A
Licensed
Financial
Professional
Opeyemi Joseph
Most people work for 30 to 40 years, hoping that when it’s finally time to rest,
their savings and government support will be enough to carry them through
retirement.
But here’s the reality:
Your child is 18, full of potential, and ready to take on the world.
College acceptance letter in hand.
No stress. No debt. No loan officer breathing down your neck.
Just freedom.
• Savings run out — often faster than expected.
• Social Security barely covers basic expenses, and future reductions are
likely.
• Cost of living is rising: groceries, healthcare, rent, gas—everything costs more
each year.
• And people are living longer than ever, meaning retirement could last 20, 30, or
even 40 years.
Without a solid plan in place, retirement becomes a time of uncertainty and stress,
not rest and reward.
Many people rely only on:
• 401(k)s or pensions (which are taxed when you withdraw)
• Social Security (which may not cover all your needs)
• Savings or stocks (which are exposed to market risk)
These traditional methods lack control, are tax-heavy, and don’t guarantee
income for life.
That’s why so many retirees run out of money, worry about bills, or return
to work in their 60s or 70s.
Our Retirement Growth Package is a tax-advantaged financial strategy that
helps you:
• Save consistently over time
• Grow your money without risk of market loss
• Access your money tax-free in retirement
• Build a reliable income stream for the rest of your life
• Leave behind wealth for your loved ones if you don’t use all the funds
This is not an investment, it’s not a savings account, and it’s not a risky
venture—it’s a secure financial tool that helps your money work smarter.
1. Tax-Free Retirement Income
You contribute after-tax dollars during your working years, and in return,
you get to withdraw your income 100% tax-free during retirement.
That means:
• More money in your pocket
• No surprises during tax season
• Full control of how you use your funds
2. No Risk of Market Loss Unlike stocks or mutual funds, your money is not tied to the stock market. You’re protected during downturns and can only gain, not lose.
3. Guaranteed Growth + Compound Interest Your funds grow over time using the power of compound interest, which multiplies your savings faster, especially the earlier you start.
4. Flexible Contributions Based on Your Budget Whether you can contribute $100 or $1,000 a month, your plan grows with you. You can increase or adjust contributions based on your financial situation.
5. Lifetime Income Stream Once you’re ready to retire, your plan can be structured to provide consistent income every month for life—even if you live to 90 or 100. You won’t run out of money or worry about longevity.
6. Access Anytime (No Penalties) You can access your funds before retirement age in emergencies or special needs without penalties, unlike retirement accounts with early withdrawal fees.
7. Funds Are Passed On (If You Don’t Use Them) If you don’t spend all the funds, your family inherits the remaining value—tax-free. That means your wealth doesn’t stop with you.
8. Protected from Probate and Lawsuits Unlike bank accounts or retirement savings, your funds skip the court process and go straight to your loved ones. Creditors can’t touch it.
This strategy is perfect for:
• Working professionals ages 20–60
• Small business owners or self-employed individuals
• Anyone wanting tax-free retirement income
• People tired of depending on risky investments
• Families who want to build wealth and leave a legacy
I’ll help you:
• Analyze your income and create a retirement plan that fits your goals
• Choose the right amount and structure for your contributions
• Track your growth and update your plan over time
• Turn your savings into a guaranteed income stream when you retire
• Protect your family’s financial future
Don’t Just Retire—Retire Confidently
The Retirement Growth Package gives you:
• Tax-free income for life
• Flexible access to your money
• Protection from market losses
• A guaranteed stream of income
• Peace of mind now, and legacy later
This is your opportunity to retire smart, retire safe, and retire strong.
When it comes to planning for retirement, most people are taught to focus on accounts like 401(k)s, IRAs, or Roth IRAs—and while those tools may seem like the standard route, they have significant limitations that most people don’t fully understand until it’s too late.
401(k)/IRA:
These plans are tax-deferred, which means:
• You don’t pay taxes when you contribute.
• But you will pay taxes when you withdraw—often at a higher rate if tax
laws change or your income is higher in retirement.
• This creates a tax burden during retirement—exactly when you want the most
peace of mind.
Our Plan:
• You contribute with after-tax dollars, but your money grows tax-free and
you access it tax-free when you need it.
• You get to keep more of your money—without worrying about future tax
hikes.
401(k)/IRA:
• These accounts are invested in the market—meaning they go up when the
market goes up, and drop when the market crashes.
• You could lose 30–40% of your portfolio overnight in a downturn.
• Recovery takes time—and time is a luxury many retirees can’t afford.
Our Plan:
• Your money is not tied to the stock market.
• It has built-in protection—you can never lose money due to market
dips.
• Even when the economy struggles, your account stays stable and
growing.
401(k)/IRA:
• There’s no guaranteed monthly income. You must manage your own withdrawals
and hope the money lasts.
• You could outlive your funds and be forced to cut back—or return to
work.
Our Plan:
• You can structure your account to provide a guaranteed, tax-free monthly
income for life, no matter how long you live.
• You’ll never run out of income, even if you live to 100.
401(k)/IRA:
• Withdraw money before age 59½ and you’ll face a 10% early withdrawal
penalty, plus income tax.
• This limits flexibility for emergencies or life changes.
Our Plan:
• You can access funds at any time—for any reason—without penalties.
• It’s perfect for emergencies, opportunities, or early retirement
plans.
401(k)/IRA:
• The IRS sets strict annual limits on how much you can contribute.
• In 2025:
• $23,000 for a 401(k)
• $7,000 for an IRA
• This slows down your ability to build wealth quickly, especially if you
start late.
Our Plan:
• There are no government-imposed contribution limits.
• You can contribute as much as your budget allows—making it ideal for high
earners, business owners, or late starters.
401(k)/IRA:
• When you pass away, your funds go through probate (a long court
process).
• Beneficiaries may owe taxes on inherited retirement funds.
• Your money could be exposed to lawsuits, divorce, or creditors.
Our Plan:
• Funds are passed on immediately and tax-free to your beneficiaries.
• No probate, no delays, no taxes.
• Your legacy is protected and goes straight to your family—100% yours, 100%
safe.
401(k)/IRA:
• These are designed to support only your retirement withdrawals—nothing
else.
• If you face a critical illness, disability, or financial hardship, they
offer little to no support.
Our Plan:
• Comes with built-in living benefits.
• If you become critically ill, chronically ill, or terminally ill, you can
access your funds early to cover expenses.
• You don’t have to wait to use your own money.