OakTree Premium Finance
www.oaktreeia.com
385-393-4775

After 34 years as an investment advisor, OakTree Premium Finance founder Jim Barlow decided to slow down… and take on a new challenge. He decided to transition from his investment advisory firm, Jim Barlow Advisors, to opening a new practice focused only on merging finance, investing and life insurance. His goal is to improve the estate and retirement situations of his clients, by introducing them to strategies used by the wealthy to enhance their own lives. Using his premium finance life insurance strategies and the power of leverage, he is providing his clients with a new way to fund their retirement years so they can live more comfortably once they stop working. He is also showing business owners how to better manage the potentially devastating effect of the premature loss or departure of a key employee. By utilizing his premium insurance strategies, a business owner can generate the extra funding they need to cover executive bonuses, a partner buyout and do succession planning. Come to OakTree Premium Finance and let Jim show you some innovative ways to protect and grow your assets for you, your family or your business.

https://youtu.be/M68AnEiHwKg

Financial Advisor, Wealth Management
Farmington UT

0

OakTree Premium Finance
www.oaktreeia.com
385-393-4775

What are the three stages in your financial life? The first stage is preparing for life’s uncertainties. The second stage is managing your net worth and the third stage is managing retirement and your estate. The base of the pyramid is preparing for life’s uncertainties. Insurance is the most cost-effective way to deal with this. Insurance can include life and health insurance, disability insurance, long-term care insurance, home and auto insurance and insurance against other perils. Adequate liquidity in your investments or in cash to cover emergencies along with a will is important. The next level involves managing your money. Investment strategies should include diversification and risk management. The best option is to review you goals with a professional. The top tier addresses retirement and estate planning. The ultimate goal is to ensure that you have income and assets for as long as you live. Your investments should be in line with your specific situation, goals and risk tolerance. An estate planning professional can provide you with documents necessary to ensure a planned distribution to beneficiaries. The three stages sound simple yet few people adequately prepare for any of them. We can work with your tax and legal professionals to develop a plan to help you reach your financial goals. So please give us a call today.

https://youtu.be/l1cL7iNKS7k

Financial Advisor, Wealth Management
Davis County UT

0

OakTree Premium Finance
www.oaktreeia.com
385-393-4775

People often ask, “What is a Rider and why do I need one”? A rider is a provision in an insurance contract, either life insurance or an annuity, that is purchased separately and provides additional benefits beyond the basic policy. Riders help meet your specific needs. Here’s an Example. An Accelerated Death Benefit rider on a life insurance policy would provide the insured with a payout while he or she is still alive, in the event of a terminal illness. The proceeds could be used to pay medical bills. Riders assist insurance and annuity contracts to increase benefits to the policy holders when they need them the most. And riders have helped traditional insurance policies meet new consumer needs that were not covered in the past. Because riders meet specific needs, they are often very affordable. Always carefully review and understand the benefits of riders. We can help you evaluate solutions and strategies to meet your needs, so please give us a call today.

https://youtu.be/wbAij9vjFto

Financial Advisor, Financial Planner
Farmington Utah

0

OakTree Premium Finance
www.oaktreeia.com
385-393-4775

For every Life insurance policy, there is an owner (which is usually the insured) and a beneficiary. At death, the proceeds are included in the owner’s estate for Estate Tax consideration. If proceeds pass to the spouse they could become estate taxable in the spouse’s estate. The Life Insurance Trust is irrevocable and non-amendable and thus is an entity unto itself. There are several benefits to an Irrevocable Life Insurance Trust: the trustee of the trust can control the distributions from the trust. And it provides added liquidity without having to liquidate assets for the survivor. When transferring a policy into an Irrevocable Life Insurance Trust , the insured must survive for three years. If not the policy value will be included in the estate. Most Irrevocable Life Insurance Trusts are funded by annual gifts for gift tax purposes. The Irrevocable Life Insurance Trust can purchase assets from the estate or loan money to the estate. Complex tax rules apply so professional financial help will be needed. Call us today to learn more about how an Irrevocable Life Insurance Trust can Benefit You.

https://youtu.be/xvM6M6MgCFA

Financial Advisor, investment planning
Farmington UT

0

OakTree Premium Finance
www.oaktreeia.com
385-393-4775

Are you planning for retirement and wondering how to get the most out of your 401k or other retirement funds? What many people don’t know is that Life Insurance can provide a wonderful vehicle for a tax free retirement. Here’s how it works. When you put money into a 401K, you get a tax deduction, and the money grows tax deferred. When you withdraw the money in retirement, you pay taxes on it. But when you purchase a life insurance policy, it’s different. You don’t receive a tax deduction at first. The money grows tax deferred, just like a 401K. But when you withdraw the money, it’s tax free! This could add up to a savings of 400% on taxes over a 30 year period. To learn more about smart retirement saving strategies, give us a call, or visit our website today.

