annuities are among the safest, most secure investments available. Many large corporations, religious institutions and well-paid individuals depend on annuities to secure their retirement funds. Annuities are financial products which offer the tax advantages of an IRA without the limits and restrictions of an IRA. However, you may utilize an annuity for an IRA or 401k. There are fixed annuities, indexed annuities and variable annuities. But use caution: with two of these, your principal and accredited interest is protected and absolutely guaranteed to never lose any value, while with one your principal is at risk of total loss. 100% of the annuities we sell are guaranteed to never lose value. With all annuities your money earns tax-differed interest, and you aren't limited to how much you can contribute or when you take withdrawals.
You can get money from your annuity when you need it. When you are ready to take income from your annuity, or if you want an immediate annuity you have several options, you can take a full withdrawal or payments for a period which you choose. And annuities are the only investments which offer payments guaranteed to last a lifetime. Annuities are also protected from most creditors, lawsuits and judgments in many states. With attorneys lined up waiting to sue anyone for any reason, asset protection can be very important. Also death proceeds from annuities usually by-pass probate.
We write annuities through several of America's largest and strongest financial institutions so you can rest assured your money will be there when you need it.
Rates can change daily, and there are hundreds of different annuities with different rates, terms and provisions giving thousands of combinations. So we constantly monitor dozens of major U.S. companies to give you the best and most current information. Contact Me Today. Because you will get personal, professional service and independent expert advice with no obligation.
Are you paying too much for Life Insurance?
How much Life Insurance do you need?
Do you have enough Life Insurance to provide the needed income protection for your family?
Is your Life Insurance a Term policy which will expire worthless, or a Universal Life policy that is running out of cash value?
How can Life Insurance provide tax-free retirement income?
How can I stop paying for Life Insurance when I retire?
What is investment grade life insurance?
We can help you answer all these questions, and more. I have associates who are experts in investment grade life insurance. We can tailor a plan which will give you the proper protection and add tax-free income for your retirement or any other need you may have. With a cost that is usually lower than term insurance. You may even be able to get the IRS to help pay for it. Contact Me Today because not many agent offer these policies.
If you own or are thinking about buying Term Life Insurance, read my special report on Some Facts About Term Life Insurance (what your agent may not tell you)
Health Care Insurance is critical to sound financial planning. Uncovered medical bills can quickly deplete a person's savings and result in bankruptcy. Health insurance can be expensive, but there are affordable ways for most people to be protected. Even if you have current coverage you may be paying more than necessary. Most people assume that coverage under an employer's group policy cost less than an individual policy, but that isn't always true. A healthy person can often find better rates than going through an employer. And if you lose or change jobs, you don't lose your insurance.
A Health Savings Account is a good financial strategy for many people. Health Savings Accounts offer low rates, broad coverage and great tax advantages. With a Health Savings Account, Uncle Sam will help pay for your health care. Read my report on Affordable Health Care or Contact Me Today for a FREE no-obligation phone consultation and advise on the features and benefits of the different kinds of policies. I can then e-mail you a customized quote and assist you with an application if you like. Or you can click on the link for an instant quote and on-line application.
Contact me today, because statics show that over 70% of Americans retire below the poverty level, while only 10% are financially secure at retirement. Which group would you rather be in? When it comes to retirement, mortgages, insurance and investments most people are still doing the same things our parents and grandparents did in the 1930s. The trouble is, the financial world doesn't operate like it did in the 1930s. The rules of the money game have changed, and if you want to win the game, you have to know the rules. The banks and financial institutions, wealthy people and the IRS are playing by the new rules. Shouldn't you be too? If you do what most people do, you can expect the same results most people get.
We have considered each major investment group including real estate, stocks, bonds, bank CDs, life insurance, mutual funds, money market accounts, annuities, precious metals to see how each measured up to safety, rate of return and accessibility. Only a few selected products in two categories met all three criteria. To learn more about the levels of safety, rate of return, and liquidity of each investment group, ask for my FREE report, Alternatives To CDs and the Stock Market, (what your Banker and Broker don't want you to know). (currently under revision)
Because market conditions and rates can change daily and everyone's needs are different. My associates and I continue to monitor current market conditions and thousands of products from dozens of America's largest and safest companies.
Do you need to play "catch-up" on retirement but don't know where the money could come from? Are you a business owner or professional who would like to have a better funded retirement? You could be sitting on the money and not know it! We have advanced strategies for using dormant assets to fund your retirement account so the money doesn't come out of your pocket. If you qualify, we can create an arbitrage where your money does all the work, earning a lot more money. Ask for a free, no obligation consultation.
But in order to reach your destination, you first need to know where you want to go, when you expect to get there, what route you want to take, and what kind of vehicle you'll need. Some people like the slow scenic route, while others need to take the expressway. We can help you develop a financial road map and select the best vehicle to take you there.
