Jennifer Lang
Financial Services
Specializing In Guaranteed Retirement Income
Working With a Financial Professional For Guidance Along Your Journey Is Only the First Step.
Whether you’re just starting to grow your nest egg or you've already started enjoying your retirement,
a financial professional can help you navigate your journey.
We are here to partner with you on the road to reaching your goals. When it comes to planning for your financial future, there is no better time than now. Make the most of your future by starting a no-market risk retirement planning conversation today.
Wealth Preservation
Diversify your retirement strategy with an annuity.
So, when do annuities make sense?
Annuities make sense for a person wanting to save and grow money for retirement safely. They offer tax advantages, the ability to earn an income for an entire lifetime, they can help pay for long-term care expenses, and you can leave an inheritance for your heirs and avoid probate in estate planning.
In addition, they help those needing public assistance to maintain some assets while participating in the state’s Medicaid program, and annuities will protect assets from stock market volatility.
As long as your 401k, 403b, IRA and TSP are in the market....they are at risk for loss.
You Insure Your Home and Auto, Don't Put Your Retirement at Risk. Protect Your Principal Today.
Get Started With a Free Quote.
When you think about it..... you’re taught how to make money.
But in retirement, you've got to know how to spend it wisely.
RMDs could push retirees into a higher federal marginal tax bracket.
Keep More of Your Money.
Now Is a Good Time To Protect Profit With
a Tax-Deferred Growth Strategy.
Tax-Deferred Solutions Such As Annuities, Are Safe From Market Loss,
With Protected Growth, Lifetime Income, a Death Benefit for Your Family and Liquidity.
At Jennifer Lang Financial Services, we work with over 25 A and A+ Rated Carriers to find you the best rate.
Let us put our expertise to work and find you the best annuity for your age, time horizon and goals.
Take control of your tax-bracket now.
Watch our "Thinking About Early Retirement?" campaign and learn more.
JenniferLangInsuranceDivision.com
Tel: 1(916) 458-4515
News
New Life Insurance Division Launched.
Now Serving All 50 States!
Jennifer Lang Financial Services, LLC. now has a new life insurance division with licensed agents standing by ready to help you with your life insurance needs.
Thinking About Retirement?
Here's Something To Really Think About.
Investing implies risk.
A volatile investment can make you rich .... or .... devour your savings.
Annuities are for savers.
Staggering annuity purchases over time can boost your guaranteed retirement income and lower risks.
Wouldn't it be nice to have an income that's protected from stock market volatility?
Especially if you're retiring in a Bear Market.
What You Get:
1. Tax-deferred growth. You will pay no income taxes on the earnings from your annuity growth until you begin making withdrawals or receiving periodic payments.
2. An annuity can help you save additional money for retirement once you've maxed out other tax-favored investments.
3. Annuities can help you catch up on retirement savings when you have less time to save.
4. Annuities offer potential for tax-deferred growth and an income stream for life.
5. Unlimited contributions.
6. Choice of saving options.
7. No mandatory withdrawals.
8. A Death benefit for your heirs.
We Take A Different Approach To Retirement Planning.
Creating Financial Freedom with Products That Offer Upside Market Potential with No Downside Market Risk.
Safe Money Retirement Experts!
Personal No-Market Risk Financial Planning
Failing to plan is planning to fail.
Building and preserving your personal wealth requires specialized attention. You get one-on-one guidance and a comprehensive financial plan that helps manage risk, improve performance, and ensure the growth and longevity of your wealth from a financial professional who puts your needs, goals and time horizon first.
Annuities are designed to hold the owner's funds for a certain time and then to convert those funds into a stream of income that can extend as long as the owner desires.
Retirees seeking guaranteed income, can use annuities for long-term asset accumulation and life long asset distribution.
At JenniferLangFinancialServices.com we work with you to to design the best annuity product to fit your goals.
Take advantage of our free consultation while we shop among 25 top A Rated life insurance carriers to find you the best rate and benefit. Sit back and let us do the shopping for you. Let our expertise help you save and grow more of your hard earned money.
JenniferLangFinancialServices.com is a Financial Services Company that specializes in Life Insurance, Annuities, 401K, 403(b), TSP Rollovers and Small Business Loan Services.
Our mission is to work to increase financial literacy across America, to provide safe financial planning knowledge, basic no-market risk strategies, and action steps, to help you reach your goals and pursue a future of financial independence.
