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The Unique Advantages of

Tax-Free Income Plans

Thoughtful Advisors provides a specialized low cost and low commission hybrid financed insurance solution to fund executive benefit plans.  Everyone initially thinks, “it’s too good to be true”, but it isn’t.  It’s only available to qualified individuals or households with $100,000+ annual income, in reasonable health and under age 65.  Combining those qualifications with specialized design makes us different than our competitors.  Click here to read a testimonial from an attorney and here to read a testimonial from a CEO.  Click here to read a simple flyer about how we thoughtfully bring Wall Street finance ethically to Main Street USA.  Our solution is available individually or as a non-qualified group benefit from an employer to executives, leaders and valuable employees.  Plans are available to all business ownership structures whether Partnership, LLC, S-Corp, C-Corp or Non-Profit.

Thoughtful Advisors hybrid financed insurance solutions include two designs called Kai-Zen® and Tri-Zen® which maximize contributions to savings and provide immediate protection for the saver and their family. Client makes 5 annual contributions of equal value which are combined with 3X matching bank loan to maximum fund a low-commission cash accumulation life insurance policy. Each design minimizes on-going costs to maximize the cash accumulation for more potential tax-advantaged savings growth.  Every thoughtful hybrid financed insurance solution follows a similar path:

  • Determine Annual Contribution Amount
  • Complete Online Application
  • Simplified Medical Underwriting
  • Upon Underwriting Approval - Complete Turnkey Trust Paperwork
  • Trustee Sets Up Account for Contributions
  • Fund Initial Contribution
  • Contribution + Bank Funds are Sent to Insurer
  • Policy Issued and Assigned to Lender as Collateral Until Loan Repayment
  • Annual Reviews of Policy Performance with Updated Estimates of Tax-Free Income Values
What Is Kai-Zen?
Kai-Zen vs. Other Savings Options
Find out if thoughtful hybrid financed insurance is right for you

The Many Potential Benefits
of Hybrid Financed Insurance

Reduces out-of-pocket cost for life insurance.

Maintains cash-flow for current living expenses

Looks to increase internal rates of return.

Maximizes potential tax advantages.

Leverages net worth to compound and grow wealth.

With all of these potential benefits, hybrid financed insurance is a valuable addition to your business and financial needs. It is truly unique and special for business owners, corporations, non-profit organizations, universities and professionals.

Find out if thoughtful hybrid financed insurance is right for you

Investment Advisory Services are offered through Brookstone Capital Management, LLC, a Registered Investment Advisor. 1745 S. Naperville Road, Suite 200 Wheaton, IL 60189 www.brookstoneCM.com (630) 653-1400.. Thoughtful Advisors and Brookstone Capital Management, LLC are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Thoughtful Advisors and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer, in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc.

The Better Business Bureau (BBB) is a membership organization governed by The Council of BBBs, Inc. Businesses in the U.S. and Canada may apply for accreditation with their local BBB and are evaluated on eight BBB Standards of Trust, which are defined as a comprehensive set of best practices for how businesses should treat the public in a fair and honest manner. Businesses must pay a fee for accreditation review and monitoring for continued compliance to BBB standards when applying for accreditation. BBB assigns ratings to accredited businesses, which range from A+ (highest) to F (lowest) and are based on a defined set of rating elements. BBB logos and/or trademarks are property of their respective owners and no endorsement of Gary LoDuca or Thoughtful Advisors is stated or implied. BBB and Retirement Wealth Advisors, Inc. (RWA) are not affiliated.
For the detailed requirements of the Better Business Bureau, please visit: https://www.bbb.org/

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