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IMI Tree of Knowledge

I would like to take a moment to introduce myself – I am Karla Leonard-David, CEO of IMI Asset Management Company. I hold a double B.A. in Business Economics and Art History. IMI Stands for Investment Management International and was originally founded in 1995. In 2012, IMI went through a complete transformation. That transformation included implementing a complete social media presence. I have designed and write an educational blog that is posted to my personal and company Facebook and LinkedIn pages. These articles are a tool to inform and educate on financial planning topics. The biggest part of that transformation occurred when IMI became a full service asset management company. IMI has partnered with Jerry Vines, MBA, EA and the Law Office of Sharon Morff, to offer a fully engaged estate planning package, designed specifically to your goals. Most people do not have a solid financial plan. A reason for this is that most lack insight into what is going on in the financial industry. I realize that the process of creating a strategy for retirement can feel pretty intimidating which is why I am constantly searching for new materials, whether they are videos, articles or just questions and answers to share with everyone. IMI Asset Management Company is focused on the belief that our customers’ needs are first. I am committed to meeting those needs. I am a firm believer of the personal touch, which is so lost in today’s world. As a result, a high percentage of IMI’s business is from repeat client business and referrals. IMI Asset Management Company was selected in 2012 by the USCA as the recipient of the Best of Rancho Cucamonga Awards in Financial Planning. We want you to be able to assess, from these insights, your financial portfolio to ascertain that it is aligned with your ultimate goals for your retirement and passing your estate probate free down to your heirs. We strive to make sure you evade the costliness that can result from poor planning. We would welcome the opportunity to earn your trust and deliver you the best individual and personalized service in the industry in helping you obtain your goals. We invite you to come “join” our IMI Family.

How Cash Value Can Build a Bridge to a More Secure Retirement

Karla Leonard Karla Leonard , 1/21/2015
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Where you should save your retirement money is just as important as how much you save. Diversification is key. When it comes to retirement, you really don't want to keep all of your eggsIMI Asset Management Co., CA, Retirement Planningin one basket. Life insurance that has a cash value is a very valuable resource when it comes to making sure your assets are sufficiently diversified to ensure a secure retirement. Cash value life insurance is a very underused product or those planning for retirement. However, it has tremendous financial advantages. Cash value life insurance allows you to build up savings that are tax-deferred. The steady increase in the value of the policy can be pushed forward though more risky investments, or kept steady through more reliable ones, depending on your own risk tolerance level. Using different types of cash value life insurance, such as variable universal and indexed universal life are just a couple of the many choices this type of investment gives you in your wealth building activities. The accumulated value of the policy can be used through loans and withdrawals from it as needed. When the policy is cashed out completely, it is not likely to have much, if any, of an impact on the tax bracket of the owner. This means there will be no taxation implications for the owner's Social Security or Medicare benefits. Plus, this is one retirement investment that you can access before your other retirement accounts if you decide to retire early. While not entirely without risk, cash value life insurance is one of the safest retirement accounts you can create. It can bridge the gap in income between retirement and reaching the eligible age to access other accounts. It also provides tax benefits other investment vehicles can't provide. Talk to your insurance agent today about a cash value life insurance policy to plan for your retirement.