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
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
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
distribute their assets Tax Free during the retirement years
To protect against the high costs of Long
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
If requested, in many cases, we can also meetin in
Retirement Planning -
Strategies and implementation of retirement plans and retirement
Why Index-based Interest is a Big
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
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 |
Real Market Returns (CAGR)
Debt Payoff |
Roth IRA Limits | Social
Tax Calculator |
Tax Cuts |
Savings Calculator |
Credit Card Calculator |
Portfolio Performance |
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)
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
Start a New Career or Make Extra
We are always looking for good agents.
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.