Create a tax-free retirement plan for as little as $100/month.
Get started now.
Social Security
Spousal benefits can be complex, and decisions surrounding these benefits require careful thought and planning.
If you are 5 to 10 years away from retirement, it’s never too early to start the Social Security conversation with a financial professional, to gain the insight and information you need to make the most of your benefits and understand how they fit into your retirement strategy.
Here's a Good Question......
Do You Think Taxes Will Be Lower or Higher Over The Next 30 Years Of Your Retirement?
Most of us would agree that taxes will be higher. So does it make sense for us to defer hundreds of thousands, or millions of dollars of Required Minimum Distributions (RMDs) into a higher tax environment where we would have to pay a higher tax rate?
-Or-
Would it make more sense to fund a tax-free vehicle now, so that we could avoid some of that risk.
Diversifying your portfolio between tax-free, deferred-tax, and taxable accounts can pay off in the long run.
If you have maxed out your 401K/IRA, and you are looking for a 401K alternative, learn about tax-free solutions that can take the worry out of retirement with no-market risk strategies that offer upside potential and avoid exposing your nest egg to stock market risk.
Do You Have an IRA or 401(k)?
Tax planning is critical to early retirement.
What's your plan for getting the money out?
Would you be interested in seeing a plan to get your tax bill down on the distribution of that money?
If you are serious about planning for retirement, you have three major "Risks" that could destroy everything you have worked so hard to achieve:
Market Risk - If you remember the downturn of 2008 and 2020 you have already felt the impact of those losses.
Tax Risk - With our country's debt climbing to uncontrollable levels (28T), are you prepared to lose 50-60% of your retirement income to taxes?
Capital Risk - The risk of not having enough available capital, for contributions, in order to achieve your retirement goals.
Get The IRS Out Of Your Retirement. Click here.....
 Keep more of your money.jpg |  IUL - How+Do+I+Pay+Less+Taxes+2020_page-0002.jpg |  IUL - How+Do+I+Pay+Less+Taxes+2020_page-0001.jpg |
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 Tax Free Compounding Over Time - Hypothetical Example For Illustrative Purposes Only |  The Retirement Tax Problem - Hypothetical Example For Illustrative Purposes Only |
At retirement, our growth investment plans, become income investment plans.
If you've built up a large balance in 401(k)s, rollover IRAs and other tax-deferred accounts and have another source of income, such as a pension or even Social Security, RMDs can create a host of tax tribulations. Because the withdrawals are taxed as regular income, RMDs could push you into a higher tax bracket.
Understanding Risk Profiles
Let's compare. What's a better investment? ..... vs .....
What's a better way to protect a lump of cash that will last through retirement?
Americans are living longer....and that's a good thing.
However, living longer also means more money is needed to support an extended retirement.
Today, consumers must shoulder much of the responsibility for managing their own financial futures. They need self-directed options and self-directed ways to accumulate funds for their futures and to safely and efficiently distribute those funds during their retirement. For these purposes, the insurance industry offers a unique vehicle: the annuity.
Annuities Aren't Designed To Beat the Market. Annuities are for savers.
They Are Designed To Offer Steady Growth Without the Risk Of Losing Your Hard Earned Capital.
One of the most significant benefits annuities offer—is tax deferral. That is, the interest and growth on an annuity’s funds accumulate on a tax-deferred basis. As long as these values remain in the contract, they are not subject to tax. Only when earnings are withdrawn or distributed are they taxable. The annuity remains one of the few individual investments a consumer can make outside of a qualified plan that is given this favorable tax treatment.
Tax Deferral + Compounding = Enhanced Gain
Because fixed indexed annuities (FIAs) offer predictable income, Americans feel more comfortable when withdrawing funds from these retirement vehicles, as opposed to an IRA or 401(k). Choosing a FIA is an efficient way to plan for your future, as your interest earnings rate always remains somewhere between the interest rate floor and the cap. In turn, no matter what happens in the market, you can count on payments throughout your golden years.
Annuities help shift the risk of market volatility off your shoulders and onto the issuing insurance company.
What's the Best Time To Start Long-Term Care Planning?
Answer: When You're Young and In Good Health.
Advance Planning Relieves Burdens
Solutions:
Retirement is about expecting the unexpected, from health care concerns to living expenses. This is all the more reason to start preparing for it with a diverse retirement portfolio. Our strategies provide solutions for:
Principal protection during market downturns
Tax-deferred growth until a withdrawal is made
Diverse crediting strategies available
Income that cannot be outlived
Get started today with a retirement income strategy that prepares you and your family members for the many potential years in retirement and the long-term goals you want to achieve.
