Does Your Retirement Plan Have a Hidden Gap?
Learn how others like you protect their wealth, lifestyle, and
legacy in time.
Speak with a trusted advisor and learn how life insurance can grow your wealth, lower taxes, and secure your future.
Here’s how we help you
Escape the tax traps that silently drain your retirement savings
Shield your lifestyle from inflation, market risk & rising healthcare costs
Turn life insurance into a smart financial asset,
not just a safety net
Turn life insurance into a smart financial asset not just a safety net
Build generational wealth with more control and
peace of mind
Build generational wealth with more control and peace of mind
No cost. No pressure. Just clarity on the gap you didn’t know you had.
No Matter Your Income Level, There’s a Risk
You Might Be Missing.
From survival to legacy, retirement planning challenges affect everyone
— but the right strategy can solve all three.
Average-Income Individuals
Impact: Survival Risk
May not have enough savings to cover basic expenses
Risk of running out of money in retirement
May rely on Social Security or need to work longer
Middle-Income Earners
Impact: Lifestyle Risk
Difficulty maintaining standard of living
May need to downsize, delay retirement, or cut back on life plans
Healthcare and inflation are major threats
High-Net-Worth Individuals
Impact: Efficiency & Legacy Risk
Unnecessary tax loss and liquidity traps
Poor asset protection or wealth transfer structure
Risk of reducing legacy due to inefficient planning
We Understand What
You're Really Up Against.
At Think & Grow, LLC – Strategic Wealth Alternatives, we help clients bridge the retirement gap by using life insurance as a core financial tool—one that supports tax mitigation, risk management, and exit planning. Through strategic design and execution, life insurance transforms from a simple safety net into a powerful asset for wealth building and protection.
Success Doesn’t
Guarantee Security.
You’ve built a career or business that most dream of — but financial blind spots remain:
No tax-smart business exit
Retirement confusion despite high income
Assets exposed to lawsuits and volatility
Families left with costly, unclear wealth transitions
You’ve come too far to leave your future
vulnerable.
What Happens If
You Wait?
Unnecessary Taxes
Costly Business Exit
Financial Exposure
A Fragile Legacy
Without a plan, your future — and your family’s —
stays exposed.
Think Life Insurance Is Just for
Death Benefit? Think Again.
| Myths | Truth |
|---|---|
| Life insurance is only useful when I die | Life insurance with living benefits allows you to access a portion of your death benefit while still alive, covering conditions like terminal, chronic, critical, or critical injury illnesses. |
| It’s only for the wealthy | Life insurance is a valuable tool used by individuals of all income levels to protect their assets, build wealth, plan for retirement, and facilitate wealth transfer. |
| It’s too expensive to be worth it | Life insurance can be structured in a way that fits any budget and provides excellent financial protection, often more affordable than expected.
Formula for ROI: Death Benefit
Total Premiums Paid
|
| Life insurance is an expense | Life insurance can be an investment that builds wealth over time, providing living benefits and financial security, making it more of an asset than an expense. |
| I don’t need life insurance if I have no dependents | Even without dependents, life insurance can be used for estate planning, tax mitigation, and liquidity management. |
| Life insurance is only for risk protection, not a financial tool | Life insurance is a powerful financial tool that helps with risk management, tax mitigation, and exit strategies. It protects your family’s future, covers debts, and ensures business continuity. It also provides liquidity for estate taxes, facilitates business transitions, and can be used for tax mitigation through loans from accumulated cash value. |
Clarity. Strategy. Results
01 Discover
Understand your current financial
risks and goals
02 Design
Build a smart strategy around tax,
risk, and retirement
03 Deliver
Implement and evolve with
you over time
Strategic Solutions We
Specialize In
Tax Efficiency
Risk Management
Business Exit Planning
Wealth Transfer & Legacy
We Work Best With…
High-Income Earners
Business Owners
Financial Professionals (CPAs, Attorneys, Insurance Agents)
Aspiring Advisors Seeking Mentorship
We Work Best With…
High-Income Earners
Business Owners
Financial Professionals (CPAs,
Attorneys, Insurance Agents)
Aspiring Advisors Seeking
Mentorship
Real People. Real Outcomes.
I’m an engineer who retired two years ago in 2022. I’ve paid off my home and two rental properties, earning $8,500 a month from Social Security and my rentals. I wanted to buy land in Hawaii and a property in New York without selling my rentals. After just 45 minutes with Elizabeth, I learned a lot. I didn’t realize my rentals were yielding less than a 3.5% return, and I was unaware of traditional 1031 exchanges and the 45-day rule. Elizabeth explained my situation as 'Rich in assets but poor in cash.' She recommended checking with my bank about 0% down payment options for real investors and looking into a Self-Directed 401(K). It gave me ease knowing Think & Grow doesn’t charge consultation fees. I’m excited to explore Alternative 1031 Exchanges and other strategies to protect and grow my assets and create an exit strategy for when my children are ready to manage my legacy.
-Angie
I'm a business owner, my husband is a W-2. His employer offered life insurance, and we valued the protection it provided. We learned from Think & Grow that once my husband leaves the company, we have a 30 to 60-day window to convert his group life insurance policy to an individual policy. However, this conversion would likely be more expensive due to his age at the time of leaving the company. We decided to take a leap of faith and asked Think & Grow to conduct a Retirement Gap Analysis and Strategic Planning for us. To our surprise, this service came at no cost, and now we have a clear plan for our financial future.
-Mindy
As a single guy, I never really understood how life insurance could be a financial tool to build wealth. That changed when Dominick from Think & Grow asked me why I was participating in the 401K plan offered by my employer. When I answered, 'For sure,' he then showed me how I could grow my retirement by up to 3-4 times through Premium Bank Financing. Thanks to Think & Grow, I now have a much clearer understanding of how to make smarter financial decisions and grow my wealth for the future.
-Dan
My wife and I made the leap from the corporate world to full-time entrepreneurship. However, we quickly realized that the business expenses, 21% corporate tax, and personal taxes were making us reconsider our decision and even think about going back to corporate life. Thankfully, Think & Grow stepped in and showed us how to reclaim our income tax in our retirement years and beyond. With their guidance, we now have a clear path to financial freedom and peace of mind in our business and personal finances.
-Phong
I've always admired my parents for the life they've built, and I aspire to achieve the same lifestyle. They successfully leveraged bank money to buy their first home and repeated that process to grow their real estate business. Witnessing their success, I recognized the power of using smart financial strategies, like leveraging, to build wealth. While I’m still young and not yet interested in owning real estate, Think & Grow offers an alternative strategy called Premium Bank Financing, which provides a similar wealth-building approach without the need for property ownership.
-Angela
Your Future Deserves More Than Guesswork.
Without a plan, you’re exposed. With us, you
gain protection, clarity, and peace of mind.
Without a plan, you’re exposed. With us, you gain protection, clarity, and peace of mind.
Call Now: 877-741-9393
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