•Have a loved one in a skilled nursing facility? Concerned about senior-aged loved one who may need skilled nursing care someday?

~Asset preservation strategies are provided to guard against going broke in a nursing home. (Paying long-term care insurance premiums is not your only alternative.)

• How to pocket the interest you now pay to banks, credit card and finance companies.... and turn it into personal wealth and a tax-free income for life!

• Want to earn a higher interest rate? 
~Earn double digit  returns without exposure to terrorism, stock market or interest rate fluctuations... all while guaranteeing safety of principal. (Not an annuity!)

• Have you been denied for long-term care coverage?
~ Find out about NEW options available to those who cannot health qualify for long-term care insurance which pays to home care and assisted living care.

• Are you "house rich" but "cash poor"?
~ Learn about newly revised programs to tap into the equity of your home to enjoy a better lifestyle, fund long-term care insurance (which can help to keep you at home), or
decrease estate taxes.

• Have you been rejected for long-term care insurance?
~ Find out new alternatives for coverage.

• Have life insurance you no longer need?
~ You may be able to sell it and get more than the cash value.

•Afraid of outliving your retirement nest egg?
~Explore ways to ensure that your money lasts longer than you do.

•Stock market roller coaster got you seasick?
~Discover ways to invest in the stock market with no risk to your principal.

•Want your kids and grand-kids to get more of your retirement plan than the IRS?
~Take advantage of the new IRS rules regarding the distribution of your retirement funds.

•Taxes too high?
~Cut social security and income taxes while increasing safety.

•Prefer to stay at home to receive medical care?
~Put a line of defense between yourself and a nursing home-your own home care policy or own a comprehensive long-term care policy that includes 100% home care.

• Want the maximum income per month even if you have a health problem?
~Discover a new way to free up assets to supplement income to pay for home health care, assisted living, or nursing home care.

•Don't want your heirs to have to sell the family home to pay estate taxes?
~Provide liquid assets available upon death to cover related costs and estate taxes.

•Tired of getting lousy CD rates?
~Learn about CD alternatives that pay a higher interest rate with no income tax due at death to heirs. (Rider pays income tax)

•Want a guaranteed interest rate that won't fluctuate with the stock market?
~Learn about secure CD-type fixed investments that beat bank rates.

•Taking pension distribution soon?
~There are options to ensure you CAN get more than the MAXIMUM pension amount and leave MORE to your spouse AND heirs that your employer does not know about.

•Not have enough funds for retirement?
~Learn about a revolutionary, new approach to utlizing home equity and a house mortgage to be used to fund tax-free income for retirement

Services include:

• Alternative Market Safe Investments
• Asset preservation
• Estate planning/Wealth transfer
• IRA Distribution Planning
• Long term care planning
• Medi-Cal planning
• Reverse Mortgages
• Retirement Planning
• Income Planning
• Mortgages

For an initial consultation to review your personal situation, please call Kit Batina at 1-(800) 758-3152. There is no cost or obligation.

The office is located at 1200 Sixth Avenue, Suite 103, Belmont, CA 94002. Meetings also can be held in the convenience of your home, if preferred.

* Services provided do not include those requiring a registered investment advisor (RIA) designation or real estate
agent license. These services may be provided by an affiliate member.

California Life Insurance License Number: 0D86673

Only 4% of all retired Americans are able to maintain their pre-retirement lifestyles.