IQ Wealth Fortress Strategy™

The antidote to uncertainty: Guarantees from 100-year-old insurers, with Living Benefits and Tax Preferred Status.

Ready to save on taxes, access more retirement income, and reduce risk?

So are we, and now is an optimal time to get started.

The IQ Wealth Family Fortress Strategy™ will help you incorporate a new level of privacy, security, and tax advantages into your current financial plan.

There is no net cost to you, merely a shift—from lazy funds doing nothing to advance your plan—to a world class financial tool offering unparalleled estate protection. When properly built, you may benefit from tax free retirement income for life and liquid tax-free access for any purpose—with no 1099s, no RMDs, and no age restrictions. Don’t waste Section 1072 of the IRS code—put it to work for you like so many ultra-wealthy families have done.

You don’t need to be ultra-wealthy to start the Fortress Strategy, just ultra-smart.

Insurance Proffesional

EXPLORE The IQ Wealth Fortress Strategy™

Phone and In-Office Meetings Available

Would you like to grow a tax free cash reserve while protecting those you love (tax free)?  video–click here

If you own life insurance currently, are you overpaying to be under-insured?

If you own term insurance, how soon does it expire?  …Then what? Do you have a plan?

Is it time for an insurance check up?  We offer a free review and second opinion of your current life insurance.

Whether you are seeking the lowest price term insurance, or return-of-premium term insurance, or permanent protection that will never go away, we can offer you state-of-the art comparison.

Studies reveal that retirees are more concerned with running out of money than any other financial issue.

How long will your money last?  Do you know?  You should. Research by a leading USA accounting firm (Ernst & Young) indicates that  today’s retirees now face up to a 56 percent chance of income failure in their lifetimes¹, due to withdrawing against low interest rates and volatile markets. When banks paid 6 percent and retirements lasted 15 years, planning was easier.

Today, interest rates have been cut in half and retirements have doubled in length.

Once work ceases, a financial plan should provide sustained income through the death of the second spouse in our view. Markets may rise and fall, but income that is reliable, durable, and constant requires planning. The objective: no more income worries, no matter what.

In days past, retirement planning was simple.

Work for 30 years, accumulate a nest egg, then sit back and collect 6 percent interest. Clearly, we live in a “new normal,” with interest rates at unheard of lows, and the stock market volatile. The advisor that gets you to retirement may not be the right one to get through it.

Life insurance can play an expanding role in the modern day retirement portfolio. Why? With bank accounts and bonds paying so little, it is possible to find yourself over-committed to funds paying you near zero. Rather than letting such a large part of your portfolio cause stagnation of your plan, new forms of life insurance–with zero surrender charges–may keep your retirement capital liquid, yet with estate planning and long term care benefits you simply cannot find from Wall Street.

In the past, life insurance had only one feature: if you died “too soon” your beneficiaries received a tax free lump sum of money. Today, policies exist with “living” benefits. You can actually build up and create a future lifetime income, and then take that income TAX FREE for life–IF you have the right kind of policy.



  1. Term (temporary need through age 49)
  2. Return-of-Premium Term (all premiums returned to you at the end of term. This is a viable choice for ages 45 to 60)
  3. Cash Value dividend paying whole life (age 25 to 55)
  4. Cash Value indexed universal life (age 25 to 72)
  5. Permanent Guaranteed death benefit life, fully paid up for life after 1, 5, 7, 10, 12, or 15 years of premiums. (insurance that will never “run out”) Age 45-80)
  6. “Liquid” cash value life insurance indexing interest, and with options for convertibility to long term care.
Retirement Travel


But if you are looking to create outcomes that are lasting and permanent, term can be the most expensive. If it expires when you are 40, 50, or 60, and you still want to protect your family or spouse when you are 70,80, and 90–you will find term to be cost prohibitive in many cases.


But the key problem with term is that it keeps getting more expensive upon renewal at the end of every term–and you have to die to get any benefit! (no fun.)

In a sense, you are betting AGAINST yourself. With permanent cash value life insurance,  that pays living benefits for long term care (by converting the death benefit to long term care benefits) you are betting ON yourself.


The fact that income may be tax free, is so much the better. This process can be referred to as “overfunding” a policy and is not only accepted, legal and viable — it is becoming a more common method of achieving retirement goals.

ow do you know which is right for you? How can you compare without sales pressure?   For an experienced insurance advisor who works with a fiduciary duty, we can help.

For our team, it is relatively easy to help you sort out the many options you have and zero in on what you actually need. It’s what we do, and we have been doing it for 20 years+.


“Living benefits” now include

  1. Provisions for long-term care funding with NO ANNUAL PREMIUMS and RETURN OF PREMIUM if you end up not needing the care.
  2. TAX-FREE INCOME:  Properly “overfunding” (also known as “max funding”) a cash-value policy may result in exceptional income — income that can be tax free when properly arranged.
  3. Insurance guaranteed for life, with return of premium if you prefer:  You can now choose policies that can guarantee your death benefit for a lifetime, including LTC benefits, yet enjoy a RETURN OF PREMIUM if you decide you no longer need the insurance, and want a return of your money, instead.


Is term insurance really the lowest cost insurance, or simply the cheapest?

