Wealthy and Wise

With Wealthy and Wise,

You Can Easily Build the Following Financial Models:
 

Scenario #1:  This is the status quo where you enter the client’s existing assets, liabilities, and future retirement income needs.  You will also enter investment return and tax assumptions.  Then, you can project into the future and show how the client’s liquidity and long-term net worth grow or shrink over time (and if they run out of money during retirement, most client’s #1 fear).

Scenario #2, #3, #4, etc.:  Here, you can make your recommended changes to the client’s investment, retirement and estate plan (when applicable) and show whether your suggestions will improve the client’s long-term results (more income, higher net worth, lower estate taxes, etc.).  Your suggestions could be to have the client work a few more years, or reduce their spending.  It could also include switching some of their mutual funds to a Universal Life policy or a life income annuity for higher income and lower risk. You become the coach and analyst for how your client will plan a successful and safe retirement (including reviews at least annually to monitor results and consider new alternatives).

Of course, you will have some clients that have sufficient wealth they don’t fear running out of money during retirement.  However, these clients have a different problem and are wrestling with estate taxes, trusts and how to make sure that their wealth goes to the people or causes most important to them.  

See the video below showing how one of the top advisors in the country uses Wealthy and Wise with this type of affluent client.

Ricardo Garcia with FFG Shows the Power of 
InsMark’s What-If Calculator
to Protect Clients Current Savings and Future Work Income
(A Perfect Introduction to Wealthy and Wise)

Wealthy and Wise Net Worth Analysis

Show your clients their retirement options side-by-side

Bad Logic   Net worth if you withdraw assets inefficiently Age 95 Net Worth:  $3,700,000 One of the greatest features in Wealthy and Wise is its ability to optimize your client's Net Worth simply by testing the best order in which your client should use their assets to fulfill their precise financial goals.  This is a detail that is almost impossible to calculate manually and is typically ignored.  As you can see in the report below, spending the assets in an un-optimized order (listed top left) will result in a Net Worth of a little over 3.5 million dollars at the end of the Analysis.  Not bad, HOWEVER ...		Good Logic   Net worth if you optimize asset withdrawal Age 95 Net Worth:  $15,000,000 ... Wealthy and Wise's unique optimization ensures the client's Net Worth is maximized.  In the case below, the optimized Net Worth is significantly increased by over 11.5 million dollars to a total Net Worth of over 15 million.  WOW!   This feature alone proves the value of a Wealthy and Wise Analysis for your clients (and your commissions), thus making the purchase a "no-brainer".

Review the full case study here

Or;

Download the full case study to your computer.

Questions? Contact Julie Nayeri at InsMark (julien@insmark.com or 925-543-0514)

Wealthy and Wise® (Advanced) includes all the features in Wealthy and Wise® plus these current features:

• Intentionally defective grantor trust (IDGT)
• Gifts of current liquid and illiquid assets to the IDGT
• Discounted sales of illiquid assets to an IDGT
• Include single life and survivor life insurance in the IDGT
• Grantor access to the IDGT using withdrawals from specific assets
• One-click calculations for charitable bequests of specific liquid and illiquid assets
• One-click calculations for Zero Estate Tax plans