Team 4K Financial

Let me provide you a financial solution that will meat your retirement need, cash accumulation, asset protection and long term care all in one shot as a result of saving that hard earned money.

September Surge Tour (Day 1)

Day2: G21 Conference “Building Forward”
Protecting your asset and preserving your legacy is a sound financial goal for every one who work hard for their families.

Applied knowledge is power. Financial literacy comes out financial independence. Just submitted a financial solution for a 34yrs old client. Saving 316/mo.

Guaranteed upon approval:
Growth .075-15% annually. Losses free.
Face Amt: $400000 tax free
LTC: $8000/mo indemnity tax free

Hypothetical return:
$380000 after 26 years tax free.
Face amount grows to $7800000 after 26 years tax free. A long term care fund of $15,600 per month tax free when needed at 70 yrs old.

Tips for Choosing Funeral Insurance Plans

http://www.inboundmlmsuccess.com/blog/index.php/2020/03/19/tips-for-choosing-funeral-insurance-plans/

Funeral insurance is a kind of insurance specifically designed to provide for the costs associated with burial and interment of a deceased loved one. It is also referred to as burial, final expense or pre-need insurance.

For death is inevitable, it is a smart move to pre-plan this event. With a funeral insurance plan, not only does it make sure that one’s funeral is arranged and paid for in advance but also it unburdens and helps ease the stress of the family members or beneficiaries left behind. Basically, it’s a pre-paid arrangement so families or beneficiaries left behind only have to follow the plan as it is laid out.

Funeral insurance plans vary from the traditional whole life insurance, that includes funeral expenses or life insurance just intended to cover all of funeral expenses, to pre-need contract, policies or agreements that only cover funeral expenses.

Most insurance companies allow a coverage that includes any family member in the event that they should go first before the policy holder.

Most insurance companies include a funeral insurance cover of up to $15,000 with no medical requirements. This means that if you have health issues and have been rejected for other types of insurance before because of these, you will still be able to get some cover in place for your family with a funeral plan.

Generally, funeral insurance plan cost depends on the type of policy or contract bought and the age. Premiums can start from as low as a few dollars that can be paid weekly or fortnightly, monthly or yearly or a lump-sum payment (especially for people who are of retirement age).

The funeral insurance coverage may determine the kind of payment schedule plan. Variations may range from the single-premium policy where a lump-sum payment is made once. One can also have immediate coverage for the full death benefit or the graded death benefit where coverage amount increases over time. Also, there is the traditional whole life policy where the amount of coverage remains the same as long as payment of premiums is regularly paid. However, coverage ends once one stops paying.

There are many insurance companies and policies for funerals out there, so it is important to choose the right one. Here are some tips for considering funeral insurance:

Before buying a funeral insurance plan, find out first whether you already have a life insurance that includes funeral expenses or other savings that may be used for funeral expenses. Don’t buy an insurance plan unless it is necessary.
Make a research and review your state’s laws on pre-need insurance before you meet with a planner at a funeral home. Make sure to have a discussion of your burial policy with your family and lawyer.
Do a thorough research on the different funeral insurance companies out there and options.
Take note that funeral insurance policies have a “free-look” period. This could be from 30 to 60 days where one is entitled to review the policy purchased and cancel the policy without penalty if you decide that you don’t totally approve of the plan.
Like everything in life, use caution in buying a funeral insurance plan. Make sure to review all its details, its terms and payment and its schedules. Be sure that you understand them.

Guido Andrada has all your insurance information from life insurance to funeral insurance and is the goto guy on your insurance needs in West Palm Beach, FL. Let him guide you through the process of finding the right insurance for you and your loved ones. Call him at 561-779-4559.

Tips for Choosing Funeral Insurance Plans - Guido Andrada's 4K Financial Blog Funeral insurance is a kind of insurance specifically designed to provide for the costs associated with burial and interment of a deceased loved one. It is also referred to as burial, final expense or pre-need insurance.

Save The Money Or Pay Off The Debt? - Guido Andrada, WFG – Believe in a Better Financial Future On one hand you may have some debt you’d like to knock out, or you might feel like you should divert the money into your emergency savings or retirement fund.

Another financially educated 37 yrs old female took action to prepare for her financial future by gradually saving her hard earned $$$.

How mush savings? $142 per month
What are the benefits?

1. Guaranteed growth up to 15% and a floor of 0.75% annually on contribution.
2. $150000 guaranteed immediate available fund tax free for Long Term Care when needed
3. Guaranteed $150,00 tax free legacy to her child.
3. A potential $200000 retirement supplement tax free.
4. A potential $8000/mo up to $350K tax free Long Term Care fund when needed after retirement.
5. $150000 guaranteed cash if diagnosed with terminal illness.
8. Guaranteed significant portion if critically ill.

www.wfgconnects.com/guido-andrada

When you know how money works, you will make your money work for you. Congratulations to a friend. Contract just got approved today by an A++ rated financial company.
What's contributed? $238 per month until retirement.
What are the benefits?
1. $500,000 guaranteed immediate available fund tax free for Long Term Care when needed
2. Guaranteed $500,000 tax free legacy to a beneficiary.
3. A potential $600,000 retirement supplement tax free.
4. A potential $22,000/mo up to 1M tax free Long Term Care fund when needed after retirement.
5. Guaranteed growth up to 15% annually on contribution.
6. Guaranteed floor growth of 0.75% annually on contribution. It's twenty-five times higher interest than most banking institution can offer to your savings account.

www.wfgconnects.com/guido-andrada

Helping my teammate Amy Huyn present a financial education to her prospected client. FFIUL vs. RothIRA, which is a better investment? The client preferred FFIUL than RothIRA. it’s a better financial solution for his hard earned money. Unlike RothIRA, FFIUL has guaranteed benefits and better growth with no risk of losing your money. It is also tax free loans and withdrawals.

www.wfgconnects.com/guido-andrada

Hosting financial education to a friend from Lake Wales, Fl. Thanks to my ever supportive mentor Becky Espulgar who always there whenever I needed for support. Amidst COVID-19 business continues to grow, financial education moves forward.

