An IUL is an indexed universal life insurance policy. A Higher Peak financial strategy is an overlay of an IUL life insurance policy. There are different US laws governing investments and life insurance. Either can be used to pursue a financial goal. The way we design our IUL-based financial strategy--for maximized cash accumulation and minimized cost of insurance--makes the Higher Peak financial strategy so attractive as a financial strategy. You will not find all of the benefits you can find in a Higher Peak financial strategy in any other single financial vehicle. The financial strategy we describe here may be little known but it is not new. We understand you have preconceptions of what a life insurance policy is. Our advanced design changes how a life insurance policy performs. You should base your decision whether to use a Higher Peak strategy on what it does, not your preconception of what it is. We Design to be the Opposite of How You View Life Insurance For example, a typical life insurance policy tries to buy the most death benefit with the least premium. Our design does the opposite: a large premium and a minimized death benefit. This reduces the cost of insurance to an increasingly negligible amount as you get older (when the cost of insurance becomes much higher), nearly removing the cost of insurance's material affect on the policy. The goal is maximum cash accumulation and a minimized of death benefit.

All products and services you buy change over time. Financial strategies are no different. Ask yourself this: how much have your financial options changed in the last 20-30 years? Do you still have the same financial strategy with the same tax and market exposure as you had 20-30 years ago. Maybe it's time to shop around for new options, especially as you plan for your retirement. Do you really your retirement income susceptible to the uncontrollable ups and downs of Wall Street? Our Higher Peak strategy may provide more control and more income to your retirement.

Not necessarily. Financial Professionals Do Not Offer What They Do Not Understand Using an IUL as a financial strategy as we describe it requires advanced training and most financial professionals neither have that training nor have the support and resources to support this strategy. That's one of the most common reasons why your financial professional has not offered this strategy to you: your advisor will not recommend what they do not understand. Strategy vs. Product Without an advanced design, you'll be purchasing a product without the strategy and service we describe. That's why we'd agree that many financial professionals do not favor an IUL as a financial strategy--because they only know it as a life insurance product and it does not perform well enough as such. Generally, it is not an option to change a policy after it is issued so you could be stuck with a traditional insurance product that is not designed to perform as a financial strategy to fit your needs. That may be an expensive mistake so be careful where you shop for this type of strategy. Long Term Service If the licensed agent does not discuss how they will service your policy after the sale, there may be no such commitment. An advanced design requires action after the sale so while you are making a long term commitment to the policy so should the agent commit to that long term service to you. Depth of Understanding An advance-designed IUL involves significant depth of understanding. There are legal aspects, product technical depth, illustration understanding, a perspective of how one IUL compares with other available products, and an ability to understand the needs and goals of the client. This is a wide range of skillsets, each of which plays a role in helping to craft a successful IUL experience. Without an agent with advanced IUL design training you cannot get the benefits only the advanced designs will create.

If you: have at least a 12-year financial horizon are under age 70 have either a lump sum (from exiting a property or a business, from an inheritance, or are considering how to set up your retirement), seek a strategy to set up a child or grandchild with lifetime financial resources, or consistently earn income beyond your employer's retirement plan matching contribution that you could deploy in an additional financial strategy . . . . . . you should consider a Higher Peak financial strategy.

We make it easy for you. ​ We'll explain it, answer all your questions, design a customized strategy for your consideration, and, if you'd like to pursue it, we'll take it from there in full transparency with your cooperation. You are welcome to invite any advisor, CPA, tax attorney, trustee, friend, family member, etc. to participate in any of our conversations.

Our strategy isn't new but it is little known which is a reason you may not be familiar with it. Many financial professionals are not familiar with advanced IUL designs. They generally do not offer what they do not understand. No state insurance licensing exam includes advanced IUL design training. This is the biggest reason so many otherwise life insurance-licensed financial professionals do not understand this design . Nor is that advanced training quickly and easily obtained because it should be gathered from various sources and involves some depth of understanding. That takes time and effort.

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