{"id":536,"date":"2012-09-28T14:24:35","date_gmt":"2012-09-28T14:24:35","guid":{"rendered":"https:\/\/www.ricardocrooks.com\/?p=536"},"modified":"2019-12-08T22:22:41","modified_gmt":"2019-12-08T22:22:41","slug":"investment-strategies","status":"publish","type":"post","link":"https:\/\/www.ricardocrooks.com\/investment-strategies\/","title":{"rendered":"Investment Strategies"},"content":{"rendered":"[vc_row top_margin=&#8221;0&#8243; bottom_margin=&#8221;0&#8243; css=&#8221;.vc_custom_1574150573347{margin-bottom: 0px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;][vc_column offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;10&#8243; accent_color=&#8221;#c06f6b&#8221; el_class=&#8221;brdr-lne&#8221; el_id=&#8221;main-sep&#8221;][\/vc_column][\/vc_row][vc_row top_margin=&#8221;0&#8243; bottom_margin=&#8221;0&#8243; css=&#8221;.vc_custom_1574344807114{margin-bottom: 0px !important;padding-right: 10px !important;padding-left: 10px !important;}&#8221;][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md&#8221;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;10&#8243; accent_color=&#8221;#c06f6b&#8221; el_class=&#8221;mbl-sprtr&#8221; css=&#8221;.vc_custom_1574344824119{margin-bottom: 0px !important;}&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1569495313336{padding-right: 25px !important;padding-left: 25px !important;}&#8221;][vc_column offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][vc_custom_heading text=&#8221;The 770 Account\u2014Everything you need to know.&#8221; font_container=&#8221;tag:h2|font_size:44px|text_align:left|color:%23444444&#8243; google_fonts=&#8221;font_family:Titillium%20Web%3A200%2C200italic%2C300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C900|font_style:600%20bold%20regular%3A600%3Anormal&#8221; css=&#8221;.vc_custom_1572896661490{padding-top: 35px !important;}&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1574415165015{margin-bottom: 0px !important;padding-right: 10px !important;padding-left: 10px !important;}&#8221;][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md&#8221;][vc_custom_heading text=&#8221;The 770 Account\u2014Everything you need to know.&#8221; font_container=&#8221;tag:h2|font_size:44px|text_align:left|color:%23444444&#8243; google_fonts=&#8221;font_family:Titillium%20Web%3A200%2C200italic%2C300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C900|font_style:600%20bold%20regular%3A600%3Anormal&#8221; css=&#8221;.vc_custom_1574137002525{padding-top: 17.5px !important;}&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1569495320911{padding-right: 25px !important;padding-left: 25px !important;}&#8221;][vc_column offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][vc_single_image image=&#8221;2312&#8243; img_size=&#8221;full&#8221; style=&#8221;vc_box_border&#8221;][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<p align=\"justify\">This type of account is an investment strategy and can offer an investor <em>steady, competitive returns with little to no risk!<\/em><\/p>\n<p>The 770 Account is often also referred to as:<\/p>\n<ul>\n<li>The\u00a0President\u2019s Secret Account<\/li>\n<li>The\u00a0501(k) Plan<\/li>\n<li>The\u00a0Invisible Account<\/li>\n<li>Income for Life<\/li>\n<li>The\u00a0<a href=\"http:\/\/becomingyourownbank.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Infinite Banking Concept\u00ae<\/a><\/li>\n<li><a href=\"https:\/\/www.bankonyourself.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Bank on Yourself<\/a><\/li>\n<li>The\u00a0702(j) Retirement Plan<\/li>\n<\/ul>\n<p align=\"justify\">Why does it go by so many names? There is a reason which I will reveal in a moment. But first, let me tell you precisely what it is.<\/p>\n[\/vc_column_text][vc_custom_heading text=&#8221;The 770 Account \u2014 Is this life insurance policy hope or hype?&#8221; font_container=&#8221;tag:h2|font_size:36px|text_align:left|color:%23444444&#8243; google_fonts=&#8221;font_family:Titillium%20Web%3A200%2C200italic%2C300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C900|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<p align=\"justify\">The 770 account originates from <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/26\/7702\" target=\"_blank\" rel=\"noopener noreferrer\">IRS code 7702<\/a>, which governs \u201clife insurance contracts.\u201d Put simply, a \u201c770 Account\u201d is a permanent life insurance policy that is used more as an investment than for traditional insurance.<\/p>\n<p align=\"justify\">This life insurance design differs from a traditional term life policy\u00a0since it focuses less on maximizing the death benefit, and more on the living benefits of the policy, and the preferred tax treatment of the cash value within the policy.