Alonzo Hall RFC® Social Media Insurance Brother

‪@TheNORegretShow‬ ‪@perfectimperfectionstudio6760‬ ‪@Kaybusinessacademy‬ ‪@ladalebuggs‬ gentleman please come through ‪@sheedwehere‬ ‪@BlackFinancialPlanner‬

5 hours ago | [YT] | 3

Alonzo Hall RFC® Social Media Insurance Brother

He doesn't sell life insurance. But he knows what the wealthy know and he's teaching you. For free, for me

1 month ago | [YT] | 2

Alonzo Hall RFC® Social Media Insurance Brother

Salute to ‪@perfectimperfectionstudio6760‬ for being my FIRST interview on social mediav

1 month ago | [YT] | 2

Alonzo Hall RFC® Social Media Insurance Brother

Success leaves clues

2 months ago | [YT] | 0

Alonzo Hall RFC® Social Media Insurance Brother

Success leaves clues

2 months ago | [YT] | 0

Alonzo Hall RFC® Social Media Insurance Brother

**🚨 The Retirement Plan Your Advisor Isn't Telling You About**

I've been noticing endless discussions about 401(k)s and IRAs, but there's a deafening silence around 412(e)(3) plans. This raises a critical question about fiduciary responsibility: Are we truly showing clients EVERYTHING available to them?

**Let's look at the numbers:**

**401(k) Plans:**
• 2025 limit: $23,500 (+$7,500 catch-up)
• Administrative fees: $45-80 per participant
• Expense ratios: 0.26%-0.60%
• Market risk: 100% participant-borne

**Traditional/Roth IRAs:**
• 2025 limit: $7,000 (+$1,000 catch-up)
• Custodial fees: $50-200 annually
• Market risk: 100% participant-borne

**412(e)(3) Plans:**
• Maximum benefit: Up to $280,000 annually
• Potential contributions: $190,000-$300,000+ per year
• Administrative costs: LOWER than traditional DB plans (no actuary required)
• Investment risk: ZERO (guaranteed by insurance contracts)
• Market volatility: NONE

**The 412(e)(3) Advantage:**

✅ **Massive Tax Deductions** - Contributions can be 5-10x higher than 401(k) limits
✅ **Guaranteed Returns** - No market risk through insurance/annuity contracts
✅ **Lower Admin Costs** - No actuarial requirements unlike traditional DB plans
✅ **Predictable Funding** - Level annual contributions, no surprise funding requirements
✅ **Life Insurance Component** - Additional death benefit protection
✅ **Estate Planning Benefits** - Life insurance can pass tax-free to heirs

**The Hard Question:**

If a high-earning business owner could contribute $200,000+ annually with ZERO market risk instead of $23,500 with full market exposure, shouldn't that be part of the conversation?

**Why the silence?**
• Higher setup complexity
• Requires specialized knowledge most advisors lack
• Insurance-based funding model unfamiliar to many
• Mandatory annual contributions (less flexibility)

**The Fiduciary Reality:**
As fiduciaries, we're legally obligated to act in our clients' best interests. When a 412(e)(3) could dramatically increase retirement savings capacity while eliminating investment risk, failing to explore this option raises serious questions about whether we're meeting our duty of care.

**The Bottom Line:**
Yes, 412(e)(3) plans cost more to administer and require annual funding commitments. But for the right client profile (profitable small business, older owner, stable cash flow), the tax savings and guaranteed benefits can be transformational.

**Challenge to my fellow advisors:** Are you equipped to discuss ALL retirement planning options with your clients? Or are we inadvertently limiting their financial futures by sticking to what we know?

The complexity of a solution doesn't excuse us from understanding it – especially when it could be the difference between a comfortable retirement and a truly wealthy one.

*What are your thoughts? Have you explored 412(e)(3) plans for your high-earning business owner clients?*

#RetirementPlanning #FiduciaryDuty #412e3 #TaxStrategy #WealthBuilding #FinancialAdvisor #BusinessOwners #RetirementBenefits

Get in touch to schedule your consultation today 203-936-7050 A.hall@cgwealth.financial

2 months ago | [YT] | 17

Alonzo Hall RFC® Social Media Insurance Brother

You've gotta watch this brother.

2 months ago | [YT] | 0

Alonzo Hall RFC® Social Media Insurance Brother

Salute to BWMM, thos goes to show that Black WOMEN have learned to support their interests.

2 months ago | [YT] | 2

Alonzo Hall RFC® Social Media Insurance Brother

Elites collaborate not compete. She's never shared anything of mine as she doesn't know I exist. However we've got the "blackmanosphere" that will come out in droves to support tearing down black women, yet won't support our black men who have credentials (outside of guys claiming to teach us how to get laid) this woman in 5 minutes has thousands of women viewing and supporting. I'm starting to think some of the ladies complaints about the lack of (B)lack men is showing itself.

2 months ago | [YT] | 4

Alonzo Hall RFC® Social Media Insurance Brother

Adding new credentials. Upward and onward always!!!!

3 months ago | [YT] | 25