The Ideal Way to Save for College

It seems everyone is worried about the high costs of college, and how to be financially prepared for it. There’s a savings option you may not have heard about – IUL (Indexed Universal Life).

Many families are familiar with 529 plans for college funding. But there are risks that most don’t know about. Your money is not protected from market losses, and it must be used for education or a penalty is incurred. Worse, the savings in a 529 plan may impact your eligibility for financial aid.

With IUL, the risk of loss of savings from a market downturn is eliminated. Your principal is protected, and your money grows as the market grows. Gains are locked in yearly and if you want to access your money for any other purpose, there are no penalties, unlike a 529 plan.

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The Missing Link in Retirement Planning – Safety with Opportunity

The market crash of 2008 was financially catastrophic; it reduced the net worth of American families by an average of 40%. Fortunately, there is a safe way to save for retirement that still has great upside potential – IUL (Indexed Universal Life).

IUL is an important part of a well-rounded retirement strategy. It doesn’t replace your existing plans, it’s a supplement with greater flexibility, rock-solid safety, and an opportunity for continued growth.

There are numbers to prove it. If you invested $100,000 in the S&P 500 in 1999, by 2010 that investment would have shrunk to $88,500, excluding dividends. That same amount in IUL could have been worth $195,600 in 2010. 

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News and Events

Seminar for Executives, Business Owners & Professionals 
Excessive risk & Unnecessary taxes plague most retirement & college savings plans. Learn about a strategy that delivers positive results in both good times and bad. 

San Diego: Apr. 15^th & May. 1^st  

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Client Testimonial

RAF Strategies did what I thought was impossible – built a plan that protects me from market fluctuations and still lets me benefit when things improve. My family and I appreciate the tremendous peace of mind that RAF gave us.

L. J. | California