Mario Fragomeno

If you make $75,000 per year, don’t spend $85,000 per year.

If you make $100,000 per year, don’t spend $120,000 per year.

If you make $250,000 per year, don’t spend $280,000 per year.

No matter your income, always live below your means.

The power of compound interest...

Rosa from Age 20 to Age 30
-Invests $1000/month
-Contributes $120,000 over the 10 Years

Laura from Age 35 to Age 65
-Invests $1000/month
-Contributes $360,000 over 30 Years

Total at Age 65 with an 8% annual return
-Rosa $2,700,000
-Laura $1,400,000

Start investing today.

It doesn’t matter if you can only invest $50, $100, or $500 per month.

What matters is you invest.

Invest $500/month for 30+ years and you should have $1,000,000+

and you will only have to invest $186,000.

Compound interest is a beautiful thing

The goal is to optimize retirement income — ensuring the money doesn’t run out.

But the question of how to do that isn’t easy to answer.

Learn more.

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The power of compound interest is amazing, start investing today, and see the difference it makes in 10 years.

S&P 500 performance:

-18.2% (2022)
+28.7% (2021)
+18.4% (2020)
+31.2% (2019)
-4.6% (2018)
+21.7% (2017)
+12% (2016)
+1.3% (2015)
+13.5% (2014)
+32.3% (2013)
+16% (2012)
+1.9% (2011)
+15.1% (2010)
+26.4% (2009)
-36.8% (2008)
+5.1% (2007)
+15.9% (2006)
+4.8% (2005)
+10.7% (2004)

Imagine this…

The year is 2030 and you have:

- Family protection
- No revolving debt
- Multiple streams of income
- $100,000+ investment portfolio
- A clear path toward financial freedom

Life is great.

https://www.linkedin.com/posts/mario-fragomeno_the-benefits-of-permanent-life-insurance-activity-7076428135839207424-mrX8?utm_source=share&utm_medium=member_desktop

Did you know?

-Secure protection
-Create a legacy
-Ensure a future for your family

The Benefits of Term Life Insurance:

-Peace of Mind
-Temporary Coverage of 10, 20, and 30 Years
-Flexibility in coverage and duration
-Affordable premiums
-Income Replacement
-Debt Repayment
-Supplemental Coverage

It's important to note that term life insurance only provides coverage for a specific period, and if you outlive the term, the policy expires without any payout.

Happy to help. Ask me for a quote

How much you need to invest per month to become a millionaire:

per the historical return of the S&P500

-5 years: $15,000
-10 years: $5,500
-20 years: $1,500
-30 years: $510
-50 Years: $75

Are you ready to take your career to the next level? We have exciting opportunities waiting for you! Join our dynamic and innovative agency and be a part of something extraordinary.

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You must invest your way to retirement.

The S&P 500 index is officially in a bull market.

A bull market is when the stock market moves +20% up from its previous low, which the S&P 500 hit in October 2022.

Today, the S&P 500 index is up +20% since its October 2022 low.

Want to build generational wealth?

Think about your own mortality as it's important to act sooner rather than later.

Giving your beneficiaries a tax-free death benefit is one of the great ways to build generational wealth.

How I protect my family with life insurance:

$500,000 Term 30-Year with AIG
$1,200,000 Term 30-Year & Living Benefits with Transamerica
$300,000 Permanent Indexed Universal Life (IUL) with LSW
$600,000 Permanent IUL & Long-Term Care with Nationwide

$2,600,000 Total Death Benefit

Your coverage at work is not enough. Ask me why.

Pay Yourself First

The average millionaire saves and invests about 64% of their income.

Never live bigger than your paycheck.

Instead, use your paycheck to invest in your future.

Live like an undercover millionaire today to be a millionaire tomorrow.

Ask me how

Dreams Start Here.

Book a 1:1 Consultation

-Tax-Free Strategies
-Life Insurance
-Annuities
-Long-Term Care
-Retirement Planning
-College Education Planning

Smart decisions, smart goals.

TA WFG

You're much closer than you realize. Learn how.

Mario Fragomeno on LinkedIn: 5 Ways to Achieve Financial Freedom You're much closer than you realize. Learn how.

Dreams Start Here.

Book a 1:1 Consultation

-Tax-Free Strategies
-Life Insurance
-Annuities
-Long-Term Care
-Retirement Planning
-College Education Planning

Smart decisions, smart goals.

Mario Fragomeno - Senior Advisor - Transamerica Financial Advisors, Inc. | LinkedIn I can help you. Message me to maximize your retirement and a free quote for life insurance and long-term care. I provide advice and guidance to individuals or businesses on matters related to retirement planning, investment strategies, life insurance, long-term care, and tax planning. My pri...

Your $5 contributions will turn into $50 contributions

Your $50 contributions will turn into $500 contributions

Your $500 contributions will turn into $5,000/month withdrawals.

The power of building a habit

Do not believe in the myth that only the wealthy can invest in the stock market.

Low-cost investments options allow anyone to start investing and growing their wealth over time with compound interest

Don't let this myth hold you back from reaching your investment goals

Here's when you may want to consider buying term life insurance:

- You're young
- You have kids
- You have debt
- You're married
- You're in relatively good health
- You're the primary breadwinner
- You want to keep insurance expenses low
- You own a business & have partners

DM for a free quote. Cheers!

Coping with financial stress? Here are some tips to help.

Coping with Financial Stress Coping with Financial Stress Financial stress is a common issue that can harm your mental and physical health. If you're struggling with financial stress, it's vital to take steps to cope with it and get your finances back on track.

Anyone can build wealth.

You just have to be patient and put in the effort.

In 2019, a lack of financial literacy cost Americans more than $307 billion.

Financial literacy teaches you how to:

- Earn
- Save
- Invest
- Spend
- Borrow
- Protect

Improve your financial literacy today.



Save money tomorrow.

Don't forget about your parents! Especially when it comes to Long-Term Care protection and final expense coverage.

5 Ways to Achieve Financial Freedom



https://www.linkedin.com/pulse/5-ways-achieve-financial-freedom-mario-fragomeno%3FtrackingId=DjA2BjbTJ0f26KQaHDqILg%253D%253D/?trackingId=DjA2BjbTJ0f26KQaHDqILg%3D%3D

*Case Study*
Male: Age 39

Debt: $20,000
Income: $80,000/year (Needs 8-10x of income)
Mortgage: $300,000
Education: $200,000 (Future education cost for children)

Total Amount of Life Insurance Needed: $1,320,000

30-Year Term with Living Benefits:
$145/month for 30 Years

Do you have enough coverage?

Ever thought about retiring early?