A Whole New Way of Thinking about - Your Health and Financial Security
Individuals • Employees • Self-Employed
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Individuals & Families
Even if your employer does not provide healthcare and retirement benefits our multi-disciplinary team of advisors can help you develop a plan that is both meaningful and within your budget. The features and links listed below for Employees can also be implemented as part of a plan for you and your families. In addition you might also want to consider:
The Kai-Zen PlanTM
Depending upon your employment circumstances you may be able to take advantage of this leveraged 162 executive benefit plan. Under Kai-Zen PlanTM you can not only provide a valuable life insurance benefit for your family but you can also significantly increase your retirement savings. The best part is that we have made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan.
The ABIL PlanTM
The ABIL PlanTM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.
Financial Risk Management
Our Advisors work closely with individuals and families to help you guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets IBG-BMC apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.
Traditional
- Life & Health Insurance
- Accident Insurance
- Short Term Medical Insurance
- Automobile Insurance
- Traditional IRAs & Roth IRAs
- 401K Management
- Section 529 College Plan
- Stocks, Bonds and Mutual Funds
Non-Traditional (minimum income and net worth requirements may apply)
- Captive Insurance Company
- Private Placement Life Insurance
- High Limit Disability (to $250,000/month)
- Oil & Gas
- Motion Pictures
- Self-Directed IRAs
- Private Equity
Employees
If your employer is an IBG-BMC client and you are enrolled in The Health Options Plus PlanTM, click here to access your Employee Benefits Web Portal.
Health Options Plus PlanTM
The Kai-Zen PlanTM
The Kai-Zen PlanTM is a leveraged benefit plan that can not only provide you with a valuable life insurance benefit for your family but can also help significantly increase your retirement savings. The best part is that we have made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan. This is available as a Voluntary Benefit Plan which means that you can participate in the plan even if it is not offered by your employer.
Voluntary Benefits
All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.
- Cancer
- Critical Illness (heart attack, stroke, etc.)
- Long Term Disability
- Short Term Disability
- Long Term Care
- Vision
- Dental
- Accident
- Pre-Paid Legal
- Life Insurance
Financial Risk Management
Our Advisors work closely with individuals and families to help them guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets IBG-BMC apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.
Traditional
- Life & Health Insurance
- Accident Insurance
- Short Term Medical Insurance
- Automobile Insurance
- Traditional IRAs & Roth IRAs
- 401K Management
- Section 529 College Plan
- Stocks, Bonds and Mutual Funds
Non-Traditional (minimum income and net worth requirements may apply)
- Captive Insurance Company
- Private Placement Life Insurance
- High Limit Disability (to $250,000/month)
- Oil & Gas
- Motion Pictures
- Self-Directed IRAs
- Private Equity
Self Employed
Franchisees
Independent Contractors
If you are among the 27 million self-employed and small business persons in the U.S. then you are well aware of the difficulty in adequately covering the financial risk exposures you face. Whether it is providing health insurance for your family, protecting your vehicles, stores and offices or complying with government regulations – a single unplanned and uncovered risk could put you out of business. At IBG-BMC we have a special place in our hearts for small businesses and can help you develop a comprehensive and affordable risk management solution.
The 401Rx PlanTM
The 401Rx PlanTM is designed to help business owners and employees pre-fund the health care expenses they will incur in retirement. According to Fidelity Investments, a 65-year-old couple retiring in 2012 will need $240,000 to pay medical expenses through retirement. This figure assumes Medicare remains solvent and does not change and this figure does not include over-the-counter medications, vision, dental and long term care – when those are added the amount needed exceeds $500,000! The 401Rx PlanTM allows prefunding of these expenses while still working, with tax deductible contributions, tax free growth, and tax free withdrawals for qualified medical expenses.
The Kai-Zen PlanTM
Depending upon your employment circumstances you may be able to take advantage of this leveraged 162 executive benefit plan. Under The Kai-Zen PlanTM you can not only provide a valuable life insurance benefit for your family but you can also significantly increase your retirement savings. The best part is that we have already made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan.
The ABIL PlanTM
The ABIL PlanTM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.
Voluntary Benefits
All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our advisors can work with you on an individual basis to discuss your options in Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.
- Cancer
- Critical Illness (heart attack, stroke, etc.)
- Long Term Disability
- Short Term Disability
- Long Term Care
- Vision
- Dental
- Accident
- Pre-Paid Legal
- Life Insurance
Financial Risk Management
Our Advisors work closely with individuals and families to help them guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets IBG-BMC apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.
Traditional
- Life & Health Insurance
- Accident Insurance
- Short Term Medical Insurance
- Automobile Insurance
- Traditional IRAs & Roth IRAs
- 401K Management
- Section 529 College Plan
- Stocks, Bonds and Mutual Funds
Non-Traditional (minimum income and net worth requirements may apply)
- Captive Insurance Company
- Private Placement Life Insurance
- High Limit Disability (to $250,000/month)
- Oil & Gas
- Motion Pictures
- Self-Directed IRAs
- Private Equity
"Begin challenging your own assumptions. Your assumptions are your windows on the world. Scrub them off every once in awhile, or the light won't come in."
Alan Alda
