Financial Literacy Group

Debt Manager and our go debt free program uses sophisticated technology that serves as a financial GPS to direct the user to pay off their 30 year mortgage in as little as 5-7 years, with no change to your budget.

Financial Literacy Group is changing the narrative on financial wellness, by providing hybrid financial arbitrage solutions that will help you create a healthy, long term financial future. An optimized personal financial position.

Why Hybrid Arbitrage - Because We've Been Fooled Banking Solutions and Why Hybrid Arbitrage? Just a few short years ago, I was staunchly opposed to indexed universal life insurance, because that’s what I was taught by the national "banks" and “gurus” years ago. I believed (as many people still do) that if you need life insurance, you should buy a term policy, then take the difference in premiums between whole life and term and invest it in mutual funds.

Mortgage Arbitrage - What is a smart way to invest money? Hybrid Mortgage Arbitrage is a type of Banking solution that deals with home buying and equity. This solution is a unique combination of GPS debt technology and a special kind of liquid index universal life insurance, POLI (Private Owned Life Insurance), a type of BOLI for any American adults, family or businesses. Early debt payoff, interest elimination and turning liabilities into income and wealth. This has never been done before.

Tuition Arbitrage - Hybrid Tuition Arbitrage is a type of Banking solution that deals with preparing for university tuition . This solution that is a unique combination of GPS debt technology and a special kind of index universal life insurance, POLI (Private Owned Life Insurance), a type of BOLI for any American adult or family. Early debt payoff, interest elimination and turning liabilities into income and wealth.

Financial Ecosystem With Betterment Inc. Is A Customizable Technology Driven, Digitally Integrated Financial Wellness Solution That Is A Catalyst For Improvement In Workplace Culture. Our Hybrid Financial Wellness Solutions Educate, Inform, Engage, And Equip Each Employee With The Knowledge And Tools They Need To Take Control Of Their Financial Future. Betterment Inc., Is A Progressive Financial Wellness Solution That Makes Your Employees Smarter About Their Finances. Our Solution Exposes Employees To Breakthrough Financial Technologies, Proprietary Debt Reduction Techniques That Have Positive Impact, Both Short Term And Long Term Financial Ecosystem .

The Differences Between 401K, IRA, and Indexed Annuities as Retirement Instruments: 401(k): A retirement savings account provided by employers. Contributions are often made with pre-tax dollars, which can reduce taxable income for the year in which the contributions are made. Earnings grow tax-deferred until withdrawn, at which time they are taxed as ordinary income. There are often penalties for withdrawals made before age 59½. IRA (Individual Retirement Account): A personal retirement savings account. There are two common types: Traditional and Roth. Traditional IRAs allow for tax-deductible contributions (subject to income limits) and grow tax-deferred, with taxes paid upon withdrawal. Roth IRAs are funded with after-tax dollars, but earnings and withdrawals (after age 59½ and once the account has been open for at least 5 years) are tax-free. Indexed Annuities: A type of fixed annuity, but with returns that are based on a stock market index. They often guarantee a minimum return, but they may cap, but in many cases now there are uncapped versions that have no maximum return. The main advantage is that they can offer some stock market exposure without the risk of losing principal. Annuities are flexible that can be tax-deferred meaning you don't pay taxes on earnings until you withdraw them or they can be set up as a Roth IRA with no tax on the earnings or on the withdrawals.