<\/p>\n<p align=\"justify\">The policy is structured such that you fund the policy to the maximum allowable per the IRS guidelines. Your money will grow at either a fixed percentage or at a rate tied to an index, specified by the type of policy that you purchased.<\/p>\n[\/vc_column_text][vc_custom_heading text=&#8221;The 770 Account \u2014 What are the benefits?&#8221; font_container=&#8221;tag:h2|font_size:36px|text_align:left|color:%23444444&#8243; google_fonts=&#8221;font_family:Titillium%20Web%3A200%2C200italic%2C300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C900|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<p align=\"justify\">The benefit here is that you can take loans against the cash value in the policy, which, according to IRS regulations, are never considered as taxable income.<\/p>\n<p align=\"justify\">Also, if the policy has sufficient cash value, there are no age restrictions on when you can take out a loan, making it an attractive income source for those looking to retire early and control their income tax liability.<\/p>\n<p align=\"justify\">Depending on the type of policy, the cash value is also principal-protected and can provide additional cash in the event of a chronic, critical, or terminal illness.<\/p>\n<p align=\"justify\">So, in essence, you are using a life insurance contract as a savings account. Once you have funded it sufficiently, then yes, you may, in most cases, make withdrawals tax free.<\/p>\n[\/vc_column_text][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<blockquote>\n<p data-v-54a96eec=\"\"><em>The uber-wealthy and bankers use this type of account to earn 30-40X more interest on their money.\u00a0\u2014 The Palm Beach Letter<\/em><\/p>\n<\/blockquote>\n[\/vc_column_text][vc_column_text el_class=&#8221;tp-txt&#8221;]This account exists right now and if structured correctly:<\/p>\n<ul>\n<li>Provides yields 5-6 times more than long-term CDs<\/li>\n<li>Offers guaranteed returns in some cases<\/li>\n<li>Does not have to be reported to the IRS<\/li>\n<li>Can be accessed anytime without penalty<\/li>\n<li>Lets you retire 100% tax-free<\/li>\n<\/ul>\n[\/vc_column_text][vc_custom_heading text=&#8221;The 770 Account \u2014 Why the name keeps changing.&#8221; font_container=&#8221;tag:h2|font_size:36px|text_align:left|color:%23444444&#8243; google_fonts=&#8221;font_family:Titillium%20Web%3A200%2C200italic%2C300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C900|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<p align=\"justify\">Some smart marketers coined the term \u201c770 Account\u201d to help insurance agents sell certain kinds of life insurance products.<\/p>\n<p align=\"justify\">It\u2019s just clever marketing, to brand it under many different names. It makes it sound mysterious and more easily hooks people in, with something supposedly new.<\/p>\n[\/vc_column_text][vc_custom_heading text=&#8221;The 770 Account \u2014 Is permanent life insurance with a twist.&#8221; font_container=&#8221;tag:h2|font_size:36px|text_align:left|color:%23444444&#8243; google_fonts=&#8221;font_family:Titillium%20Web%3A200%2C200italic%2C300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C900|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<p align=\"justify\">Affluent investors have used cash-value life insurance policies for over 100 years.<\/p>\n<p align=\"justify\">President John F. Kennedy used this type of account, and so did Presidents Taft, Cleveland, McKinley, Harding, and FDR. Republican senator John McCain took a policy loan from his life insurance policy to pay for his presidential campaign.<\/p>\n<p align=\"justify\">While the government places restrictions on when and how much money can be invested in <a href=\"https:\/\/www.ricardocrooks.com\/total-control-ira\/\" target=\"_blank\" rel=\"noopener noreferrer\">all types of IRAs<\/a>, the amount of money that can be put into a permanent life insurance policy is flexible. It depends upon the death benefit and policy structure.<\/p>\n<p align=\"justify\">When structured correctly, a 770 Account is a powerful strategy that can be used to provide tax-free income later in life and a tax- free death benefit for your heirs.<\/p>\n<p align=\"justify\">I encourage you to watch the videos below and contact a risk management advisor to determine if this type of account is right for you.<\/p>\n<p align=\"justify\">Watch the videos below and contact a risk management advisor to determine if this type of account is right for you!