Tax-Free Income; How do I do this?

We start by comparing your Traditional Retirement Plan to an Index Universal Life (IUL) plan. Let the numbers speak for themselves!

Watch Now: learn why an IUL may be right for you!

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RETIREMENT COMPARISON

Compare the Four Most Important Aspects of Your Retirement Plan

Market Volatility

Just how exposed to the market is your retirement plan? Discover how you can protect your retirement earnings from negative returns. IUL's prevent market loss and never credit less than zero. Compare the effects of market losses on your current retirement plan to an IUL.

Income Longevity

How long will your income last? A recent study showed that the average 401(k) will run out of money only 7-8 years into retirement. An IUL has the potential to provide income until you are 120 years old! Take a look at the numbers and compare how long your current retirement plan will last in distribution vs. an IUL.

Tax Deferred vs. Tax Free

Although most retirement plan options allow for Tax Deferred growth, the majority of them tax 100% of the income you take in retirement. That means that you can potentially lose hundreds of thousands of your retirement dollars to taxes. With an IUL, you not only get Tax-Deferred growth, you can also take Tax-Free retirement distributions. Compare the tax savings with an IUL vs. your current retirement plan.

FEES

A recent study showed that retirement plan fees can range from 3% to 5%. Just a 1 percentage point difference in fees can dramatically reduce the size of your nest egg over time. Compare the fees in your current retirement plan to the fees in an IUL to see for yourself just how much you can save.

"Contact me to learn how to take advantage of guaranteed annuities to generate lifetime income during retirement"

hhummel

 

 

Your IFL Agent

Hayes Hummel

Phone: 615-646-7357
Email: hayes.hummel(at)comcast.net

Over the past 14 years... Hayes has served the community by concentrating on three specific areas within the financial services industry:  assisting his clients in protecting their retirement dollars from losses due to market volatility, setting up guaranteed lifetime retirement income streams for his clients, and showing them how to protect their families from financial devastation with sound life insurance planning.  He has clients all over the great state of Tennessee from Memphis to Nashville to Knoxville and many points in between.

The Hummel Agency has been in business since 1999, and currently enjoys an A+ rating from the Better Business Bureau of Middle Tennessee.  Hayes understands the importance of asking the right questions (and listening) before making recommendations, he places a high value on following through on his commitments to his clientele, and returning phone calls in a timely manner.  He is "proud to be a part of the IFL Network," and looks forward to helping you achieve your family's retirement and insurance planning needs!

Hayes, his bride, Julie and his son, Jesse live in beautiful Nashville, Tenn.   After graduating from Hillsboro High, he continued his studies at The University of Memphis, graduating with a Bachelor's Degree in Business Administration in 1991.  

Memberships and Affiliations:  Christ Presbyterian Church, Gideons International, Christian Leadership Concepts

Hayes enjoys cooking for his family and friends, watching movies and laughing with his wife, "guys night out" with his son, Jesse, playing tennis, and table tennis! 

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