Your Retirement Money

Kapolei Insurance

By Darrell Que

Merle Gilley, my mentor and the author of My Family Financial Miracle just created a new online video training series where he shows hard working American families how they can protect and control their retirement money, and never expose it to stock market risk or massive taxation.

According to Kiplinger’s Personal Finance Magazine, America’s federal debt is like a “ticking debt bomb”.

This is just one of the reasons why I’m deeply concerned for my clients, friends and associates.

I personally believe The Federal Government has no choice but to eventually raise taxes. You need to know everything you can about how to legally minimize taxes and simultaneously protect what you’ve worked so hard to accumulate from Market risk.

Merle even went one step further by providing proof with his own statements since 2003 (he gives this away to anyone who visits the site).

I’ve personally never seen anyone other than Merle do this, and he’s agreed to allow my clients, friends and associates have access to watch his training videos with a private promo code he gave me.

Enter my access code: 000175

Trust me….It will open your eyes to a whole new world of creating retirement income you can’t outlive!



    The purpose of a special needs trust is to provide financial assets for a disabled child’s future care and well being, while maintaining the child’s eligibility for government benefits.
    Under current federal law, an individual with more than $2,000 in assets is disqualified from most needs-based government benefits. State assistance programs may also be based on need. If your child (or grandchild) were to receive an inheritance from you directly, it’s highly probable that the inheritance would disqualify the child from receiving needed benefits. Do not leave assets to the child directly.
    With a special needs trust, however, you leave assets to the trust. The trust is managed by a trustee, who then can use trust assets on the child’s behalf. Special needs trust requirements are stringent, so it’s important that you consult with an experienced attorney in setting one up.
    In a properly-structured special needs trust, the trust holds title to the property for the benefit of the disabled child or adult. The assets in the special needs trust can then be used to provide for the needs of the disabled individual, as well as to supplement benefits received from government assistance programs. For example, trust assets can be used for:
    • transportation, including purchase of a vehicle;
    • training, rehabilitation or education programs;
    • equipment;
    • medical, dental and eyesight expenses;
    • entertainment;
    • insurance premiums;
    • companion/home health aide expenses; and
    • items to enhance quality of life/self esteem.
    A special needs trust can hold cash, as well as title to stocks, bonds, mutual funds, real estate and personal property. In addition, it can own and/or be the beneficiary of life insurance policies. Another use for special needs trusts is to receive any proceeds from personal injury settlements without jeopardizing eligibility for government benefits.
    In order to retain eligibility for government benefits, it’s important that well-intentioned family members, such as grandparents, understand that their will should bequeath assets to the special needs trust, and not directly to the disabled individual.
    Please contact my office if we can be of assistance.