How Roth IRA Distributions are taxed

Originally posted on Holistic Financial Plan Lifetime Retirement Income:

How Roth IRA distribution are taxed

If you have 401K, stocks, mutual funds, Roth IRA, IRA, annuities or other kinds of assets, you need asset protection using your life insurance.

Use this life insurance application to complete when you decide after discussing with me about your asset protection plan with illustration detailing cash accumulation, face amount and tax strategies. Connie Dello Buono 408-854-1883 CA Life Lic 0G60621 Life Insurance Broker in 50 US states

Life Insurance Application Guardian

retirment knowns and unknowns

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Optimal Fixed Annuity for Retirees: Immediate versus Deferred by David Blanchett

Originally posted on Holistic Financial Plan Lifetime Retirement Income:

For those who are willing to give up liquidity to maximize guaranteed income for life, the solution has always been relatively straightforward: purchase a lifetime Single Premium Immediate Annuity (SPIA).

However, in recent years, annuity companies have begin to offer Deferred Income Annuity (DIA) contracts, also known as longevity annuities, which similarly provide guaranteed income for life but an income stream that doesn’t start for years or decades into the future (i.e., the income is deferred).

The downside of the DIA approach is that the retiree still has to fill the income gap between now and when the DIA starts; the upside is that it requires far less of an investment into the DIA to get what ultimately is still income for life, because of both the years that income won’t be paid, and the opportunity to accrue both interest and mortality credits during the waiting period.

Yet with…

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CFP,financial advisor guest blogs on Wednesday afternoon

Originally posted on Holistic Financial Plan Lifetime Retirement Income:

Email to get free 15min phone chat with guest blogger who is a certified financial planner and had been helping bay area professionals in the past 13 years.

Call Connie Dello Buono 408-854-1883 to be scheduled in the slots from 2pm to 6pm of every Wednesdays starting this 9/17/2014 (first 16 callers/email will be assigned first and the rest for next Wed). Talk to the financial advisor about questions that you may have such as:

  • emerging Asian and European markets
  • guidance for the affluents, middle class and working class on retirement income solutions, cash flow management, social security, estate planning and life insurance
  • permanent life insurance for building an effective retirement portfolio
  • starting more conservatively and increase equity exposure thru retirement, what is best asset allocation
  • financial planning strategies for unmarried couples
  • financial planning for divorced clients
  • college plans
  • disability income insurance
  • importance of controlling risks

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The 1 million race for the cure to end aging

Originally posted on Holistic Financial Plan Lifetime Retirement Income:

If asked what is my one million entry for the cure to end aging, it will comprise of the following factors in synergy:

  • Happiness: finding love, joy,satisfaction and confidence in every day. Happiness from the beauty of the place you live and work. Where there is no toxins or pollutants, where you can breath well. And kept a good size of close and loving family, friends and community. A soul mate, loving children, and many more ways others define happiness
  • Nutrition and Movement: Need to limit calories, sugar and toxic food ingredients and eating mostly whole foods with important ingredients such as turmeric, alkaline veggies, cocoa nuts, edible mushrooms, flax seeds, raw nuts, coconut oil  and other healthy colorful food raw and cooked in moderation. Happy foods from colorful whole foods. As you move and listen to calming music, you create more neurons to the brain.
  • Sleep, lifestyle free from…

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The Secrets Men Keep by Rich Santos

Originally posted on Holistic Financial Plan Lifetime Retirement Income:

What He’s Thinking

We like to cuddle.Cuddling is all about moodand ambience. It’s peaceful to lie in someone’s arms in the dark with great music or even the low buzz of the TV (although that tends to distract me) in the background. It’s nice to hear nothing but your lover’s breath against the backdrop of the evening or early morning. Holding someone close in bed also makes you feel very secure with one another and the relationship.
We think we are good in bed. Men are taught that confidence solves just about anything. You can be making a total mistake, but as long as you’re confident, it will turn out okay. This may explain why we are so clueless at what we are doing in bed, but we act like we know.
Getting too tipsy on a date is a turnoff. Some people turn into a completely different…

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Your house is now valued at $1.4M, use your life insurance to protect your assets

Originally posted on Holistic Financial Plan Lifetime Retirement Income:

If you live near the stadium in Santa Clara, your house might be valued around $1.4M. Do you have enough life insurance with face amount equal to the value of your house? Your life insurance at work is only around $100k and only valid while you are employed in the same company. Do you have an income disability insurance to protect you during income loss?

Today’s permanent life insurance has guaranteed return of around 4% and is also a place for cash accumulation. You may use your irrevocable life insurance trust and make annual gifts to the trust to pay for the life insurance premiums.  The trustee applies for insurance on your life. The trust is the owner and beneficiary of the life insurance policy.

At your death, the insurance company (e.g., Guardian Life, Allianz, etc) sends your trustee the policy’s death benefit proceeds income tax free. This allows the…

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1035 Exchange for CPA, Estate Planning for Business Owners and Living Benefits for all

Originally posted on Holistic Financial Plan Lifetime Retirement Income:

Save, invest and then spend with collaboration from your CPA, tax preparer, estate planner, life insurance agents, financial planners and other professionals. Learn from them and then start an electronic fund transfer each month so that you have paid yourself first before you spend.  Call Connie before the end of the year to properly allocate your assets and before you incur tax penalties. An overall financial picture strategically planned will protect your future wealth accumulation with tax advantage.

1035_CPA_Seminar on 1035 Exchange 


  • 1035 Exchange for CPA (annuities, life insurance)
  • Estate Planning for Business Owners (Living Trusts, Nevada LLC, more)
  • Financial Planning for lifetime tax free retirement income
  • Living Benefits during terminal and critical illness plus long term care

Estate plan for business owners

estate_plan_ for business owners


Contact Connie Dello Buono 408-854-1883 for seminar series for your employees or business. CA Life and Health Lic 0G60621, Life Insurance and Annuities Broker, Financial…

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