University of Pennsylvania

University of Washington

University of California, San Diego

I Guarantee Physician Business Owners A Secure Financial Future

Seattle, Washington, United States

- In the world of personal finance, there are few financial products that rival the stability, liquidity, high risk-adjusted rate of return, and tax efficiency that whole life dividends afford its owner . The great benefit of the money you have inside of your cash value whole life insurance is that it will receive a competitive return without the risk of capital loss.”Whole life insurance grows cash value until it surpasses the premiums paid and creates an excess return (like building equity in a home), which can then be tapped tax-advantaged for college, retirement, etc., while it continues to grow during your use of the money and continues to provide life insurance (+ disability protection + LTC). In the last 50 years it has performed similarly(+) to the Dow Jones Industrials during the 20th century (66-->11,497), except for NO loss years. (e.g., No waiting 24 years to break even again after 1929.)Aesop's Tortoise. For families that need an asset to be there in good AND bad times, it may be the most flexible, stable, tax-advantaged, and helpful package of financial options available. (See publications, above.)Whole life insurance has a history of 150+ years of success in the USA--right through the Civil War and every recession, depression, etc. since.So when investments and real estate fall, AND jobs are lost, no asset liquidation involving permanent loss of capital must necessarily occur, and no loan committee will be required for access.That is why whole life insurance has been the FOUNDATION of quality financial and legacy planning for more than a century and a half.“Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did.” -Mark Twain

Safe Money Strategies

What Can A Whole Life Insurance Policy Do for Me?

When long-term care insurance is added as a rider to your whole life insurance policy the gain in the policy pays for your premiums PLUS compounds your cash at conservative, competitive rates, sometimes returning 3-5+ times your basis.The average cost of a private room in a nursing home in most major metropolitan areas today is $10,000+/month. If you are 45 years old today, when you turn 85 (at 3.3% inflation), that's $33,000/month. Almost 70% of those over 65 today will need care at some point. What's your plan? Who do you want to get your money: the government, the nursing home, the hospital, or your family?This is sensible, eminently rational, and returns your entire premium plus compounding.For example, it can be used as tax-advantaged retirement supplementation, then tapped for an expensive, extended nursing home stay and STILL provide a legacy to your loved ones (or charity). This all occurs outside of probate (privately) and free of taxation (below estate tax thresholds).

Long Term Care Planning

What is Asset-Based Long-Term Care Insurance?

College planning without excessive risk and with lifelong usability. For example, if you (parents or grandparents) set aside $5,000/yr. for a newborn baby girl today for a "college fund", it grows to ~$3M+ in cash value and $6M+ in death benefit by the time she is 65 years old. ($9M/$11M by 85yo) With guidance, she could use that cash throughout life for college, cars, home, retirement (all tax-advantaged), long-term care and still leave a legacy. Also, it has a disability waiver that can pay the policy through age 99, if needed. If placed in a trust, she will enjoy creditor protection in case of unplanned events. What's wrong with that? What other top tier/blue chip financial firm will give you such unilateral guarantees, in writing? And WHO else has performed on their promises for 150+ years (with no government intervention)?Or…What do people end up with who are tempted by speculation? (Aesop's Hare?)“Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did.”                 --Mark Twain

College/Future Financial Planning

Want a $3 Million Dollar Baby?

Robert Park Financial

Founder/Principal

Multifamily residential property and securities investment management.

Robert Park and Associates

Private Investor

Nuclear Medlicine

University of Washington Medical Center

Internal Medicine/Intensive Care (Medical/Surgical)