Protection & Retirement Income

Financial Planning

Income protection for the people who depend on you, and guaranteed income streams for retirement.

Home / Financial Planning

The Roadmap

6 Steps to Financial Security

A time-tested sequence. Start at Step 1 and build upward — each layer strengthens the next.
Contact Team Lonestar to help you strategize your financial security.

Increase Cash Flow

Earn Additional Income
Manage Expenses

Debt Management

Consolidate Debt
Eliminate Debt

Emergency Fund

Save 3–6 Months' Income
Prepare for Unexpected Expenses

Proper Protection

Protect Against Loss of Income
Protect the Family Assets

Build Wealth

Outpace Inflation
Active Money Management

Preserve Wealth

Avoid Probate
Reduce Taxation

Compound Interest

The Rule of 72 — The Magic of Compound Interest

Divide 72 by your interest rate to estimate the number of years it takes for your money to double. Contact Team Lonestar to help you maximize your savings.

Doubles every 36 years

$20,000

$10,000 invested at age 29 → by age 65

Doubles every 18 years

$40,000

$10,000 invested at age 29 → by age 65

Doubles every 9 years

$160,000

$10,000 invested at age 29 → by age 65

12%

Doubles every 6 years

$640,000

$10,000 invested at age 29 → by age 65

The Rule of 72 is a mathematical concept that approximates the number of years it will take to double the principal at a constant rate of return. Performance fluctuates over time and doubling cannot be predicted with certainty. All figures are for illustrative purposes only.

Indexed Strategy

The Power of Indexed Accounts

Connect with Team Lonestar to participate in the upside of the market while a guaranteed zero-loss floor keeps your principal protected during downturns.

Available In Indexed Annuities and Indexed Universal Life (IUL) Insurance products.

Linked to Markets Cash value growth is linked to the performance of a stock market index (e.g., S&P 500).

Capture Gains You receive a percentage of the market's positive returns up to a cap or participation rate.

Zero-Loss Floor When the market is negative, your account is locked in at 0% — you never lose principal to market downturns.

Historical Comparison: $100,000 Invested in 1997

S&P 500 Large Company Stocks vs. a hypothetical Indexed Account — Aug 1997 to Aug 2020.

$257,554

Large Company Stocks

Rode the full market — including devastating 2000 & 2008 crashes

$348,618

Indexed Account

Locked in at 0% during down years — higher ending balance

Reflects actual historical 1-year point-to-point S&P 500 returns, Aug 1997–Aug 2020. Past performance is not indicative of future performance. For hypothetical and illustrative purposes only.

Retirement Planning

Types of Retirement Income

Not all money is treated the same by the IRS. Understanding the three tax buckets is essential to building a tax-efficient retirement strategy. Team Lonestar can help you maximize your retirement income.

TAX-NOW

Banks · Mutual Funds · CDs · Stocks

✔ Put in after-tax dollars

✘ Growth is taxed each year

✘ Included in your estate

TAX-DEFERRED

401k · IRAs · 403b

✘ Put in before-tax dollars

✘ 10% IRS penalty before age 59½

✘ All growth & principal taxed at distribution

✘ Contribution limits apply

✘ $44k withdrawals = 85% of Social Security taxed

✘ RMDs at age 72; 50% excise tax if not taken

✘ Included in your estate

TAX-ADVANTAGED

Life Insurance Cash Value

✔ Put in after-tax dollars

✔ No 10% IRS penalty before age 59½

✔ Growth is 100% tax-free

✔ No contribution limits²

✔ Withdrawals do not trigger Social Security taxation

✔ No RMDs or excise tax

✔ Does not count against college financial aid

✔ Not included in your estate

✔ Tax-free income²

² Subject to IRS regulations and insurance policy conditions & restrictions. Consult your licensed representative.

Living Benefits

Accelerated Living Benefits

Life insurance you don't have to die to use. A chronic, critical, or terminal illness can devastate your retirement savings — living benefits protect you while you're still alive.
Connect with Team Lonestar to find out more.

We are more likely to get sick before we die.

Medicare pays $0 after 100 days of long-term care.

🔴 Chronic Illness

🔶 Critical Illness

🖤 Terminal Illness

Annual Median Cost of Long-Term Care (Genworth 2019)

🏥

Nursing Home (Private)

$102,204

Per year

🛏️

Nursing Home (Semi-Private)

$90,156

Per year

🏢

Assisted Living Facility

$48,612

Per year

🏠

Home Health Aide

$52,620

Per year

🧹

Homemaker Services

$51,480

Per year

☀️

Adult Day Health Care

$19,500

Per year

Source: Genworth Cost of Care Survey 2019. Accelerated Living Benefits availability and features vary by provider. Check with your licensed representative for details.

Ready When You Are

Protect What's Yours

Get a personalized financial plan to protect today, tomorrow, and everything in between.

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