4 Reasons to Be Crash Proof Going into 2025

4 Reasons to Be Crash Proof Going into 2025

As we approach the end of 2024, it’s time to reflect on the events of the past year and consider how they could affect our decision-making for 2025. This process is especially important for those who are in or near retirement, as the decisions they make in the coming months could seriously affect their financial standing in their golden years. At Crash Proof Retirement®, we work with hard working Americans every day to help them secure their retirement future, and today, our team would like to share some of the main reasons why you need to be Crash Proof® going into 2025.

Grow with the New Administration

After Donald Trump’s victory in the Presidential election in November, experts and everyday people alike are optimistic about the potential for a stronger economy moving forward. In a recent survey conducted by Duke University’s Fuqua School of Business and the Federal Reserve Banks of Richmond, 515 Chief Financial Officers were interviewed about their feelings on the economy pre- and post-election. The CFOs of companies in a broad spectrum of industries expressed optimism about the future of their own companies, as well as the overall U.S. economy, and that optimism increased after the election results were finalized. They credit this optimism to the incoming Trump administration’s support for business-friendly policies like tax cuts and deregulation.

The stock market seemed to reflect that optimism in the post-election period, with major indices surging in late November. While that post-election surge has cooled somewhat in early December, it is a good sign that investors in general are confident about the possibility of a stronger economy in 2025.

As stocks rose after the election, Crash Proof Consumers had reason to celebrate; their customized Crash Proof Retirement® Systems achieved double-digit returns as the markets hit record highs. While many traditional advisors tell their clients that safe investments can’t achieve market like growth, Crash Proof Retirement® consumers, like Anthony Torelli, are proving them wrong. The fact is that The Exclusive Crash Proof Retirement® System can credit interest comparable to and in some cases even better than risky, securities-based investments like stocks, bonds, and mutual funds, without the fees and the limitless potential for loss that comes along with them. When you Crash Proof® your retirement, you don’t have to worry that you’ll be missing out on growth opportunity by protecting your nest egg from losses.

Protect Your Nest Egg from Potential Market Crashes

Although the CFOs interviewed in the Duke University survey expressed optimism about the potential for big economic gains in 2025, they also had some concerns that certain economic policies could lead to declines in the stock market. Chief among those concerns were proposed tariffs on foreign goods. Many economists agree that while protectionist tariff policies could potentially revitalize domestic manufacturing, they are likely to increase consumer prices and negatively affect stock market performance in the short term.

Strategists at Ned Davis Research also cautioned stock market investors, based on historical economic data. Their researchers see a trend that suggests 2025 could be a rocky year for the stock market thanks to the consistent record-breaking performance it has achieved since recovering from its COVID-19 pandemic slump. According to their data, since 1928, in years when the S&P 500 has hit more than 50 record highs, this index lost 6% the following year. This historical data seems to support the idea that the coming year could be a difficult one for anyone who invests in securities.

The great thing about The Proprietary Crash Proof Retirement® System is that if the market dips at any point in 2025 and beyond, our exclusive system will protect every penny of our client’s principal and earned interest. When the markets are up, Crash Proof ®Consumers can achieve double-digit returns; when it’s down, their principal is protected from losses, and that includes any credited interest they have earned since they started. While the oldest financial rule in the book is, “buy low, sell high,” at Crash Proof Retirement®, we like to say, “buy low, protect high,” and the Crash Proof® Vehicles used in our system have allowed over 5,000 consumers to do exactly that.

Plan for Tax Law Changes

With a new administration coming in January, tax policy for 2025 and beyond is truly up in the air. While many provisions of the 2017 Trump tax cuts are set to expire at the end of 2025 – like the cut for earners making over $400,000 annually, Trump himself has expressed support for extending many of his tax cuts beyond that timeframe. With a Republican majority in both chambers of Congress, a simple party-line vote could achieve that goal, although many Republicans favor a balancing of tax policy and federal deficits rather than a full extension of the 2017 tax cuts. The future of these cuts depends heavily on the ability of the Republican party to unify behind a specific tax policy position. If they can’t come together, it is possible that taxes could rise for earners in certain income levels, as well as for estates and corporations.

No matter what happens with the tax code, Crash Proof® Consumers have a number of ways to protect themselves from tax increases. First, there’s the exclusion ratio, that allows our clients who are 59½ or older to enjoy a 10-year income and have 85% of that income be tax free on their non-IRA money. Second, there is a little-known IRS law which allows you to have a tax-free IRA now in anticipation that taxes will go up in the future. Exercising this little known law allows you to withdraw that money in the future without having to pay income tax on it. Finally, there are the tax-deferred vehicles utilized by The Exclusive Crash Proof Retirement® System. These vehicles allow you to earn interest without paying taxes on what you earn, as you would on a bank account or CD, so you won’t have to pay taxes on your credited interest until you make a withdrawal.

At Crash Proof Retirement®, our entire staff takes continuing education courses provided by PMC and are certified on the 400-600 new tax law changes that take place every year. Through this training, we allow our clients to make the most of their IRA dollars and minimize their tax liability so they can have the highest possible income in retirement.

Provide a Guaranteed Income for Your Golden Years

If you want to have the retirement you have always dreamed about, you need a consistent income, and the flexibility to increase that income if necessary, which is a distinct possibility in 2025. Rising medical expenses, inflation, and potential tax increases all make it even more important for you to find ways to have additional income when your expenses go up.

Crash Proof Retirement® can help you achieve all your retirement income goals, including the ability to increase your income when you need it. Each Crash Proof Retirement® System is custom designed to provide the income you need without depleting your nest egg. If you need income right away, your system can be designed to provide that income while your nest egg continues to grow. If you don’t need income right away, you will have more money in your system growing tax deferred. If your economic situation changes – whether due to inflation, increased medical expenses, or any of the multitude of other reasons you might need additional income – each System contains built-in inflation fighters that allow you to bring in more money without depleting your nest egg.

The income provided by the Crash Proof Retirement® System is the most guaranteed source of income there is. Because the vehicles used in the System are based in the financial life insurance industry, the income they provide will always be protected, whether the stock market crashes, the insurance company providing that vehicle goes out of business, or some other world event causes major losses for securities-based financial vehicles.

In short, the future is uncertain, and the time to Crash Proof® your retirement is now. You can have guaranteed income with the potential for double-digit interest that will be protected no matter what happens with the economy. You can protect yourself from increased taxation no matter what happens in Congress. 2025 could be your year, with help from the team at Crash Proof Retirement so call 1-800-722-9728 for your free financial checkup if you are looking for financial planners in Wayne, PA or anywhere else nearby.