Life Protection | Retirement Planning | Asset Optimization Strategies

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Our Core Services

CHANDO GLOBAL GROUP
1315 East Blvd, #323
Charlotte, NC 28203
Tel: +1 704-247-7387 | Email: [email protected]

Licensed Insurance Producer in North Carolina – NPN 21063595 | Copyright © 2025 Chando Global Group LLC. All rights reserved

DISCLAIMER! Consult with your legal or tax advisor before making any decision based on the tax-related educational materials here.

Life Protection | Retirement Planning | Asset Optimization Strategies

Why Clients Trust Chando Global Group | Transparent Financial Strategy
Financial advisor meeting with clients

Why Clients Choose Chando Global Group

When it comes to your financial future, trust and clarity matter. That’s why clients turn to us—not just for advice, but for peace of mind. Our approach blends personal care with professional precision to help you make confident, informed financial decisions.

  • 🧭 We Keep It Simple: We translate complex strategies into clear, actionable steps—so you feel empowered, not overwhelmed.
  • 💬 We Listen First: Before we recommend anything, we ask, listen, and learn about what you value most—family, freedom, or legacy.
  • 📊 We Customize: No cookie-cutter plans. Every solution is crafted to match your goals, risk comfort, and timeline.
  • 🕊️ We’re Transparent: Our advice is conflict-free. We’re compensated by the carriers we work with, so you never pay a fee.
  • ⏱️ We’re Responsive: Need guidance? We’re here—on call, over Zoom, or in person. Prompt answers. No runaround.

💡 Our promise: no pressure, no jargon—just honest, professional guidance that puts you first.

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CHANDO GLOBAL GROUP
1315 East Blvd, #323
Charlotte, NC 28203
Tel:+1 704-247-7387 | Email: [email protected]

Licensed Insurance Producer in North Carolina – NPN 21063595 | Copyright © 2025 Chando Global Group LLC. All rights reserved

DISCLAIMER! Consult with your legal or tax advisor before making any decision based on the tax-related educational materials here.

Life Protection | Retirement Planning | Asset Optimization Strategies

Learning Resources

Tax Strategies, Insurance Planning & Executive Bonus Plans | Chando Global { "@context": "https://schema.org", "@type": "FinancialService", "name": "Chando Global Group", "url": "https://www.cggrp.com", "logo": "https://imgur.com/F4j9vkE.png", "description": "Chando Global Group specializes in strategic tax planning, executive bonus plans, and insurance-based wealth solutions for business owners and individuals.", "address": { "@type": "PostalAddress", "addressLocality": "Charlotte", "addressRegion": "NC", "postalCode": "28202", "addressCountry": "US" }, "contactPoint": { "@type": "ContactPoint", "telephone": "+1-XXX-XXX-XXXX", "contactType": "Customer Service" } }

Strategic Tax & Insurance Planning Resources | Chando Global Group

📘 Core IRS Tax Code References for Business Planning

Executive Bonus Plan: Tax Code: I.R.C. § 162(a)(1)

Augusta Rule: Tax Code: I.R.C. § 280(A)(g)

📈 Wealth Strategies, Executive Bonus Plans, and Case Studies

Strategic Executive Bonus Plans for Business Owners | IRC §162

Optimized Rollovers from Qualified Retirement Accounts

Buy-Sell Agreements with Life Insurance

Key Person Insurance Strategies for Business Protection | Case Study

Life Insurance As A Financial Asset

Supplemental Retirement for Business Owners

Investing in Your Child’s Financial Future

🔥 Why an IUL Is a Smart Power Move in Your Mid-Twenties

Turn Your Home Into Tax-Free Income

💼 Retirement Planning, Cash Balance Plans, and Annuities

Cash Balance Pension Plans

Understanding Annuities

🛡️ Insurance-Based Wealth Protection Strategies

Life Insurance as an Asset

Cash Value Life Insurance Explained

Critical Illness Rider

Terminal Illness Rider

Long-Term Care (LTC)

📝 Application Forms

IUL/Term Client Information Sheet

Rollover Client Information Sheet

CHANDO GLOBAL GROUP
1315 East Blvd, #323
Charlotte, NC 28203
Tel: 704-681-4772 | Email: [email protected]

Licensed Insurance Producer in North Carolina – NPN 21063595 | Copyright © 2025 Chando Global Group LLC. All rights reserved

DISCLAIMER! Consult with your legal or tax advisor before making any decision based on the tax-related educational materials here.

