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The Single Most Under-

Utilized Financial Tool A

Business Owner Uses

by Maribel Pina, PLLC

One thing is true when it comes to making money, “It’s not
what you make, it’s what you keep that matters.” As a licensed
financial coach, I specialize in helping people understand the
value of making important adjustments that have a significant
impact on what business owners keep for themselves and their
family.

Although I am a fan of diversification, running. This means my children will accounts. Although very lucrative, it
I’m going to focus on one particular enjoy the benefit of my vision and requires individual consultation and
financial instrument. It is probably income for their future. custom design. Once in place, this
the single most under-utilized tool can be the game changer that your
that a business owner can use to I also know from experience that business is looking for. Not only
solidify their retirement, protect there are few tax-free retirement does it create income out of liability,
the legacy of their business, and options for business owners. An IUL but it also accelerates retirement
turn their overhead expenses is one of the easiest to use because it income, disability income, and other
into revenue. A custom designed is both flexible and accommodating benefits organic to the product
and properly structured Indexed to higher income earners. Best of itself.
Universal Life plan (IUL) will provide all, the contributions can often be
tax-free retirement income for a tax-deductible expense for the Maribel Pina is passionate about her
themselves and tax-free benefits business itself. family starting with her two beautiful
that protect the legacy of the boys, which is her why! Helping
business. It can also provide up As always, check with your empower women, children, minorities,
to 100% disability income. Most tax advisor to confirm your and families to find stability & security
business owners can use their IUL qualifications. Making money is is her passion. She is passionate about
to flow business expenses such as essential, but a well-planned tax- financial literacy and independence,
payroll, overhead, and even taxes free retirement strategy is critical to which is why she understands
to make money on the money they ensure the quality of life a business the importance of securities and
need to spend to operate. That owner has envisioned for their investments. Her two areas of focus
would be a dream come true, right? family. are real estate and life insurance with
living benefits.
As a business owner myself, I want Both of those benefits are
to make sure that my business particularly important. However, Maribel Piña
and my legacy continue even if the single biggest advantage is the West USA Realty
something happens to me. I have ability to convert expenses into 16150 N Arrowhead Fountains Center
already worked too hard to have revenue. This is a concept that the Dr. #100
an untimely tragedy wipe out the ultra-wealthy have used for years. Peoria, AZ 85382
business I have fought to build. It is not just writing off expenses to 602-702-7700 Cell
Having a well-planned IUL in place lower taxable income, although you
means that I have assurance that a can still do that. This is a strategic IUL www.maribelpina.com
key Executive with the experience design that allows you to leverage azrealtormari@gmail.com
to operate and grow the business the dollars that you spend operating
can be hired to keep my business your business as they go out of your

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