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How We Can Help You

At Aquila Legacy Group, Inc., what sets us apart is being totally present in our process with you to create an instant connection.  We feel that being present creates extraordinary powers to tap into and harness to guarantee success for both parties.  

Our goal is to simply engage you in a conversation about the truth of your situation. By doing so, we will be able to determine if we’re a fit for each other. It’s important not to assume we’re a fit until we have created a moment of vulnerability with you.

We want for you to trust that you’re going to get what you want, so the decision you choose becomes simple and easy. Why don’t we make our first meeting a trust-based diagnostic consultation?

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Protection Planning

For the insurance industry, and especially for cash value life insurance, the crash of 2008 introduced the perfect opportunity to reassert the value of protection, savings alternatives, and income products in the face of financial insecurity. With our current situation in early 2024, now more than ever, the products offered by insurance companies are of tremendous value to you.

 

Insurance products are designed to take care of individual and business needs by paying people money when they need it most. The decision to buy life insurance should not be determined by math, but by the consequences of the decision. Don’t you have to insure what can go wrong to gain the opportunity to invest in what can go right?

 

Ask yourself, how much is in your control and how much just happens? Our focus is to always find ways to protect individuals and businesses for the long term. At the end of the day, we feel our job is about the people we serve – keeping a family or business going in the event of premature death, providing retirement income that cannot be outlived, protecting income if someone becomes sick or disabled, or providing a legacy when someone dies.

Debt Management

Robert Kiyosaki, the author of Rich Dad, Poor Dad, distinguishes between “good debt” and “bad debt”, with the former being used to acquire income-generating assets such as real estate, businesses, or other investments. Many people fall into the trap of acquiring liabilities instead of assets, particularly when using debt. 

 

This concept of using “good debt” as leverage should be considered as a cornerstone of one’s sophisticated investment strategy – it’s not for everyone. Why do we say this? Consider this: the average individual pays 34% of the money they earn in their lifetime to interest. About $.40 of every dollar the average American earns goes out to taxes, leaving approximately 26% to pay for everything else. And what’s worse – of that amount, only 3% goes to savings.

 

Our first order of business is to get you out of “bad debt” in half the time as your current schedule to reduce the volume of interest you are paying to lenders. By showing you how to do so in the most efficient manner, we will simultaneously increase your cash flow, recover lost opportunity costs, decrease your taxes, and help you retire with tax-favored income.

Financial Planning

Most people own a variety of financial products and have made a variety of financial decisions on investments and products throughout their working years. They have made them separately without thinking of integrating either into a coordinated strategy. Consequently, most waste money and fall short of reaching their full financial potential.

 

Instead of making decisions one at a time in an isolated manner, we believe in making financial decisions based on an organized and coordinated strategy – responding versus reacting, so as to manage the ripples of each decision. A financial plan isn’t a static document; it’s a tool to track your progress, and one that should adjust as your life evolves, allowing you to make the most of your assets and giving you the confidence to weather any bumps along the way.  Knowing how to make your money work for you and not just where to put it allows for a winning strategy. Where is it written in finance that you have to lose 30, 40 or even 50% every time the stock market crashes in order to make money?

 

We believe that it starts with maximum protection for your family, lifestyle, and assets. So, understanding your human life value and the proper life insurance coverage is paramount.  From there, sufficient liquidity trumps everything in providing peace of mind, so understanding your personal financial statement is key.  Proper debt structure and building a proper credit profile in case life happens – and it does – is better safe than sorry. Lastly, long-term wealth building requires long-term planning and a better understanding of real rate of return versus an average rate of return. Keep in mind that money is not math, and math is not money.

Tax Management

When the government needs more money in the future, will they get that money from the 90% of Americans who don’t have the money or the 10% who do? The goal with tax management is to legally reduce taxes owed by taking advantage of tax laws, deductions, credits, and income sources with preferential tax treatment. Tax savings and tax postponement are two very different things.


Keeping in mind that not all money is taxed the same, there are several reasons why tax management should be a part of your overall plan. Taxes are your largest expense because they impact all phases of your financial life. Taxes exist in all stages – your working years, retirement, and even after death when you pass your assets. Since you do not age out of taxes, it’s going to be a challenge to find opportunities to reduce your tax burden without proper tax planning.

 

The focus with tax management is how we continue to maximize your income with specific efforts around minimizing your taxes. We take a proactive approach to understand all of your options, helping determine where, how, and what assets to use today, tomorrow and in the future. More importantly, because situations evolve and laws change, we want to continually evaluate our approach for additional opportunities. What do you think taxes will be in the future – lower, the same, or higher?

Retirement & Legacy Planning

The retirement years used to be called the golden years; a time to rest from the rigors of a job with ample time to explore hobbies, passions, and even the world. But in recent years, the attitude toward retirement has been shifting, and expectations for those golden years are evolving. We ourselves don’t view retirement as the traditional stop-working-altogether idea.  We believe, like most of the clients we take on, that retirement is now whatever way you define it – working part-time, volunteering, or not working at all and traveling (our favorite goal).

 

Today, 16% of the currently employed plan to work for pay during their retirement and not entirely of our necessity. In fact, 81% of retirees do so because they have found their passion and find it rewarding. Other reasons people choose to continue to work include staving off boredom, keeping a sense of independence, purpose, and maintaining insurance benefits.  About half of all workers plan on working into retirement just to stay active.

 

The bottom line is this: when Americans think of retirement, they think of freedom and enjoyment. So, how do you define retirement? Many of our clients in their 30’s and 40’s have started their retirement planning with us. It’s never too soon to brush on the first few strokes of your future dreams – we can help you start.

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