BIRDSEYE FINANCIAL SERVICES (360) 722-7889
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Strategy Overview
ROTH IRA
VOLATILITY BUFFER
TAX FREE INCOME
WEALTH TRANSFER
Wealth Transfer
When you wish to transfer your assets to your next generation there are very few products like Life Insurance that can pass wealth TAX-FREE. A very successful strategy would be to have a life policy either on yourself or perhaps on your children. The ability to pass wealth in a Tax-free manner is important, but what if you could also have those funds grow tax-free for the life of your children too? This is what Life Insurance can do. 
A Fixed Index Life Insurance provides:
  • Safe Growth - linked indirectly to the market with no fees nor market loss potential. 
  • Tax-Free Growth - The challenge of passing a ROTH IRA, are that the rules state the ROTH must be depleted within 10 years which can make the desire to continue growing funds tax-free difficult. But with a Life policy on the children, not only is the cost of insurance less expensive but the policy will transfer from you to them upon your death, or to a trust of your choice. 
  • Death Benefit - The death benefit is always a core part of a life policy which means the cash within the policy will be less then the death benefit and be tax-free to the beneficiary. 
  • Long-Term Care Benefits - The death benefit can help the insured pay for Long-Term Care, by accessing what is called an Accelerated death benefit. Borrowing against the death benefit tax-Free. 
Having a policy on your your children who are over 18, will offer them the ability to receive Tax-Free assets and even provide a lifetime of tax-free income too. But if your under, 65, this may work on you too. There are different strategies for each. Such as Death Benefit for the kids if you pass, vs Lifetime-Income for your children with Long-Term Care benefits. Either way, you maintain control of your funds until your passing, unlike a ROTH IRA.
COMPARISON OF LIFE POLICY ON YOURSELF (if under 65)
We explore the option of having a life policy owned by you either with or without PREMIUM FINANCING based upon qualifications of income, assets or the combination there of. Premium financing is a concept that may allow you to create a bigger income stream for you or higher assets for your beneficiary. For some clients a standard Life Policy works better than a Premium Financed plan. We run the numbers to find out the strategy that works best. Now let's compare how they might match up between the two. Often when you need funds is the main decision. (THIS IS FOR EDUCATIONAL PURPOSES ONLY)
Compare on you
Vertical Divider
COMPARISON OF LIFE POLICY ON YOUR CHILDREN (if over 18)
We explore the option of having a life policy owned by you and the insured being the child. You maintain access to your funds, while growing the account with a very low cost of insurance. You can use those funds tax-free or leave them to your child should you pass. They would then have an account that would not have to be eliminated within 10 years. They could decide when and if they want the tax-free income. They would have access to the living benefits to help cover for Long-Term Care, and how much to leave to the next generation. (THIS IS FOR EDUCATIONAL PURPOSES ONLY)
Multi-Generational
These illustrations are for educational purposes only. Please refer to all insurance company illustrations for details you will need to make an informed decision. We provide these examples for you to better understand how the concept works. 
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ONLINE MEETING LINKS
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Birdseye Financial
​
136 Hillside Drive E
Burleson, TX 76028
Main # 360-722-7889
Texas # 817-704-3544
Fax #425-412-6865

​
INFO@BIRDSEYEFINANCIAL.COM

birdseyefinancial.com
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The content of the Birdseye Financial website, email, fax, social media, text messages, online meetings, and phone calls are for educational purposes only. Any material and its attachments, links, downloads, and/or any emails from Birdseye Financial employees/contractors are not intended to provide legal or tax advice. To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal or state tax advice contained in communication (via Website, Email, Fax, Text, Social Media, in person, or by phone) is not intended to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein. Please seek the advice of appropriately licensed individuals for legal or tax advice relating to your individual situation. Birdseye Financial and its employees/contractors are not tax, legal, or investment advisors and are not operating in such a manner. Any advice you receive should be taken as non-tax, not legal, and non-investment advice and only educational in nature. Should our clients need a licensed investment advisor, we recommend LifePro Asset Management. Please know investments in the market carry an inherent element of risk. No investment in the market or strategy can guarantee a profit or prevent a loss. Any illustrations used in the sales or service process are to be considered hypothetical and for explanatory purposes only. 