6 Paradigm Shifts:
What Benefit Would You Like To Plan For?
Now that you have grown your financial wealth,
it's time to protect it.
1. Will We Have Higher Taxes In The Future?
2. Will We Have Lower Benefits In The Future?
3. Will We Have Inflation?
4. Will We Have Increased Volatility?
5. What Will Happen If We Live Too Long? Or What If We Outlive Our Money?
6. What Will Happen If We or Our Aging Parents Suffers a Major Debilitating Health Event, Such As Cancer, Heart Attack, Stroke, Dementia or Alzheimer's Disease? What If We Can't Recover and Bounce Back As Fast As A Teenager?
We sell financial miracles.
Here are four of the financial miracles we sell:
(1) We sell the financial miracle of compound interest,
(2) We sell the financial miracle of tax deferral or tax-free compound interest.
(3) We sell the financial miracle of leveraging -- pennies that can buy dollars and one dollar that can do the work of many dollars.
(4) And we sell the financial miracle of sequence of returns risk - no need to wait for market recoveries. You're gains are locked in so you never lose a penney.
Are your financial puzzle pieces all together?
Let's put a plan in place that will protect what you have built up and created.
Take advantage of our Free Complimentary Consultation Today.
Retiring in a Post-Pandemic World
It’s the rare person who decides they want to get ahead of the changes of life,
but creating a plan before life hands us a crisis is our goal.
One in three 65-year-olds will live into their 90s, but few can afford it. Talk to us about a strategy that provides supplemental income to help fill in the financial gaps that come with a long life.
If you're in that sandwich generation and you have aging parents that you may have to take care of, you have your own retirement needs, plus you have growing or adult children.....not having a plan can create a huge burden upon family members and lead to a financial hardship. We know what it's like because we've been there. Good news is, we can help guide you through the process with a proactive plan.
Welcome To Jennifer Lang Financial Services
You have taken your first step toward financial independence by visiting us today. We are here to help those who seek a greater understanding of their financial situations and wish to find better opportunities for themselves, their families and their businesses.
Interested in alternative solutions? Worried about Retirement? Need to begin College Planning? Need a plan for Long Term Care costs not covered by Medicare? You’ve come to the right place!
Our goal is to help you find something to fit your budget and meet your needs. Take a moment to check out our services, video podcasts and webinars. Find out why families nationwide are looking to
Jennifer Lang Financial Services!
Are You Looking to Leave behind More than Memories?
Life Insurance Can Help!
Types of Life Insurance: Term, Permanent, Indexed Universal Life (IUL), Whole Life, Final Expense
Life insurance is a smart and simple way to help take care of your loved ones.
You get to choose your beneficiaries.
Pass the death benefit to whomever you want—your children, spouse, parents, a favorite charity, or any combination of these.
You have a choice of coverage options.
When it comes to buying life insurance, there are plenty of great choices—choose affordable term life coverage, or create an income-generating investment with permanent life insurance. With so many choices, I can make it easy to find the right policy to fit your needs.
If you are a Small Business Owner, your caught between a rock and a hard place. You want to keep operating costs low, but you also want to help your employees.
We can help you with: Indexed Universal Life Insurance, Key Man Insurance, Group Life Insurance/Retirement Plans, Disability and Long-Term Care Insurance.
Call Us Today at: 916-458-4515
Agents are available to help you in all 50 states.
Please Select Your Top Priority
Do You Need Help Choosing the Right Insurance?
We can shop over 30 top-rated insurance carriers instantly to help you find the plan that’s right for you. It helps to have a plan to achieve a more secure future.
Click the button below to get started.
Here are some helpful tips.
To make sure you are choosing the right insurance, just click "Yes" to compare rates for non-reportable tax-free income.
As a side note: 75% of applicants qualify for the average insurance standard rating. So you would hover over 2 hearts.
- Term and Return Of Premium have the cheapest rates for Mortgage Protection Insurance.
- IUL | Universal Life is best for College Planning, Long-term Care and Key Man Insurance.
Don't Be One of the 95 Million Americans without Life Insurance
Check out the 3 biggest
benefits of owning individual life insurance:
- It’s affordable. A 40-year-old can buy $250,000 of coverage for $18 per month or less.