Should You Buy Or Lease Your Next Vehicle? - Guido Andrada, WFG – Believe in a Better Financial Future Auto leasing has been popular for several decades, but many people still aren’t sure about the sensibility of leasing vs. buying a car, how the math works, and which is really the better value.

When Should You Start Preparing For Retirement? - Guido Andrada, WFG – Believe in a Better Financial Future You might think that deciding when to start preparing for retirement requires complicated algorithms. Yes, there may be some math involved – but the simple answer is – if you haven’t started preparing yet, the time to start is right now!

Hosting a zoom live webinar tonight participated by 67 associates in the financial industry from all over US. It was great to learn from two veteran guest speakers. 1st speaker trained us about Executive Bonus policy. A business owner or his key employee can have life insurance and the premium paid by a company is tax deductible from the business. 2nd speaker inspired us to have the ability to make time for the business as most of our associates like me are just doing the business in the financial industry in a part time basis. If you want to grow big you have to make time and use that time to build the business and help people find financial solution, that simple.

www.wfgconnects.com/guido-andrada

Do you know that a 30 years old man can leave a quarter million dollar $250,000 life insurance for his family for only $25 a month for 30 years.

He can take the whole amount $250,000 if diagnosed with terminal illness. A portion of it if critically ill. And 24% or $60000 of it if with chronic illness?

Now that's a life insurance for a living not for the dead.

www.wfgconnects.com/guido-andrada

The Advantages Of Paying With Cash - Guido Andrada, WFG – Believe in a Better Financial Future Just swipe and go. Even more so for their mobile phone equivalents. We like fast, we like easy, and we like a good sale. But are we actually spending more by not using cash like we did in the good old days?

4 Easy Tips To Build Your Emergency - Guido Andrada, WFG – Believe in a Better Financial Future Without an emergency fund, you can imagine that an unexpected expense could send your budget into a tailspin. That’s why building an emergency fund is so important. You CAN do this!

Should You Live With Your Parents? - Guido Andrada, WFG – Believe in a Better Financial Future Data found that 37% of Californians and close to 1.9 million people in Canada between 18 and 64 live with their parents (1 & 2). That might not sound ideal, but is it really that bad? Here are some pros and cons to consider before deciding to move back home.

https://youtu.be/GNdp2PtJ6mc

G20 speaker announcement: Harrison, Coughlin & Brennan Announcing our first set of amazing speakers: Scott Harrison - Founder of Charity: Water, a non-profit organization bringing clean and safe drinking water to...

A financial strategy is many things.

Financial Plan - The Importance Of Having One - Guido Andrada, WFG – Believe in a Better Financial Future It’s not just a budget. In fact, a solid financial strategy is not entirely based on numbers at all. Rather, it’s a roadmap for your family’s financial future. It’s a journey on which you’ll need to consider daily needs as well as big-picture items. Having a strategy makes it possible to s...

Setting aside a few minutes every day to spend on your finances has the potential to make a huge difference in the long run.

Boost Your Daily Routine with These 3 Financial Habits - Guido Andrada, WFG – Believe in a Better Financial Future But as you head out for a night on the town with friends or maybe cuddle up next to your kids to watch their favorite movie, did you ever consider how you spent your after-work time during the week?

SO much going on now amidst COVID-19. It change everything even in the financial industry. Tomorrow April 17 starting 11:00 AM eastern time there will be financial literacy campaign through a zoom webinar. You will learn how money works, how to save money properly, protect your family from financial disaster, plan for your financial future. All in just 1 hour Zoom live webinar. Free for all. It will be conducted not by me (on the photo) but one of our colleagues from Chicago.

Morning Habits You Can Start Tomorrow - Guido Andrada, WFG – Believe in a Better Financial Future But it doesn’t have to be like this. The morning hours can be times of relaxation, focus, and self-improvement. Here are a few practical habits that can take your mornings from pointless to productive!

How to Budget for Beginners - Guido Andrada, WFG – Believe in a Better Financial Future But that doesn’t stop “budget” from being an intimidating word to many people. Some folks may think it means scrimping on everything and never going out for a night on the town. It doesn’t! Budgeting simply means that you know where your money is going and you have a way to track it.

COVID-19 leaves us this.

Are You Prepared For A Rainy Day? - Guido Andrada, WFG – Believe in a Better Financial Future Unexpected expenses, market fluctuations, or a sudden job loss could leave you financially vulnerable. Here are some tips to help you get ready for your bank account’s rainy days!

Should You Get Rid Of Your Credit Cards? - Guido Andrada, WFG – Believe in a Better Financial Future On average, each household that has revolving credit card debt owes $7,104 (1). It might be tempting to see those numbers and decide to throw out your credit cards entirely. After all, why hang on to a source of temptation when you could make do with cash or a debit card? However, keeping a credit c...

Now’s the Time for Future Planning - Guido Andrada, WFG – Believe in a Better Financial Future Not a penny withheld. No taxes to file. No stress about saving a “million dollars” for retirement. As a kid, doing household chores or helping out your friends and neighbors for a little spending money was vastly different from your grown up reality – writing checks for all those bills, paying...

Do I Need Life Insurance? - Guido Andrada, WFG – Believe in a Better Financial Future It helps protect your family during the grieving process, gives them time to figure out their next steps, and can provide income to cover normal bills, your mortgage, and other unforeseen expenses.