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Frank Miller

Insurance Professional

Frank Miller

Retirement Income Planner

Braintree, Massachusetts

+16175551212

Defined Benefit Life is a major life insurance innovation, the first managed policy that tells you how to adjust to always be on-track for tax-free income.

A personal conversation. No obligation to move forward.

THE STRATEGY

A New Approach to Retirement Security Offering Unmatched Benefits and Tax Advantages

Imagine a plan managed that is managed like a pension, funded by life insurance, with guidance to keep you on track for an income that is tax-free and guaranteed for life. You decide the retirement income you want. Defined Benefit Life builds a plan to deliver it.

What working together looks like

Annuity Planning

I help clients make the most of their savings using tax deferred annuities that offer highly competitive interest rates as well as lifetime guaranteed income.

Life Insurance Planning

Life insurance built to deliver a retirement income you can count on — and managed every year to keep it on track, with protection for your family the whole way.

Understanding Defined Benefit Life

PLANNING STORIES

My clients face a variety of fiancial challenges and needs. Here are some recent situations I have helped clients address.

Planning

Illustrative example

The business owner who'd "set it and forget it"

A small-business owner had bought a policy years earlier and never looked at it again — no idea if it was still on course. We put it inside a managed plan: measured against a clear retirement-income goal, reviewed annually, and adjusted when life changed. What had been a forgotten contract became an active part of his retirement strategy, with his family protected the entire way.

The discussion focuses on
Planning

Illustrative example

The saver who was afraid of outliving her money

A woman approaching retirement had done everything right but feared the one thing savings can't answer: will it last? We focused on income she wouldn't outlive — using a tax-deferred annuity paying competitive interest and guaranteeing lifetime income— so her worry shifted from "will the money run out?" to "I know where I stand." That peace of mind was the real result.

The discussion focuses on
Planning

Illustrative example

The couple with money in too many places

A couple had retirement savings scattered across old accounts and a policy or two, with no single picture of what it added up to or whether it was enough. We didn't just consolidate paperwork — we gave them one clear retirement-income goal and a plan built to reach it, reviewed every year. Instead of a pile of statements, they finally had one answer to "where do we actually stand?"

The discussion focuses on
Planning

Illustrative example

The parent who wanted to protect the family and build income

A younger parent wanted life insurance to protect the family but worried the premiums were "money that only pays off if something goes wrong." We showed how the same policy could do double duty — a death benefit protecting the family today, inside a managed plan building toward a defined retirement income for later. One decision, working on two fronts, and checked in on every year.

The discussion focuses on

Illustrative examples describe planning situations, not actual client results. Projections depend on the policy and the assumptions used.

THREE STEPS

3 simple steps lead to retirement security.

Most life insurance plans are built once and left to drift. Mine works differently. I start with the retirement income you actually want, build a plan designed to deliver it, and then stay with you — reviewing it every year to keep you on track. Here's how it works: 1. Define your income. Tell us the retirement income you'd like. That number becomes your plan's goal. 2. Stay on track. Each year, your plan is checked against that goal and adjusted if needed — you'll always know where you stand. 3. Income for life. Your plan is built to deliver the income you set, with a death benefit protecting your family the entire way.

  1. 01

    Define Your Income

    Tell me the retirement income you'd like. That number becomes your plan's goal.

  2. 02

    Adjust to Stay on Track

    Each year, your plan is checked against your goal and you can adjust premiums if needed — you'll always know where you stand.

  3. 03

    Enjoy Tax-Free Retirement Income

    At retirement, use policy loans to distribute income that under current law is income tax-free.

LET'S TALK

Your retirement-income goals deserve a clear next step.

Contact me at 555-555-1212 or by email at sample@dblaccess.com.

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IMPORTANT DISCLOSURE

Tax treatment. References to tax-advantaged or income-tax-free access refer to policy loans and withdrawals under current federal tax law, on a properly structured life insurance policy that is not a modified endowment contract (MEC) and that remains in force. Loans and withdrawals reduce the policy's cash value and death benefit; excessive loans, or a lapse or surrender, may result in taxable income and loss of coverage. Tax laws may change. This is not tax or legal advice; consult your own qualified advisors regarding your specific situation.

Defined Benefit Life® is a life insurance strategy and policy-management platform, powered by the InForza™ Policy Management System, used with universal life or indexed universal insurance policies. It is not itself an insurance product, does not issue policies, and does not guarantee any credited rate, policy performance, or future income amount. The platform helps manage a policy toward a chosen target; it does not guarantee that any target income, value, or result will be achieved.

Guarantees, including any lifetime income and death benefit provisions, are subject to the terms of the underlying policy and the claims-paying ability and financial strength of the issuing insurance company. Any values, projections, or dashboard figures shown are hypothetical illustrations based on assumptions and are not guarantees of future results; actual results will vary.

Life insurance is not suitable for everyone and should be evaluated in light of your individual needs, time horizon, and ability to fund the policy as planned.

Insurance professionals offering Defined Benefit Life® are independent and are not affiliated with, employed by, agents of Wealth2k, Inc. The independent agent offering Defined Benefit Life is solely responsible for the advice, recommendations, and services he or she provides and acts independently of Wealth2k, Inc.

Defined Benefit Life® is a registered trademark of Wealth2k, Inc.

FRANK MILLER IS SOLELY RESPONSIBLE FOR THE CONTENT OF THIS WEBSITE

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