<\/p>\n[\/vc_column_text][vc_row_inner][vc_column_inner]<div class=\"shortcode-wrapper shortcode-video fitVids clearfix hb-box-frame\"><span><iframe loading=\"lazy\" title=\"The President\u2019s Account\" src=\"https:\/\/player.vimeo.com\/video\/91006552?dnt=1&amp;app_id=122963\" width=\"500\" height=\"281\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\"><\/iframe><\/span><\/div>[\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner]<div class=\"shortcode-wrapper shortcode-video fitVids clearfix hb-box-frame\"><span><iframe loading=\"lazy\" title=\"Secret &quot;770 Account&quot;\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/lKrbXy2D3lc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/span><\/div>[\/vc_column_inner][\/vc_row_inner][vc_column_text el_class=&#8221;tp-txt&#8221; css=&#8221;.vc_custom_1574654828326{padding-top: 35px !important;}&#8221;]\n<p align=\"justify\"><a href=\"https:\/\/soleraam.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Solera&#8217;s<\/a> specific approach aims to protect your assets against catastrophic loss and yet still grow your portfolio by utilizing a diversified strategy of risk allocation.<\/p>\n[\/vc_column_text][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<blockquote><p><em>I recommend <a href=\"https:\/\/soleraam.com\/about\/team\/\" target=\"_blank\" rel=\"noopener noreferrer\">Vladi Donets, Risk Management Advisor<\/a>\u00a0of Solera Asset Managers. \u2013 Ricardo Crooks<\/em><\/p><\/blockquote>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1574415052097{margin-bottom: 8px !important;padding-right: 10px !important;padding-left: 10px !important;}&#8221;][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md&#8221;][vc_single_image image=&#8221;2312&#8243; img_size=&#8221;full&#8221; style=&#8221;vc_box_border&#8221; css=&#8221;.vc_custom_1574415191539{margin-bottom: 22px !important;}&#8221;][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<p align=\"justify\">This type of account is an investment strategy and can offer an investor <em>steady, competitive returns with little to no risk!<\/em><\/p>\n<p>The 770 Account is also often referred to as:<\/p>\n<ul>\n<li>The\u00a0President\u2019s Secret Account<\/li>\n<li>The\u00a0501(k) Plan<\/li>\n<li>The\u00a0Invisible Account<\/li>\n<li>Income for Life<\/li>\n<li>The\u00a0<a href=\"http:\/\/becomingyourownbank.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Infinite Banking Concept\u00ae<\/a><\/li>\n<li><a href=\"https:\/\/www.bankonyourself.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Bank on Yourself<\/a><\/li>\n<li>The\u00a0702(j) Retirement Plan<\/li>\n<\/ul>\n<p align=\"justify\">Why does it go by so many names? There is a reason which I will reveal in a moment. But first, let me tell you precisely what it is.<\/p>\n[\/vc_column_text][vc_custom_heading text=&#8221;The 770 Account \u2014 Is this life insurance policy hope or hype?&#8221; font_container=&#8221;tag:h2|font_size:36px|text_align:left|color:%23444444&#8243; google_fonts=&#8221;font_family:Titillium%20Web%3A200%2C200italic%2C300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C900|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<p align=\"justify\">The 770 Account originates from <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/26\/7702\" target=\"_blank\" rel=\"noopener noreferrer\">IRS code 7702<\/a>, which governs \u201clife insurance contracts.\u201d Put simply, a \u201c770 Account\u201d is a permanent life insurance policy that is used more as an investment than for traditional insurance.<\/p>\n<p align=\"justify\">This life insurance design differs from a traditional term life policy\u00a0since it focuses less on maximizing the death benefit, and more on the living benefits of the policy, and the preferred tax treatment of the cash value within the policy.<\/p>\n<p align=\"justify\">The policy is structured such that you fund the policy to the maximum allowable per the IRS guidelines. Your money will grow at either a fixed percentage or at a rate tied to an index, specified by the type of policy that you purchased.<\/p>\n[\/vc_column_text][vc_custom_heading text=&#8221;The 770 Account \u2014 What are the benefits?&#8221; font_container=&#8221;tag:h2|font_size:36px|text_align:left|color:%23444444&#8243; google_fonts=&#8221;font_family:Titillium%20Web%3A200%2C200italic%2C300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C900|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<p align=\"justify\">The benefit here is that you can take loans against the cash value in the policy, which, according to IRS regulations, are never considered as taxable income.<\/p>\n<p align=\"justify\">Also, if the policy has sufficient cash value, there are no age restrictions on when you can take out a loan, making it an attractive income source for those looking to retire early and control their income tax liability.<\/p>\n<p align=\"justify\">Depending on the type of policy, the cash value is also principal-protected and can provide additional cash in the event of a chronic, critical, or terminal illness.