If you want the safety level of bank CDs but want a better return than the banks offer. If you want the high earning potential of the stock market without the risk of loss of being in the stock market. If you want the advantages of an IRA or 401k without the IRS restrictions. In other words, if you want safety, high potential rate of return and liquidity, contact me today. I will call you at my earliest opening for a FREE consultation. I won't try to sell you anything, and I won't charge you for my time. I only work with people whom I fell can benefit from my services, so if I can't help you have more money, thats the end of it pure and simple.
We also offer Specialty Insurance for Homes, Mobile & Manufactured Homes, Seasonal and Vacant Homes, Motor Homes, Travel Trailers, Motorcycles, Off-Road Vehicles (dune buggies, golf carts, 3-8 wheel ATVs, dirt bikes), Boats & Personal Watercraft.
This site is still under construction...theres more to come so check back.
Still to come...Mortgages: Should you pay yours off early? Should you draw out more equity? What does the Federal Reserve say? Could the mortgage crisis have been avoided by using 21st Century financial strategies? How secure is the FDIC?
And soon I hope to offer certificates for Free luxury vacations, Free merchandise, and Free gas.
Although I have associates in several states, I am a licensed professional for the Commonwealth of Kentucky. So the information on this page is for Kentucky residents only. Although persons in other areas may find this information helpful, no warranty is made. Everyone should consult a licensed professional in their State before implementing any of the ideas offered here. If you contact me from another state, I will try to refer you. Also, I do not give legal or tax advice, but I will gladly work with your legal or tax professional.
Do they have a guaranteed interest rate for life?
Do you pay taxes on the interest your investments earn?
Are you sick of watching helplessly while your stocks, bonds, and mutual funds lose value?
We know rates are important, we all want to get the best rate, so here's an easy question.
If your bank is offering you 3% taxed interest and you can get 5% tax-deferred interest with equal safety, why do you still have money in the bank? (don't expect your banker to tell you this)
Just How Important Are Taxes? Consider the following example - assume the same interest rate for both investments just for illustration purposes. Assume $100,000.00 is invested in both a taxable and a tax-deferred account at 5% for 20 years and no withdrawals are made. Also assume that the owner is in a 35% tax bracket.
In 20 years, the tax-deferred account would be worth $265,329.64, versus the taxable account worth only $111,438.48 - a difference of $153,891.19! The taxable investment would have had to return over 8% just to break even.
Contact me today to learn how you have a tax-deferred account, because you don't want to pay any more taxes than you have to.
How Important Is Protection Against Loss? People with money in stocks, bonds and mutual funds can take years to just recover from a loss.
But what if you could participate in the market gains with none of the set backs? If the market goes up one year, you get the gain. But if the market goes down the next year, you don't lose one cent. Then when the market goes up again, you get the gain without having to make up for any loses. What would that be like?
Again assume two $100,000.00 investments for five years. The first investment is in a mutual fund. The second is in an account linked to (not in) the Stock Market. Thats a very important difference.
Lets say the first year, the market goes up 12%, now both investments have $112,000.00 so far, so good.
However, the second year the market is down 18%, now the mutual fund is worth $91,840.00 but the linked account still has $112,000.00
The third year the market regains 5%. The mutual fund is up to $96,432.00 But the linked account is up to $117,600.00
The fourth year the market is down another 8%. The mutual fund is down to $88,717.44 while the linked account stays at $117,600.00
The fifth year the market regains another 12%. The mutual fund has a value of $99,363.53. while the linked account is worth $131,712.00
Also the linked account is tax-deferred, the mutual fund may have been taxed.
(but don't expect your broker to tell you about these accounts, because he doesn't sell them)
Contact me today to learn how a linked account could protect your savings, because you don't need to gamble with your life savings to get a good rate of return.
Annuities are among the safest, most secure investments available. Many large corporations, religious institutions and well-paid individuals depend on annuities to secure their retirement funds. Annuities are financial products which offer the tax advantages of an IRA without the limits and restrictions of an IRA. However, you may utilize an annuity for an IRA or 401k. There are fixed annuities, indexed annuities and variable annuities. But use caution: with two of these, your principal and accredited interest is protected and absolutely guaranteed to never lose any value, while with one your principal is at risk of total loss. 100% of the annuities we sell are guaranteed to never lose value. With all annuities your money earns tax-differed interest, and you aren't limited to how much you can contribute or when you take withdrawals.
You can get money from your annuity when you need it. When you are ready to take income from your annuity, or if you want an immediate annuity you have several options, you can take a full withdrawal or payments for a period which you choose. And annuities are the only investments which offer payments guaranteed to last a lifetime. Annuities are also protected from most creditors, lawsuits and judgments in many states. With attorneys lined up waiting to sue anyone for any reason, asset protection can be very important. Also death proceeds from annuities usually by-pass probate.
We write annuities through several of America's largest and strongest financial institutions so you can rest assured your money will be there when you need it.
Rates can change daily, and there are hundreds of different annuities with different rates, terms and provisions giving thousands of combinations. So we constantly monitor dozens of major U.S. companies to give you the best and most current information. Contact Me Today. Because you will get personal, professional service and independent expert advice with no obligation.