MEDICARE MANDATORY DISCLAIMER
“We may not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.” All calls regarding Medicare may be recorded by phone or online and a SCOPE of appointment required by Medicare will be obtained 48 hours prior to any sales meeting to discuss plan details. (NOTE - The organizations and plans can vary by state and county, we can validate these numbers upon request.)

Birdseye Financial and its employees/contractors are not employees/contractors of Medicare, the government, insurance company or any other agency. We are independent licensed agents. All calculators and illustrations shown or sent from our website, email or any other means are designed to be informational and educational only. They do not constitute investment advice. We encourage you to review your insurance and investment strategies periodically as your financial circumstances may change. On many products it is important to note that PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS OR INTENDED TO PREDICT ACTUAL PERFORMANCE. ACTUAL INTEREST CREDITING RESTULTS WILL VARY BASED ON MARKET CONDITIONS, INDEX ALLOCATIONS, AND INTEREST CAPS, RATES, SPREADS, PARTICIPATION RATES and possible Fees. The use of different time periods and funding amounts can cause results to differ from other products. Illustrations may be based on hypothetical historical data. 
 
State Licenses
LICENSES: AZ #7101306, CA #4140429, FL #W825259, GA #3621424, ID #863617, KS #7101306, MA #2176921, NV#3879853, NC #7101306, OK #3001663224, OR #7101306, TX #2695866, WA #190780. Note that in California, our DBA is Birdseye Financial and Insurance Services.


S&P 500 and S&P are registered trademarks of Standard and Poor's Financial Services LLC. No annuity or financial product discussed herein is sponsored, endorsed, sold, or promoted by Standard and Poor's Financial Services LLC, S&P Dow Jones Indices LLC, or their affiliates, and none of the Stand and Poor's Financial Services LLC, S&P Dow Jones Indices LLC, or their affiliates make any representation regarding the advisability of purchasing an insurance or financial product. This applies to all indexes used.
  • Home
  • About
    • Welcome to Birdseye
    • Who We Are
    • Risk & Portfolio Assessment
    • Request Free Consultation
  • Strategies
    • Key Components
    • Inflation Impact
    • Rule of 100
    • Sequence of Returns
    • Volatility Buffer >
      • Volatility Buffer Webinar
    • Tax Strategies >
      • Tax Free Income
      • RMD Calculator
      • IRA RMD RULES
      • ROTH IRA
      • ROTH Conversion
      • Tax Declassified Webinar
      • Qualified Charitable Donation
      • Business Tax Credit
    • Educational Webinars >
      • Taxes Declassified
      • Top 10 IRA Mistakes
      • Taxes in Retirement
      • 3 Economic Strategies
      • Five Key Areas of Retirement
    • Educational Videos
    • Documentaries
    • Recommendations
  • Planning
    • Retirement Analysis
    • Social Security >
      • Social Security Webinar
    • Pension Maximization
    • Risk Analysis and Investments
    • LifePro Asset Management >
      • LifePro Questionnaire
    • Federal Benefits >
      • Federal Benefit Kit
    • WA Retirement Systems
    • Business Tax Credit >
      • Research & Development Tax Credit
      • Employee Retention Tax Credit
      • Resources
  • Insurance
    • Medicare >
      • Medicare Questionnaire
      • Medicare Clients
      • Medicare Enrollment
      • Medicare Networks
      • PEBB Benefits
      • Medicaid Special Needs
      • Medicare Rules
      • Medicare Meetings
      • Medicare Education
    • Annuities
    • Long-Term Care
    • Life Insurance >
      • Multi-Generational
      • Premium Financed
      • Final Expense
    • Health Insurance
    • Dental Insurance
    • Vision Insurance
  • Tools
    • Financial News Blog
    • Market Index Links
    • Market Simulations
    • Required Minimum Dist (RMD Calculator)
    • Calculators
    • Professional Referrals
    • Bankrate Interest Rates
    • Rate of Return Calculations
    • Zillow Home Value
    • Slides - Intro Step >
      • Slides - Hegna
      • Slides - Strategy
      • Slides - Taxes
      • Slides - Invest
      • Slides - Buffer
      • Slides - FIA
      • Slides - Income
      • Slides - Pension
      • Slides - ALL
  • Contact
    • Free Consultation
    • Schedule Appointment
    • Online Meeting
    • Secure Upload
    • Retirement Analysis (initial)
    • Retirement Software Client Portal
    • Application
    • Beneficiary Form
    • Rate our Service
    • Refer a Friend