Innovative Retirement Strategies is The IRS you want on your side!
Our Goal
I want you to know that the primary goal of this website is to give you everything you need to know about Life Insurance without ever speaking to an agent. I encourage you to browse the pages and articles. You won’t find any fluff on this website. This site is full of information on how Life Insurance works and how to employ these strategies.
It’s important to point out that the “Innovative” in Innovative Retirement Strategies is not just trendy word. The planning approaches I use are much more sophisticated than you’ll find with most financial professionals. I’m happy to sell you an Annuity if you really want one, but I want to show you how to get twice the Income you can get from an Annuity.
Life Insurance Retirement Plans and The Double Play are much more sophisticated planning approaches. I don’t know why anyone would want to take on the risk of Wall Street investments, when they can get more income, more safely from each dollar of savings. Let me show you how that is possible. Just use the appoint link at the bottom of the page to set up a time for us to talk.
My approach is educational. I want you to feel absolutely feel confident that you are making a great financial decision. If you don’t feel it, you shouldn’t be doing it.
You shouldn’t need to talk to me until you are ready to see the numbers for yourself. Be sure to check out my social media accounts, like YouTube and Facebook.
EVERYTHING you need to know is available here. If you think something is missing, email me and let me know. I’ll show you where it is or create some new content.
What I Do
I specialize in designing Maximum Over-funded Life Insurance Policies. These policies are what make Innovative Retirement Strategies possible. These custom-designed policies are optimized for investing in Real Estate with Life Insurance aka The Double Play. They are also optimized for providing tax-free retirement income (Life Insurance Retirement Plans).
Already working with an Agent?
I am available to work on a fee-only basis to help you get what you need from an agent of your choice OR we would be happy to work with you and design a policy to meet your needs: Its Your Choice. Just use the “Click to Schedule” link at the bottom of nearly every page on this site to schedule a consultation.
This Business is all about:
1. Making sure you understand how you can make your money work harder with less risk.
2. Showing you ways you can reduce taxes on the money you make so you can keep more.
3. Protecting your assets
My Bio
Tom Rutkowski: Veteran, Financial Expert, and Innovative Retirement Strategist
Tom Rutkowski brings a wealth of experience and expertise to the world of financial planning and retirement strategies. As an 8-year veteran of the United States Marine Corps, Tom served with distinction as a Radio Technician in Bahrain during Operation Desert Shield, demonstrating his commitment to service and excellence from an early age.
Following his military service, Tom pursued higher education with the same dedication, graduating Cum Laude from the University of California Irvine with a degree in Economics. He further honed his financial acumen by earning an MBA in Finance and Investments from the University of Wisconsin – Milwaukee in 1995.
Tom’s professional journey spans various sectors of the financial industry, providing him with a comprehensive understanding of the market landscape. His experience includes roles as a portfolio analyst for Smith Barney and as an Economic Consultant for L.R. Christensen Associates. In 2001, Tom transitioned into sales, serving as a Sales Director for Next Level Communications, later acquired by Motorola, where he further developed his client-focused approach.
Innovative Retirement Strategies
In 2012, Tom made a move to Florida, where he established his Life Insurance business. This venture allowed him to combine his extensive financial knowledge with his passion for helping individuals secure their financial futures.
What sets Tom apart is his rare blend of expertise across multiple financial domains. He possesses a deep understanding of the stock market, life insurance retirement strategies, real estate investing, and alternative investments. This broad knowledge base enables Tom to offer holistic financial solutions tailored to each client’s unique needs.
Tom’s insights have made him a sought-after guest on numerous real estate investor podcasts, and he was recently featured in a series of interviews on the Influential Entrepreneur’s Podcast.
In his quest to provide the best retirement solutions, Tom has become a strong advocate for Permanent Life Insurance, specifically Maximum Over-funded Life Insurance. He believes this innovative approach offers superior benefits for retirement savings compared to traditional methods.
With his military background, academic achievements, diverse professional experience, and innovative approach to retirement planning, Tom Rutkowski stands ready to guide clients through the complexities of financial planning. His commitment to service, coupled with his extensive knowledge, makes him an invaluable ally in achieving long-term financial security and success.
How to Reach Me
Questions? Click the button to schedule a time for us to call you.
No Rendering of Advice: The financial content in this document is provided for your personal education. It is not intended for trading purposes, and cannot substitute for professional financial advice. Always seek the advice of a competent financial advisor with any questions you may have regarding a financial matter. Information in this document is not appropriate for the purposes of making a decision to carry out a transaction or trade nor does it provide any form of advice (investment, tax, or legal) amounting to investment advice, or make any recommendations regarding particular financial instruments, investments, or products.
The sole purpose of life insurance is for the death benefit protection. Any other benefit is ancillary.