Who we are

As an independent agency, Strength & Honor Financial proudly collaborates with several A-rated finance and insurance companies. This allows us to offer you a wide range of options to meet your unique financial needs.

 We believe in transparent and accessible financial guidance, which is why we never charge consulting fees. Whether you're just starting your financial journey, building wealth, or already financially secure, we're here to provide the support and solutions you need.

 Strength & Honor Financial is also a proud partner of Invictus Financial Solutions, further strengthening our ability to serve you.


Logo for Strength & Honor Financial LLC featuring a shield with a crown on top and decorative flourishes, with the tagline "Building your future with strength and unwavering honor."
Logo with laurel wreath and the words 'Invictus' and a stylized trophy or sword in the center.

How we make it happen.

Indexed Universal Life (IUL)

Indexed Universal Life (IUL) is a type of permanent life insurance that offers a cash value component tied to the performance of a market index, such as the S&P 500, without directly investing in the stock market.

Key Features and Benefits:

  • Cash Value Growth: The cash value grows based on the performance of a chosen market index, with a guaranteed minimum interest rate to protect against market downturns and a cap on the maximum growth.

  • Tax-Free Access to Cash Value: Policyholders can access their cash value through loans and withdrawals, which can be tax-free when structured properly. This can provide a flexible source of funds for various needs, such as college funding, retirement income, or unexpected expenses.

  • Death Benefit: Like all life insurance policies, IUL provides a death benefit to your beneficiaries, offering financial protection for your loved ones.

  • Flexibility: IUL policies often offer flexibility in premium payments and death benefit amounts, allowing adjustments to fit changing financial circumstances.

Ideal for:

  • Individuals seeking tax-advantaged wealth accumulation with downside protection.

  • Those looking for a flexible source of funds for future expenses.

  • Clients who want to leave a tax-free legacy to their beneficiaries.

Annuities

Annuities are contracts issued by insurance companies designed to provide a steady stream of income, often for retirement. They are primarily used for retirement planning and can offer guaranteed income, tax deferral, and death benefits.

Types of Annuities We Utilize:

  • Fixed Annuities: Offer a guaranteed interest rate for a specified period, providing predictable growth and principal protection.

  • Indexed Annuities: Similar to IUL, these annuities offer returns linked to a market index, with protection against market losses through a minimum interest rate and participation caps. They combine potential growth with principal preservation.

  • Variable Annuities: Allow for investment in a range of sub-accounts, similar to mutual funds, offering potential for higher returns but also carrying market risk. They often include optional riders for guaranteed income or death benefits.

Key Features and Benefits:

  • Guaranteed Income: Many annuities offer riders that guarantee a lifetime income stream, regardless of market performance, providing financial security in retirement.

  • Tax-Deferred Growth: Like IUL, earnings within an annuity grow tax-deferred until withdrawals begin, allowing your money to compound more quickly.

  • Customizable Payout Options: Annuities can be structured to provide income for a specific period or for life, offering flexibility to meet individual needs.

  • Death Benefit Protection: Some annuities include a death benefit feature, ensuring that a portion of your remaining annuity value is passed on to your beneficiaries.

Ideal for:

  • Retirees or those approaching retirement who want a guaranteed income stream.

  • Individuals looking to supplement their existing retirement savings.

  • Clients seeking tax-deferred growth for their retirement funds.

By strategically combining Indexed Universal Life and Annuity products, we can help you create a comprehensive financial plan that addresses your unique goals, whether it's accumulating wealth, protecting your family, or securing a reliable income in retirement.


Contact us

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