<\/p>\n<p align=\"justify\">So, in essence, you are using a life insurance contract as a savings account. Once you have funded it sufficiently, then yes, you may, in most cases, make withdrawals tax free.<\/p>\n[\/vc_column_text][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<blockquote>\n<p data-v-54a96eec=\"\"><em>The uber-wealthy and bankers use this type of account to earn 30-40X more interest on their money.\u00a0\u2014 The Palm Beach Letter<\/em><\/p>\n<\/blockquote>\n[\/vc_column_text][vc_column_text el_class=&#8221;tp-txt&#8221;]This account exists right now and if structured correctly:<\/p>\n<ul>\n<li>Provides yields 5-6 times more than long-term CDs<\/li>\n<li>Offers guaranteed returns in some cases<\/li>\n<li>Does not have to be reported to the IRS<\/li>\n<li>Can be accessed anytime without penalty<\/li>\n<li>Lets you retire 100% tax-free<\/li>\n<\/ul>\n[\/vc_column_text][vc_custom_heading text=&#8221;The 770 Account \u2014 Why the name keeps changing.&#8221; font_container=&#8221;tag:h2|font_size:36px|text_align:left|color:%23444444&#8243; google_fonts=&#8221;font_family:Titillium%20Web%3A200%2C200italic%2C300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C900|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<p align=\"justify\">Some smart marketers coined the term \u201c770 Account\u201d to help insurance agents sell certain kinds of life insurance products.<\/p>\n<p align=\"justify\">It\u2019s just clever marketing, to brand it under many different names. It makes it sound mysterious and more easily hooks people in, with something supposedly new.<\/p>\n[\/vc_column_text][vc_custom_heading text=&#8221;The 770 Account \u2014 Is permanent life insurance with a twist.&#8221; font_container=&#8221;tag:h2|font_size:36px|text_align:left|color:%23444444&#8243; google_fonts=&#8221;font_family:Titillium%20Web%3A200%2C200italic%2C300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C900|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<p align=\"justify\">Affluent investors have used cash-value life insurance policies for over 100 years.<\/p>\n<p align=\"justify\">President John F. Kennedy used this type of account, and so did Presidents Taft, Cleveland, McKinley, Harding, and FDR. Republican senator John McCain used a policy loan from his life insurance policy to pay for his presidential campaign.<\/p>\n<p align=\"justify\">While the government places restrictions on when and how much money can be invested in <a href=\"https:\/\/www.ricardocrooks.com\/total-control-ira\/\" target=\"_blank\" rel=\"noopener noreferrer\">all types of IRAs<\/a>, the amount of money that can be put into a permanent life insurance policy is flexible. It depends upon the death benefit and policy structure.<\/p>\n<p align=\"justify\">When structured correctly, a 770 Account is a powerful strategy that can be used to provide tax-free income later in life and a tax- free death benefit for your heirs.<\/p>\n<p align=\"justify\">I encourage you to watch the videos below and contact a risk management advisor to determine if this type of account is right for you.<\/p>\n<p align=\"justify\">Watch the videos below and contact a risk management advisor to determine if this type of account is right for you!<\/p>\n[\/vc_column_text][vc_row_inner][vc_column_inner]<div class=\"shortcode-wrapper shortcode-video fitVids clearfix hb-box-frame\"><span><iframe loading=\"lazy\" title=\"The President\u2019s Account\" src=\"https:\/\/player.vimeo.com\/video\/91006552?dnt=1&amp;app_id=122963\" width=\"500\" height=\"281\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\"><\/iframe><\/span><\/div>[\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner]<div class=\"shortcode-wrapper shortcode-video fitVids clearfix hb-box-frame\"><span><iframe loading=\"lazy\" title=\"Secret &quot;770 Account&quot;\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/lKrbXy2D3lc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/span><\/div>[\/vc_column_inner][\/vc_row_inner][vc_column_text el_class=&#8221;tp-txt&#8221; css=&#8221;.vc_custom_1574655114811{padding-top: 17.5px !important;}&#8221;]\n<p align=\"justify\"><a href=\"https:\/\/soleraam.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Solera&#8217;s<\/a> specific approach aims to protect your assets against catastrophic loss and yet still grow your portfolio by utilizing a diversified strategy of risk allocation.<\/p>\n[\/vc_column_text][vc_column_text el_class=&#8221;tp-txt&#8221;]\n<blockquote><p><em>I recommend <a href=\"https:\/\/soleraam.com\/about\/team\/\" target=\"_blank\" rel=\"noopener noreferrer\">Vladi Donets, Risk Management Advisor<\/a> of Solera Asset Managers. \u2013 Ricardo Crooks<\/em><\/p><\/blockquote>\n[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row top_margin=&#8221;0&#8243; 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