Schmorleitz Financial Services
a member of     Financial Liberty


Two of the biggest concerns we hear during our financial seminars are:

How do I get back the money I lost since 2008?
How do I not lose the money I currently have?

We are proud to report that none of our clients lost any money in the 2008 financial crisis and sour economy that continues on its heels. If you lost money, we can show you how to get it back to where you were without increasing your risk.

Whether you have a net worth of a million dollars or more, or are in the middle of your wealth-building plan, we can help protect your wealth and grow it through safe and predictable financial strategies.

We believe in Safe Money, and we only work with money or accounts that are not exposed to the risk of the open market. We believe in a Reasonable Rate of Return averaging between 6 and 8 percent. And, we believe in Simple. If you don’t understand it, you shouldn’t own it.

We help people position their assets to do 4 things:

To grow their assets Tax Free
To distribute their assets Tax Free during the retirement years
To protect against the high costs of Long Term Care
What If I Live -- Retirement Income

We help you to create a lifetime of income that you cannot outlive...guaranteed.

Click here to request an personalized online consultation from one of our reps.
If requested, in many cases, we can also meetin in person.

Retirement Planning - Strategies and implementation of retirement plans and retirement supplements.

(Legally) Cutting Out the Tax Man in Retirement - Fox Business


401K's cost the average investor $155,000
over their life time,
limit liquidly,
and promise
at retirement.

Click Here for a Better Way!

Why Index-based Interest is a Big Deal

Index-based interest allows investors and savers to participate in the upside of an index without participating in the downside!

A problem with talking about average investment returns is that there is real ambiguity about what people mean by "average". For example, if you had an investment that went up 100% one year and then came down 50% the next, you certainly wouldn't say that you had an average return of 25% = (100% - 50%)/2, because your principal is back where it started: your real annualized gain is zero.

In this example, the 25% is the simple average, or "arithmetic mean". The zero percent that you really got is the "geometric mean", also called the "annualized return", or the "CAGR" for Compound Annual Growth Rate.

Volatile investments are frequently stated in terms of the simple average, rather than the CAGR that you actually get. (Bad news - the CAGR is smaller.)
Click here for a calculator that will show you the real historical effect that CAGR has on real market returns.

Index-based interest can avoid this problem because it allows investors and savers to participate in the upside of the index without participating in the downside!

Pay your debt totally off instead of just paying on your debt

Get Out of Debt in 1/3 to 1/2 the time
without paying one more dime on a monthly basis!

Compound Interest | Simple Interest | Retirement Calculator | Real Market Returns (CAGR)

Also See...

Debt Payoff | Roth IRA LimitsSocial Security | Tax Calculator  | Tax Cuts | Tax Brackets
Savings Calculator | Credit Card Calculator | Portfolio Performance | 401(k) | Inflation

Insurance Services
Life, Health, Disability, Long Term Care
When done correctly, investment-grade fixed Indexed Universal Life Policy (aka IUL) can be one of the most powerful ways to fund a supplemental retirement plan! This is a big deal!

(offered through Schmorleitz Insurance Agency*, this service presently available in
California, Colorado, North Carolina only)

Education Fund Planning - Strategies for saving for your child's college education expenses.
(this service presently available in California, Colorado, and North Carolina  only)

Dignity Memorial Planning

Ensure your final wishes are met, FOR FREE, while protecting loved ones from the stress of making hard decisions while grieving.  Call us at 1-888-221-2796 and an agent will meet with you, at no charge, to help you complete this valuable plan document and service.

The AARP says, plan for your funeral and final wishes, put don't purchase a pre-paid plan.  We offer a comprehensive, FREE plan, valid at the vast majority of the funeral homes and cemeteries in the United States. Dignity Memorial providers are committed to helping families create memorial services that will be long remembered for the manner in which they pay respect to the unique lives that have meant so much to family and friends.  Click here to watch a short movie about the service, or to apply online.
You may also call us at 1-888-221-2796 to have our agent help you with the process.

Start a New Career or Make Extra Income!
We are always looking for good agents

Contact Information:
Schmorleitz Financial Services, Steve Schmorleitz Insurance Agency
Address:  1100 Melody Lane, Suite 136, Roseville, CA  95678
Phone: 888-221-2796    Fax: 916-244-9876

Our offices are located in the Sacramento, CA metro area. 
Many of our services are available on a nation-wide basis.

Become Debt Free Quickly, with no more money out-of-pocket each month!

CA Insurance License 0B71149
CO Insurance License 161197

TX Insurance License 1839013
Also Licensed in NC

Insurance Products offered though Steve Schmorleitz Insurance Agency
Copyright © 1995-2013 Steve Schmorleitz, All Rights Reserved