FAQs - Bollman Retirement Services in Indianapolis

An efficient retirement plan allows you to live comfortably and happily with personal and financial peace of mind. Here at Bollman Retirement Planning, we help you establish and enjoy the most convenient retirement Indianapolis can offer.

We have financial advisors to guide you through the best retirement plans so you can gain financial independence early in life. We analyze your financial condition and provide you the best alternatives for your retirement funds.

Our financial retirement Indianapolis planners are available to meet you personally to discuss your retirement concerns and provide answers to questions you may have. If you have other concerns about our firm, check out the FAQs below to know more about our services.

Q. With all the turmoil in the financial industry, are the companies you put us with safe?
A. The few companies that we associate with have survived world wars, the great depression, and multiple recessions to not only thrive but become among the strongest in our nation, holding billions of dollars in assets and focus on the same business with the same stability that they have for years. That’s who you want to team up with for your retirement!

Q. But can’t even a strong and established company lose my hard-earned money?
A. Many can and have, but we only utilize the few companies in existence with the wherewithal and structure to contractually preserve your principle and lock-in your gains on an annual basis instead of being at the mercy of the market like most investment products are.

Q. We know we need to do a retirement program but we just don’t think we can allocate the funds to this right now.
A. You don’t need to contribute huge sums of cash. You only need to contribute what you can and on a regular basis letting the power of compounding begin its work as soon as possible. In a plan that locks-in your principle and gains on an annual basis while still leaving you what you need to run your family life or business. We can help you by discussing strategies we have learned as well as what other people that we have worked with have done to find the funds within their lifestyle to put together a retirement for themselves.

Q. Why would I want the expense of Life Insurance as a retirement program?
A. Some Life Insurance is very expensive and many have no “living benefit” to them, only a final “death benefit”.
However, we all need Life Insurance in some form to protect our family and business. Universal Life is affordable, permanent, premium Life Insurance that when properly structured and utilized with an Indexing Strategy (IUL) becomes an effective, permanent, premium retirement platform as well. Offering a tax free income stream for life as well as the death benefit protection in the interim and finally, the greatest wealth transfer method available to Americans.

Q. What if I already have sufficient Life Insurance coverage?
A. We can meet to determine your goals and retirement needs and compare the expenses and benefits of your existing policy to what we would offer as a replacement or to supplement what you have now. If you determine that a replacement policy with us would be more beneficial to you as Life Insurance with a Living Benefit (for retirement) as well as death benefit, then we can do a section 1035 Exchange of any cash value available from your existing policy into your new IUL policy, with no tax consequences.  The expense of the previous policy can now be put to use to help fund your new IUL policy and your retirement!

Q. What if times get hard for us financially or there are pay cuts or lay-offs at work?
A. You can shut the entire program down at anytime. But this is your retirement program and you would naturally try to maintain it if possible. You would not have to continue to make the premium payments that you originally intended. But you would need to make minimal premium payments to sustain the policy so it does not lapse and when your financial condition clears, you can get back on track. These policies are very flexible and much more of a contractual obligation on the companies part than yours.

Q. What if my health will not let me qualify for an Index Universal Life policy for Retirement?
A. We can write an IUL policy on anyone that has an insurable interest with you, and still accomplish our goal.

Q. How much will I owe you to assess my financial condition and my retirement goals and put together an effective program?
A. The company that I work with and put you with to meet your retirement needs will pay me and you will owe me nothing for my services. 100% of your investment dollars will go to work for you to build your retirement program. Also at no charge to you, you may continue to use Bollman Retirement Planning to service and monitor policies or ask any questions as time goes by. Let us assist family members or friends with their retirement needs as well. We appreciate your patronage and build our business by referral.

(Watch the Flash presentation located at the bottom of the Home page for more answers)