James A. Hopper, RFC

Our independent team with Money Concepts helps people live their financial lives by design and not by default. We believe in helping people with anything with a dollar sign. If we can’t do it, we know somebody that can get that done for you. The easiest referral for us are people in transition. That could be people moving into the area, getting married or divorced, having children, changing jobs, growing a business, and inheriting money. We can assist with:

• Holistic Financial Planning
• Retirement Planning
• Retirement Income Planning
• Legacy Planning
• 401(k) Design and Set-up
• Executive & Company Benefits
• 401(k) Rollovers & Consolidations
• Business Succession Planning
• 529 Plans
• Life & Long-Term Care Insurance
• IRAs & Roth IRAs
• Debt Management

We also help high income earners that would like to retire early leverage their way to a 60-100% bigger retirement with no future tax consequences. If you don’t want to wait until 59.5 access your retirement accounts, or later to get Social Security or a pension, contact me for a quick demonstration over Zoom to learn how you can grow your retirement using leverage.

• No market or volatility risk
• No capital risk
• No contribution limits
• No minimum age for distributions

If you’ve purchased a home with a mortgage, you understand the power of leverage. Now, you can leverage your way to a bigger retirement! In this plan, you make a premium payment for the first five years only. At the end of 15 years, you can start taking tax-free distributions, or you can let it become a dependable, tax-free income stream in retirement that is 60-100% larger.

• No credit checks
• No collateral
• No loan documents
• No personal guarantees

This plan has been stress-tested extensively using:

• Normal market conditions
• High interest rates and inflation from the 1980s
• The Great Depression Era when 9 of the first 12 years had negative returns

In each of these situations, the plan still works! The policy is guaranteed to never go down in value, and is placed into a trust, completely protected it from creditors and litigation. The only real downside to this plan is that your money is tied up for at least 15 years. This program is for anyone between ages 18-65, making a larger income, needing a place to invest money outside of their retirement accounts. These plans are also use for business compensation plans and split-dollar agreements.

INDEPENDENT CONTRACTOR OF MONEY CONCEPTS INTERNATIONAL, INC. All securities through Money Concepts Capital Corp. Member FINRA/SIPC.