Are you paying too much for Life Insurance?
How much Life Insurance do you need?
Do you have enough Life Insurance to provide the needed income protection for your family?
Is your Life Insurance a Term policy which will expire worthless, or a Universal Life policy that is running out of cash value?
How can Life Insurance provide tax-free retirement income?
How can I stop paying for Life Insurance when I retire?
What is investment grade life insurance?
We can help you answer all these questions, and more. I have associates who are experts in investment grade life insurance. We can tailor a plan which will give you the proper protection and add tax-free income for your retirement or any other need you may have. With a cost that is usually lower than term insurance. You may even be able to get the IRS to help pay for it. Contact Me Today because not many agent offer these policies.
If you own or are thinking about buying Term Life Insurance, read my special report on Some Facts About Term Life Insurance (what your agent may not tell you)
Health Care Insurance is critical to sound financial planning. Uncovered medical bills can quickly deplete a person's savings and result in bankruptcy. Health insurance can be expensive, but there are affordable ways for most people to be protected. Even if you have current coverage you may be paying more than necessary. Most people assume that coverage under an employer's group policy cost less than an individual policy, but that isn't always true. A healthy person can often find better rates than going through an employer. And if you lose or change jobs, you don't lose your insurance.
A Health Savings Account is a good financial strategy for many people. Health Savings Accounts offer low rates, broad coverage and great tax advantages. With a Health Savings Account, Uncle Sam will help pay for your health care. Read my report on Affordable Health Care or Contact Me Today for a FREE no-obligation phone consultation and advise on the features and benefits of the different kinds of policies. I can then e-mail you a customized quote and assist you with an application if you like. Or you can click on the link for an instant quote and on-line application.
Contact me today, because statics show that over 70% of Americans retire below the poverty level, while only 10% are financially secure at retirement. Which group would you rather be in? When it comes to retirement, mortgages, insurance and investments most people are still doing the same things our parents and grandparents did in the 1930s. The trouble is, the financial world doesn't operate like it did in the 1930s. The rules of the money game have changed, and if you want to win the game, you have to know the rules. The banks and financial institutions, wealthy people and the IRS are playing by the new rules. Shouldn't you be too? If you do what most people do, you can expect the same results most people get.
We have considered each major investment group including real estate, stocks, bonds, bank CDs, life insurance, mutual funds, money market accounts, annuities, precious metals to see how each measured up to safety, rate of return and accessibility. Only a few selected products in two categories met all three criteria. To learn more about the levels of safety, rate of return, and liquidity of each investment group, ask for my FREE report, Alternatives To CDs and the Stock Market, (what your Banker and Broker don't want you to know). (currently under revision)
Because market conditions and rates can change daily and everyone's needs are different. My associates and I continue to monitor current market conditions and thousands of products from dozens of America's largest and safest companies.
Do you need to play "catch-up" on retirement but don't know where the money could come from? Are you a business owner or professional who would like to have a better funded retirement? You could be sitting on the money and not know it! We have advanced strategies for using dormant assets to fund your retirement account so the money doesn't come out of your pocket. If you qualify, we can create an arbitrage where your money does all the work, earning a lot more money. Ask for a free, no obligation consultation.
But in order to reach your destination, you first need to know where you want to go, when you expect to get there, what route you want to take, and what kind of vehicle you'll need. Some people like the slow scenic route, while others need to take the expressway. We can help you develop a financial road map and select the best vehicle to take you there.
If you want the safety level of bank CDs but want a better return than the banks offer. If you want the high earning potential of the stock market without the risk of loss of being in the stock market. If you want the advantages of an IRA or 401k without the IRS restrictions. In other words, if you want safety, high potential rate of return and liquidity, contact me today. I will call you at my earliest opening for a FREE consultation. I won't try to sell you anything, and I won't charge you for my time. I only work with people whom I fell can benefit from my services, so if I can't help you have more money, thats the end of it pure and simple.
We also offer Specialty Insurance for Homes, Mobile & Manufactured Homes, Seasonal and Vacant Homes, Motor Homes, Travel Trailers, Motorcycles, Off-Road Vehicles (dune buggies, golf carts, 3-8 wheel ATVs, dirt bikes), Boats & Personal Watercraft.
This site is still under construction...theres more to come so check back.
Still to come...Mortgages: Should you pay yours off early? Should you draw out more equity? What does the Federal Reserve say? Could the mortgage crisis have been avoided by using 21st Century financial strategies? How secure is the FDIC?
And soon I hope to offer certificates for Free luxury vacations, Free merchandise, and Free gas.
Although I have associates in several states, I am a licensed professional for the Commonwealth of Kentucky. So the information on this page is for Kentucky residents only. Although persons in other areas may find this information helpful, no warranty is made. Everyone should consult a licensed professional in their State before implementing any of the ideas offered here. If you contact me from another state, I will try to refer you. Also, I do not give legal or tax advice, but I will gladly work with your legal or tax professional.
