Tom Rutkowski, President and Founder of Innovative Retirement Strategies, talks with Susan about using life insurance policies to purchase real estate to put your money to work in two places at once and garner far greater returns and tax benefits than purchasing real estate in typical ways.  This is a fascinating interview on a subject many deem a boring topic (life insurance) but real estate investors know you’ve got to dig to strike gold—this episode delivers!

Tom Rutkowski, graduated with an MBA in Finance and Investments from the University of Wisconsin – Milwaukee in 1995.  He started investing at 20 years of age.  After riding out many of the ups and downs of the market, he figured out that a simple indexed approach to investing was the best way to outperform the market.  His graduate research showed that only 1/3 of mutual funds and professional money managers can beat an un-managed index mutual fund.  Much more recently, as the need to protect his principal gets more important, he discovered an even better way to save for retirement: Equity-Indexed Universal Life Insurance.

Innovative Retirement Strategies is the IRS you want on your side! Our Business is all about creating TAX-FREE Income for our clients in their retirement. Most people follow the same approach. They invest their savings in a 401k or IRA and spread their money across different classes of Mutual Funds that match their risk tolerance. Every 7 or 9 years they will watch their portfolio values rise and fall on the wild roller coaster known as Wall Street. They don’t know that there is a better way to save for retirement so that they can avoid the roller coaster and lock in their gains.


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