Life Protection | Retirement Planning | Asset Optimization Strategies

IRC §162 Executive Bonus Plan | Chando Global Group { "@context": "https://schema.org", "@type": "Service", "name": "IRC §162 Executive Bonus Plan", "provider": { "@type": "Organization", "name": "Chando Global Group", "url": "https://www.cggrp.com" }, "description": "Use the IRC §162 Executive Bonus Plan to reduce business taxes and build tax-free personal wealth through employer-paid life insurance.", "areaServed": "US", "serviceType": "Executive Bonus Plan", "url": "https://www.cggrp.com/#executive-bonus-plan" }

Wealth Preservation Meets Life Protection—All Funded (Tax-Efficiently) by Your Business


Use IRC §162 Executive Bonus Plan to reduce business tax burden and fund your own tax-advantaged wealth — while also rewarding key employees.


Why Choose the Executive Bonus Plan?

💰 100% Tax Deductible: Your business writes it off as a bonus expense.
📈 Tax-Deferred Growth: Build cash value inside a permanent life insurance policy.
🔓 Easy Access to Funds: Use loans or withdrawals — often tax-free.
🧩 Extra Win: Combine with Golden Handcuffs to retain top talent while maximizing your own benefit.

How It Works in 4 Simple Steps:

Step 1
Company pays you bonus
Step 2
Bonus is used to fund cash value life insurance policy
Step 3
Business deducts the bonus 100%
Step 4
Policy grows and builds cash value tax-deferred

You’ll Love This If You’re A...:

✅ Business owner looking to reduce corporate taxes
✅ S-Corp or C-Corp employee-owner
✅ High-income earner looking to optimize a retirement strategy
✅ Entrepreneur wanting flexible wealth access

Case Study: Sean Wright, Owner-Employee of G8Tech Inc.

Business Owner Profile

Sean, 46, runs a profitable C-Corp (G8Tech Inc.). He qualifies for a $150K executive bonus annually and is in good health.

Policy Strategy

$5M permanent life policy with living benefits (critical/chronic illness & LTC). Designed for income-tax-free retirement & estate strategy.

Tax-Efficient Funding

MyRhys pays $150K premium + $50K gross-up bonus to Sean. Full $200K deducted under IRC §162.

Financial Outcome

After 10 years, Sean builds $1.4M+ in tax-deferred cash value — with flexible, tax-free access for retirement, reinvestment, or legacy.

Sean Wright

"This strategy didn’t just reduce our business taxes — it created a smart, flexible path for retirement and legacy planning I control."

Sean Wright, CEO of G8Tech Inc.

$200K
Annual Tax-Deductible Bonus
$1.4M+
Tax-Deferred Cash Value After 10 Yrs
$5M
Permanent Death Benefit Coverage
0%
Tax on Policy Loans/Distributions

Frequently Asked Questions

Is this IRS-compliant?

Yes. IRC §162 allows businesses to deduct reasonable compensation, including bonus payments used to fund life insurance for employees.

What if I need the funds later?

You can access the policy cash value anytime via loans or withdrawals — often tax-free.

Is there a minimum bonus amount?

Plans are flexible. Plans typically start with a $10,000 annual bonus, though high-income strategies often use $50K to $200K or more for maximum impact.

Can I offer this to my employees?

Absolutely. You can extend this benefit to key team members to increase retention, especially when paired with a vesting or restrictive agreement.

What kind of policy is used?

We typically recommend a high-quality, well-structured, max-funded indexed universal life (IUL) or whole life policy with strong cash value growth and robust living benefits - riders for long-term care (LTC), critical, chronic, and terminal illness.

What Other Business Owners Are Saying

"This strategy isn't just about compensation — it's about reengineering how value flows from my business to my family, my future, and the next generation. It's a smarter, intentional move that aligns with the vision I have for lasting impact."

— Founder, Real Estate Development Firm

"By leveraging this structure, I turned taxable income into a protected, tax-advantaged asset. It’s one of the rare financial moves that strengthens both my immediate balance sheet and my long-term wealth architecture."

— CFO, Regional Medical Group

Reduce Taxes. Build Tax-Free Wealth. Reward Yourself Smarter.


Use your business to fund permanent life insurance that grows tax-free, provides living benefits, and creates legacy — all with a 100% tax-deductible bonus.


🎯 Start Your Bonus Plan Strategy

Trusted by Top-Tier Insurance Carriers

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Life Protection | Retirement Planning | Asset Optimization Strategies

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Now Hiring Across the U.S.

Launch Your Financial Services Career with Purpose

At Chando Global Group, we don’t just sell policies — we empower individuals and protect families. Whether you're just starting or switching careers, we’ll help you succeed in the world of financial services.

What You’ll Love About This Opportunity

  • No Experience? We Train You
  • Work Anytime — Part-Time or Full-Time
  • Supportive Team + Leadership Mentoring
  • Uncapped Commissions & Bonuses
  • Inclusive, Mission-Driven Culture
  • Serve Families. Build Legacy Wealth.
Fast-Track Promotions
Life & Health Licensing Guidance
Real Mentorship. Real Growth.

