Tracy Lownsberry

Retirement Wealth Analyst

It's Time To
P.R.O.T.E.C.T. Your Retirement!

Traditional retirement plans are full of hidden fees and expenses that hurt your growth and leave you wondering where your hard earned savings went when the markets turned south.

The P.R.O.T.E.C.T. Retirement Plan eliminates worry without sacrificing earnings.

Find out how this plan benefits your specific situation before its too late.

Tracy Lownsberry

Retirement Wealth Analyst

Traditional retirement plans are full of hidden fees and expenses that hurt your growth and leave you wondering where your hard earned savings went when the markets turned south.

The P.R.O.T.E.C.T. Retirement Plan eliminates worry without sacrificing earnings.

Find out how this plan benefits your specific situation before its too late.

Find Out How To Solve The Biggest Gap In Retirement

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To Claim Your Free Booklet On 15 KEY Questions You Want Answers To.

FREE INCOME ANNUITY BOOKLET

FREE GROWTH ANNUITY BOOKLET

FREE LONG TERM CARE BOOKLET

Securing Your Retirement A Safer Way

Retirement planning can be overwhelming, and you may be wondering if you're doing enough to secure your future. One effective way to maximize your retirement savings is through a P.R.O.T.E.C.T. Retirement Plan.

Guaranteed Protection and Returns: One of the biggest factors in reducing stress in retirement is correlated to reducing risk. This means that no matter how the market performs, you will either earn interest or at least never lose a penny. This allows for you to be in control of your future, not the market.

Tax-Deferral or Roth Conversions: Deferring taxes is also very important in the right situation, but sometimes its delaying the inevitable. We will show you when it makes sense to defer taxes or to convert your assets into a tax free retirement!

Guaranteed Income & Inflation Protection: We offer the ability to align your retirement spending with your income in a way that can never run out. With this part of our plan, we also plan for specific guaranteed increases to combat inflation.

Nursing Home & Long Term Care:

It's not a secret that we are all living longer, which comes with a higher risk of needing some type of nursling or at home care. Our family won't always be around to help when we need them, nor should we expect them to. We can help align your finances just right, so you never have to worry about paying for that type of care again.

What If I Pass Away?

How Can I Transfer My Wealth Tax-Free To My Family?

P.R.O.T.E.C.T. Retirement Plans can be an effective tool for transferring wealth tax-free to your beneficiaries.

Death Benefit & Probate: Probate is the legal process of settling an individual's estate after their death, and it can be a lengthy and expensive process. When you are part of a P.R.O.T.E.C.T. Plan, you can sleep soundly knowing that everything we do completely avoids probate and will pass directly to your beneficiaries.

Stretch IRA: If you name your spouse as the primary beneficiary of your plan, they can continue to receive the same benefits even after your passing. This is known as a "stretch IRA".

Step-Up in Basis: Another advantage of using a P.R.O.T.E.C.T. Plan to transfer wealth is that your beneficiaries will receive a step-up in basis. This means that the value of your account at the time of your death becomes the new basis for your beneficiaries. This can be a significant tax advantage, as your beneficiaries will only owe taxes on the amount that the account has increased in value since your death, rather than on the entire value.