GUARANTEED INCOME RETIREMENT ACCOUNT (GIRA)
Did you know? Less than 15% of Retirees have a GIRA . Although 84% surveyed said they really wanted & needed one.
Why hasn't my financial advisor told me about this?
Reason #1:
Most financial advisors don’t even know about this. Nor do they know how to utilize it properly to get you the most value.
Reason #2:
Most financial advisors recommend financial vehicles that pay them the highest commissions rather than put your interest at heart.
Reason #3:
The advisor can’t charge you yearly management fees so it’s not worth it for them to use it.
As a Result:
Many Retirees will run out of money, reduce their current lifestyle, have to move in with their kids, move away to a cheaper area, struggle financially, & can't do things that they want to do (e.g. go on vacation, visit grandkids, etc.)
Do you want to have to live your golden years like this?
With a Qualified/Tax-Deferred Plan (401k, IRA, 403b, 457b):
❌ No Guarantees: When the market crashes your retirement account goes with it. We saw this in 2008, 2019, and again in 2022, losses of 20% up to 38%+.
❌ No Income for Life: If you live a long long life, there is a very high chance you will run out of money. Many run out between 8-12 years. Reason being that the majority of these plans are not designed properly by their Advisors since their focus is only on growth and NOT distribution. Both are equally as important!
❌ Fees (Investment fees, Administration fees, Individual service fees): No matter if the market is up or down they take the fees from your account.
❌ Income limited to the 4% Rule: When your retirement account is invested in the stock market, the maximum you should withdraw is 4%. If you want your funds to last at least 30 years. So, if you have $1,000,000 your income would be $40,000/year before taxes.
❌ Forced withdrawals: When you reach a certain age, the IRS forces you to take a withdrawal. If you do not or forget, they will penalize you 50% of the Required Minimum Distribution (RMD) amount and income taxes on top of that. This could end up costing you over 60%.
With a Guaranteed Income Retirement Account:
✅ Guaranteed no loss: The account is protected even during market downturns. In other words, the account cannot lose value due to market volatility. It can only go up or stay the same, never lower.
✅ Guaranteed Income for Life: That's right, the income is for life and will never run out. And you can have income options such as 1) Increasing income when the market increases (will never be lower than the previous year) and 2) Income that you can pass on to your spouse for her lifetime. This is truly like having a Personal Pension!
✅ No Fees: There are no fees. Keep 100% of your hard-earned money.
✅ Liquid: You can access a certain percentage each year if you needed, with no fees or penalties.
✅ Can be Tax-Free: There is a way to convert the Tax-Deferred funds to become Tax-Free within the account. As a result the income is also Tax-Free!
There are many more GIRA Benefits!
Is it “Too Good to Be True” You Ask?
Nope. It’s very real.
In fact, the Guaranteed Income Retirement Account is NOT a new investment strategy.
Accounts like these have been used by wealthy individuals and families for well over 100 years to build, then pass on fortunes in a legally tax-free environment.
BENJAMIN FRANKLIN had an account like this.
So did Babe Ruth, Cleveland, McKinley, Harding, and FDR......just to name a few.
**The happiest Retirees surveyed have Pensions. Don't you want to live a life you deserve?
What's the catch?
You have to Qualify for the program.
The good news is that the GIRA is not available just for the wealthy.
Find out if you qualify by clicking on the Start Survey button below.
**Free Educational PDF (Securing your Future). Link provided after Survey is completed.