https://youtu.be/0IWKC5wro6Q

0

OakTree Premium Finance
www.oaktreeia.com
385-393-4775

A life insurance policy protects your loved ones against the loss of your income after your death, and helps to preserve their standard of living. You’ll name a beneficiary to receive the proceeds, and in exchange, you’ll pay premiums as outlined in the policy terms. Once you’ve determined how much you need, factoring in future expenses and current debts, you need to decide on one of the four types of life insurance: term, whole, universal or variable. Term life insurance covers you for a specific period of time, like one, two, ten or twenty years. The death benefit is paid only if you die within the policy term. Premiums generally start out lower, depending on your age, which allows you to buy more coverage. Whole life or “permanent” insurance covers you as long as you pay your premiums. The policy accrues a cash value that you can collect if you terminate the policy. It pays a fixed amount on death, and premiums are usually higher than for term insurance. Universal life insurance is also “permanent” but this option offers greater flexibility than whole or term. You can increase or decrease the cash value and death benefit if your needs change, with a related rise or drop in premiums. Variable life insurance is another type of permanent life insurance, but with an investment component. The cash value is invested in sub-accounts similar to mutual funds. Variable life is considered a security because of its investment risk. If you’d like to learn more about the pros and cons of different insurance policies, call us or visit our website today.

https://youtu.be/AsgEHdMLxng

Financial Advisor, Wealth management
Farmington UT

0

OakTree Premium Finance
www.oaktreeia.com
385-393-4775

If you’re a high net worth individual or the owner of a successful business, you may be considering employing a life insurance strategy to protect the assets you’ve worked so hard to accumulate. The problem is, paying insurance premiums may disrupt your cash flow. But what if you could use other people’s money to cover those premiums? At OakTree Premium Finance we have strategies that can help you purchase the life insurance you need, without tying up or liquidating your assets… and without disrupting your cash flow to pay premiums. Borrowing money to pay premiums allows you to retain capital for personal and business investment, while potentially increasing the rate of return on the cash value of your insurance policy. Our traditional premium financed strategies work best for high net worth individuals who want permanent life insurance, while also retaining control of their assets. As with any important decision, you should discuss both the risks and benefits of this advanced strategy with a financial professional. To find out more about OakTree Premium Finance strategies, call us for a no obligation consultation today.

https://youtu.be/ghSqutCqisc

Financial Advisor, Retirement Planning
Farmington Utah

0

OakTree Premium Finance
www.oaktreeia.com
385-393-4775

If you’re a high wage earner invested in a traditional IRA or 401K, you may be sitting on a ticking tax bomb. America has a debt problem that is far greater than you may realize. The U.S. debt is reported to be around 26 trillion dollars, but if the Federal Government were forced to report all its unfunded liabilities the way a public company does, it would be closer to 126 trillion dollars. In order to address the deficit, what if Washington decides to raise taxes? As a high wage earner, you’re already paying more than your fair share of taxes, and a tax increase in retirement could force you to save more, spend less and possibly put you at risk of running out of money. Fortunately, there is a potential solution…an OakTree designed premium financed life insurance policy. It gives retirees the ability to create income in retirement that is potentially tax-free, through an insurance policy. Don’t let an unexpected tax increase jeopardize the retirement lifestyle you’ve worked so hard for. To find out more about OakTree Premium Finance strategies, call us for a no obligation consultation today.

https://youtu.be/m1T82jD1pvw

0

OakTree Premium Finance
www.oaktreeia.com
385-393-4775

Because markets are so volatile, it’s difficult to pursue a growth strategy and still protect against a downturn. At OakTree Premium Finance we utilize life insurance policies with an option hedging strategy – that can help make that possible. Let’s say you pay a premium of $10,000 and instead of investing it in the stock market, the insurance company places the majority in a general portfolio, mostly high-grade bonds. The general portfolio is designed to grow back to the original $10,000, using conservative bond yields, and it protects the policy’s value. A small amount of the premium is used to purchase an Option Hedge strategy on a market index to pursue growth. If the index experiences growth, the options are exercised, potentially giving the policy value a higher interest credit. If the index remains flat or loses value, the options expire and only the option purchase price is lost. The rest of the premium invested in the general portfolio is protected from market losses, though fees may affect the policy value. This strategy lets you pursue growth when times are good and offers downside protection when times are bad. To find out more about OakTree Premium Finance strategies, call us for a no obligation consultation today.

https://youtu.be/Ur0OXdyIecA

0