S.M.A.R.T. Retirement Planning

You CANNOT get a loan for retirement…

You CAN get a loan to pay for a vacation, a new car, a new home, college tuition, private school tuition, plastic surgery…but you CANNOT borrow for retirement. So don’t delay!!!

The 3-Legged Stool of Retirement


Fewer companies are offering retirement benefits these days – and for those that do, many are scaling back their plans. Will your pension be enough?

Social Security

It started out with 40 workers contributing for one retiree in 1940’s, now it’s 3 for one. Do you think there’s still Social Security when you retire?

Personal Savings

38 millions Americans live paycheck to paycheck. And only 59% of adults says they have savings. Do you have enough savings?

<center>maximize retirement savings and tax benefits, and create an endless stream of retirement income. </center>

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Tax now


Brokerage account

Certificate of deposit

Checking account

Savings Account


Tax later





Thrift Savings Plan (TSP)

Traditional IRA

Tax never


Life Insurance

Health Savings Account



Related article: Tax-free Retirement

<center>The rule of thumb is you’ll need twenty (20) times of your current annual income for a comfortable retirement.</center>

Long Term Care Insurance

Estate Planning

Final Expenses

Are you also saving for college?

Why You Need Final Expense Insurance?

Final Expense Insurance should be part of every solid financial plan

It’s 2am in the morning in the hospital, a loved one just passed. The nurse asked you, “What do you want to do?”

Who would you call?

Have you ever planned a funeral?

How much do you think a funeral cost?

Do you have the money to pay for a funeral?

Can you imagine just one phone call, a 24/7 concierge will take care of all the funeral details for your loved ones that you left behind, so they can take care of what’s important, such as younger children, grandchildren, etc.

Final expense insurance allows you the luxury to plan ahead so your loved ones do not have to make rash decision mixed with emotional turmoils.

Final expense insurance is affordable. You can start with as little as $2 a day, that’s cheaper than a latte a day.

Being up-sell by funeral homes at last minute will cost a lot more.

A final expense insurance will provide a bridge fund in as little as 48 hours until your life insurance pays out, which usually takes 3-4weeks. Funeral home wants the money now. You don’t want your loved ones to go into debt while waiting for life insurance to pay out.

Everest Final Expense Insurance is More Than Just Insurance. It’s everything you need to make sure you loved ones are taken care of after your passing.

- 24/7 Concierge service who research and negotiation on your loved ones’ behalf so they can take care of more important things, such as young children and grandchildren.

- Planning tools that give you the luxury to plan your funeral ahead with no urgency.

- Tenzing, a highly secured cloud-based data vault, for you to keep all your important documents, such as will, trust, life insurance policies, photographs, etc, in one safe location.

- Funding for funeral expense pays out in as little as 48-hours to your beneficiaries directly (not to the funeral home).

Everest Final Expense Insurance is Easy to Apply and Affordable

- Age limit up to 85 yeas of age.
- No medical exam needed.*
- Start as low as $5,000 coverage for less than the cost of a latte a day.
- Premium never goes up.
- Immediate benefits or return of premium options.*
- Pays out to beneficiaries in as soon as 48-hour.
- Tax-free proceed to your family.

If you already have pre-paid funeral plan purchased over 10 years ago, now is a good time to review your plan. Funeral home expenses have significantly changed over the years, and many items may not be covered.

Remember, final expense insurance is not just for old people. It’s for everyone. We’re not as invincible as we thought, and we never know when our time is up.

*certain restriction and requirement may apply.