713-392-7128
National Producer Number 8502950
My name is Suzanne Quaranta I’ve been a licensed agent for over 17 years helping families achieve their financial goals. Our purpose is to help everyone achieve their financial future through the power of compound interest. Using vehicles like Indexed Universal Life (IUL) and Fixed Index Annuities (FIA) which participate in the market gains but not the losses. We call this safe retirement, market protected or smarter/safer way to grow your money.
Whether your 18 or 70 years old, we can help you. Remember, it's better to get started now than never at all. My goal is to educate as many families as possible to know there are great ways to grow your money without market risk. Of course, the younger we start, the better we can do for your future. Let us teach our kids, grandkids, and young people to start now!
Child Indexed Universal Life
An IUL is a perfect way to setup a college fund. If they decided they don't want to go to college there are ZERO government restrictions on what the money is used for. It can be used for first car, college, a wedding or a down payment on their first home, it doesn’t matter. With their IUL, they can do that with no penalties and they can actually use every dime of it… TAX-FREE!
Tax Free Retirement
Fact about an IUL
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You don't have to wait to be 59 1/2 years old to use your money.
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You Never pay tax on your gains.
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There is no percentage of income limit on how much you can contribute.
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There are no penalties or fees for using the money while saving for retirement.
HOW CAN I BE MY OWN BANKER (BYOB) VIA AN IUL?
HOW CAN I SETUP MY CHILDREN'S FUTURE VIA AN IUL?
Annuities (FIA)
When you borrow from your IUL your money actually never leaves your account. It remains in your account compounding interest while you use the money somewhere else. The collateral is the death benefit. The interest you pay on the loan comes back to your accout as you pay the interest to yourself. You now become your own bank! You can do this over and over calling it infinite banking. Banks borrow from the Fed and loan it to you at a higher rate and make the spread. Now, you get to handle your money via an IUL just like the banks do. Plus all this is TAX FREE!
Children as young as 2 weeks old can have an IUL set up for them. With time on their side, you can generate enough money to send them to college or make a healthy down payment on their first house while also teaching them about money. A newborn can be a millionaire before retirement age with surprisingly low monthly contributions.
Are you concerned with market volatility? You can have your savings/401k earnings protected in an instrument that ONLY participates in market upswings and NOT the downswings and provide lifetime income that you won't outlive.
Annuities can be a part of your retirement strategy and also an option if your health prevents you from getting an IUL.
Get in Touch
713-392-7128
sueq@suzyqfinancial.com