It is an educational conversation. We look at how your current plan addresses the five retirement risks — market, longevity, sequence of returns, tax, and healthcare — and where gaps may exist. No products are sold in the session, and there is no obligation to move forward.
Yes. It is a no-cost, no-obligation educational conversation. Nothing is sold during the session.
No. Dora is a licensed insurance professional — not a CPA, registered investment advisor, or financial planner. Tax decisions and filings remain with your qualified tax professional. This practice designs the insurance architecture and coordinates it with your CPA.
No. I work alongside the professionals you already use. I do not manage investment portfolios.
Guarantees are based on the claims-paying ability of the issuing insurance company. Suitability depends on your situation.
When an insurance product is arranged, I am compensated by the issuing carrier. I do not charge an ongoing assets-under-management (AUM) fee. We can review how compensation works during our conversation..
Tax treatment depends on proper structure and the policy staying in force. Suitability depends on your situation.
It is an insurance contract whose credited interest can be linked to a market index, that gains are limited by caps/participation rates and that surrender charges limit access. — so the contract value is not reduced by negative index performance. Annual insurance charges may apply. Guarantees are backed solely by the claims-paying ability of the issuing insurance company. Whether it is suitable depends on your goals and circumstances.
Tax treatment depends on your circumstances. Consult a qualified tax professional.
An Indexed Universal Life (IUL) policy is permanent life insurance whose cash value can grow based on a market index — subject to caps or participation rates — with a floor that limits index losses. Structured under IRC Section 7702 and kept properly in force, cash value may be accessed on a generally income-tax-free basis through policy loans. An IUL carries insurance costs and possible surrender charges, and a policy that lapses or is surrendered may create a taxable event. Whether an IUL is suitable depends on your individual circumstances.
Dora works with clients nationwide — licensed where she does business and becomes licensed in each client’s state before doing business there. Let’s confirm your state during your Retirement Gap Analysis.
DW Financial Group · (908) 738-9836