- Life insurance at work can disappear. Many of the 13.1 million unemployed Americans had relied solely on life insurance at work.
- Shopping around takes seconds. Click "Get an Instant Quote" to browse life insurance quotes instantly.
Don’t hesitate! Get life insurance quotes right now to protect your loved ones.
Are You Prepared for Long-Term Care?
We specialize in Accumulation Focused Solutions!
According To A 2020 Retirement Income Literacy Survey Released by The American College of Financial Services.
Many don’t know how long their retirement assets will last.
Only three in 10 have a plan in place for how to fund long-term care needs, and only 8% consider it very likely that they will ever experience a long-term care need — even though the reality is that 70% will.
Only 32% know that $4,000 is the most they can afford to “safely” withdraw per year from a $100,000 retirement account, suggesting most do not know how to manage a prudent withdrawal rate.
Now that you know that Medicare only pays for 100 days of Long-term care costs, what steps will you take?
For the first 20 days, Medicare pays 100 percent of the cost. For days 21 through 100, you pay a $176 daily copayment, (as of November 2020), and Medicare pays any balance.
After those 100 days are up, how will you pay for it and where will the money come from?
The annual cost of nursing home care averages between $89,297 – $100,375.
A health event such as cancer, stroke, heart attack or Alzheimer's disease could wipe out your retirement nest egg.
Don't Go Broke In A Nursing Home.
Someone turning age 65 today has almost a 70% chance of needing some type of long-term care services. Think about the first 20 minutes of your day. What if you had to pay someone to help you with that? If you are approaching retirement, learn how annuities help cover long-term care and nursing home costs.
If you become too sick or hurt to work how will you:
Pay your regular expenses?
Maintain your lifestyle?
Contribute to your qualified retirement plan?
Will you still receive any employer match on your retirement contributions?
The average disability lasts 31.2 months.
1 in 4 of today's 20-year-olds will become disabled before they retire.
Women are more likely than men to need care
and become family caregivers.If parents don’t have a plan, then their family becomes their plan.
More than 55% of parents expect their children to care for them physically or financially as they age.
What if you are a self-employed business owner?
What happens to your business and employees?
A disabled worker continues to incur living expenses.
As a result, disability is often accompanied by a need for increased income.
We've got a strategy that will help you protect today and tomorrow. We offer solutions with chronic care protection and financial flexibility if you ever need care.
Client Example:
Female 40 year old client has $30,000 in savings essentially making nothing and uses it to buy a single premium Indexed Universal Life Insurance (IUL) policy for $50,000 to $70,000 based on age, sex and health. The policy will have approximately the same if not better return as the savings account. Now, she has a fully funded life insurance policy with access to the cash value, income tax free and with Living Benefits to cover potential Long-term care costs.
Can you afford long-term care? If you are in good health, let use help you design a strategy that builds tax-free income and covers your long-term care costs.
How can I take some pressure off my retirement portfolio?
Are you under the age of 59 1/2? The Retirement Red Zone is defined as the 10 years before and the 10 years after retirement. It's a critical period when you may have less time to recover from investment mistakes and poor investment performance.
For retirees that are transitioning from the accumulation phase to the distribution phase of retirement planning, it's important to protect that nest egg you have built up over the years.
Hypothetical friends Owen and Clara demonstrate how two potential strategies for retirement income compare in the face of market losses, longevity, inflation, and low rates. Whose strategy is more efficient for reducing the pressure on their portfolio to help meet their financial objectives? Watch the video to find out.
How would Clara's annuity account look if we applied interest credit?
Many indexed annuities credit interest annually based upon the performance of an index, limited to an annual cap rate.
In a year that the index rises more than the cap rate, the interest credit is the cap rate.
In a year that the index rises less than the cap rate, the entire increase is credited.
In a year that the index declines, the annuity's value is protected from the decline, and there is there no interest credit.
To show how this works, here's an example using the actual changes in the S&P 500 ™ during the calendar years 2006 - 2016.
The calculation is based on a premium of $225,000 and cap rate of 4.5%. This calculation does not reflect any particular indexed annuity product, thus it does not reflect or guarantee future performance of any product. Keep in mind that on most indexed annuities, the carrier can change the cap rate from year to year. So this is a conservative calculation.
What's most important to see is that during a negative year (2008) the account did not lose any value. (Hypothetical illustration only - Individual results may vary.)
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