With term, you are renting a policy. With permanent, you own it.

Life insurance companies make lots of money on term insurance because MOST PEOPLE DON’T DIE with in the term.  You pay, pay, pay, and hope its the worst investment you ever made.

When you were younger and struggling, term insurance was the low-budget way to take care of your family. As you reach your mid 40s, 50s, 60s and 70s, however, term becomes more expensive and you may be looking for cost-effective ways to accomplish financial goals on a permanent ownership basis, rather than renting a policy and seeing that money go down the drain one day. Term has its place, but not if you are looking for long-term solutions.

What Is Life Insurance?

The most basic answer is this: life insurance is a financial tool that helps you safeguard your family’s future. However, that would describe only one type of life insurance. Today, life insurance has expanded its capabilities and can provide retirement income, a viable alternative to risky investments when building a financial plan and a way to fund long-term care planning.

In the past, life insurance was not something you would buy for yourself. It was something you would buy so your family was protected after you pass away. It still can fit that bill better than any other holding, dollar for dollar.

Today, with proper design, your dollar can go even further. A cash value life insurance policy can be a strategic way to diffuse the tax time bomb on IRAs and 401(k)s, converting taxable risk capital into powerful guaranteed benefits and cash that a traditional Roth IRA conversion is simply incapable of. Rather than a one-dimensional taxable investment that is market reliant, own a guaranteed asset from a powerful insurer that can multiply your estate.

The newer forms of life insurance offer multiple benefits not seen in the past. And because insurance companies are benefiting from longer lifespans, the cost of insurance has come down significantly over the past 20 years.

The primary purpose of life insurance is the death benefit, but the ancillary benefits are now too strong to ignore.

You may be pleasantly surprised to learn that the cost of permanent protection can be built into your overall financial plan without strain. Many are even using cash value life insurance as a Roth IRA alternative — systematically transferring taxable assets from traditional IRAs into cash value or lifetime guaranteed life insurance with long term care living benefits. It is a proven winning combination.

If fortifying your estate in case of your early passing is the primary concern, you will never be younger than today and therefore the cost of insurance may never be lower for you than today. It’s hard for anyone to think about death, but proper planning requires it. Will your family be able to maintain their desired lifestyle in the event of your untimely death? Will there be funds to pay any remaining debts? Will they be able to complete your special goals, such as the education of a child or grandchild? How can you be sure that your present financial plans and existing assets and savings are sufficient?

By asking a few confidential questions, I can help you zero in on the most cost-effective way to arrange your estate for protection, privacy and wealth preservation. We’ll get together and chat while I gather the essentials for an analysis. The analysis will examine your cash flow now, and what your potential shortfalls could be in the future. We can stress-test your current plan and bolster where necessary. Our goal is not to spend your money, it is to reduce your costs and put you in a stronger financial position.

This analysis will help you plan and identify which assets may be currently lazy or ineffective. Together, we can determine if they can be better utilized without putting any strain on your pocketbook.

Today, there are many innovations in life insurance from companies that have over a century of building and protecting wealth for families throughout the United States. Living benefits and cash accumulation have made life insurance a versatile and effective tool for planning not only for what happens after you’re gone, but for addressing income and emergency spending needs while you are very much alive.

Retirement income planning can include specific forms of life insurance where we take the time to design the policy with a lower death benefit and lower agent compensation from the insurer, in order to emphasize the enhancement of cash value and accumulation within the policy. Exceptional indexing and dividend paying options are available. Most people are surprised by the accumulation and

When Only the Best Will Do

As a fiduciary, we work only one way:   your interests come first. As an insurance professional, I am very picky. I work with a team of skilled and experienced professionals to design your policy. I also interact regularly with the advanced planning departments of top companies like Pacific Life, TransAmerica, North American, Lincoln National, Mass Mutual, Penn Mutual, the Guardian and Allianz, to name a few. Together, you and I can get this done. Ready to take the next step?  Whether for you, personally, or for a defined benefit plan for your business, call me to arrange for your detailed  analysis.  There is no charge to meet and discuss your goals.  (480)902-3333

We maintain two divisions: securities and insurance.

Fee-based investment advisory services are provided by IQ Wealth Advisory, LLC, a Registered Investment Adviser. Insurance and annuities are provided by IQ Wealth Management–Insurance Division.

Annuities are insurance-based financial vehicles designed not for growth but for income preservation and sustainability. Annuities are not FDIC insured and may have surrender charges for a period of time. Generally, a partial withdrawal of 5 to 10 percent is allowed annually, penalty free. The annuities we recommend waive all surrender charges upon death. All guarantees rely on the financial strength and claims paying ability of the issuing insurer. At IQ Wealth, our policy is to require at least 100 years of successful track records and strong ratings for any insurance company we recommend.

Income riders are a means to enhance the income benefits provided by the underlying annuity contract. A discussion regarding whether an annuity would meet your needs and objectives should take place, before deciding if an income rider is appropriate.

The primary purpose of life insurance is the death benefit. While life insurance provides many potential tax benefits, always
confirm your tax situation with your tax preparer. We are always ready, willing and able to work with your tax and legal professionals to advance your position.