Step into a career where you’re valued, equipped, and paid for your performance. Join a company that grows with you.

I’m Interested – Let’s Talk

Life Protection | Retirement Planning | Asset Optimization Strategies

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🛠️ Rescue Your Old 401(k) Before It Slips Away

You’ve worked hard to build your retirement savings — so why leave an old 401(k) or IRA account sitting unmanaged, exposed to market risk, or earning minimal growth?

At Chando Global Group, we help individuals like you reclaim, reposition, and revive dormant retirement assets using strategies that protect your principal, unlock hidden value, and deliver real results.

💡 The Problem:

  • 1 in 5 Americans leave behind old 401(k)s after switching jobs
  • Unmanaged accounts often underperform or carry hidden fees
  • Many sit idle — unprotected and unoptimized — for years

🚀 The Smart Solution:

  • ✅ Principal Protection with Growth Potential:
    Earn interest based on the performance of an index (like the S&P 500), without risking your original investment.
  • ✅ Tax-Deferred Growth:
    Let your money grow uninterrupted—free from annual tax erosion.
  • ✅ Guaranteed Lifetime Income:
    Create a dependable income stream you can never outlive.
  • ✅ Tailored Living Benefits:
    Customize income riders, liquidity access, and legacy benefits.
  • ✅ Market-Like Gains, Zero Market Losses:
    Capture index-linked growth without index-linked risk.

💡 The Bottom Line

This isn’t playing it safe. This is playing it smart.
A properly structured FIA isn’t just about defense—it’s a deliberate move toward clarity, confidence, and control in retirement.

💬 Client Testimonial: From Orphaned 401(k) to Strategic Growth

"At 50, I had $478,000 sitting in an old 401(k) with Vanguard—untouched and exposed to market swings. In November 2022, I rolled it into an Athene Performance Elite® Plus 10 Fixed Indexed Annuity (FIA) and received a 20% - $95,600 - bonus. Two years later, I locked in a 23.5% return — with zero market risk. Was it an anomaly? Maybe. But it was real. And it happened because I positioned myself strategically—not emotionally."

— Mark R., Charlotte, NC | Business Consultant

Let’s Build the Numbers Around You

We’ll show you how a Fixed Indexed Annuity (FIA) works. Free illustration. No obligation.


🔎 Schedule with a Financial Expert

📅 Book Now

Takes just 20 minutes — no cost, no pressure.

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Trusted by Top-Tier Insurance Carriers

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Life Protection | Retirement Planning | Asset Optimization Strategies

Life Insurance as a Living Asset | Tax-Advantaged Growth & Protection

Life Insurance as a Living Asset | Strategic Tax-Advantaged Wealth Planning

🛡️ Life Insurance: A Financial Asset

A Smart Addition to the Modern Wealth Portfolio


Most people think of life insurance as just a death benefit. But for financially savvy professionals, it can serve as a living asset—one that provides tax advantages, cash value growth, and strategic leverage.

Here are the primary types of life insurance that go beyond basic protection:

🔹 Term Life Insurance

Simple Protection – No Frills

  • ✔️ What it is: Affordable, time-limited coverage (e.g. 10, 20, or 30 years)
  • ✔️ Who it’s for: Income replacement, debt protection, or temporary needs
  • ✔️ Financial role: Pure insurance—no cash value or asset growth
  • ✅ Pro: High coverage at low cost
  • ❌ Con: No accumulation or return if the term ends without a claim

🔹 Whole Life Insurance

Stability + Guaranteed Growth

  • ✔️ What it is: Permanent coverage with guaranteed death benefit and growing cash value
  • ✔️ Who it’s for: Those seeking predictable, conservative long-term growth
  • ✔️ Financial role: Cash value acts like low-volatility, tax-deferred savings
  • ✅ Pro: Fixed premiums, guaranteed returns, potential dividends
  • ❌ Con: Higher initial cost, slower cash growth early on

🔹 Indexed Universal Life (IUL)

Flexible Growth with Market-Linked Potential

  • ✔️ What it is: Permanent insurance with flexible premiums and index-linked cash value
  • ✔️ Who it’s for: Professionals seeking upside potential without market downside
  • ✔️ Financial role: Tax-advantaged accumulation with policy loan access
  • ✅ Pro: Index-linked growth potential + downside protection
  • ❌ Con: Performance depends on crediting strategy and caps

🔹 Variable Universal Life (VUL)

Market-Based Growth with Insurance Backing

  • ✔️ What it is: Permanent coverage with cash value invested in subaccounts
  • ✔️ Who it’s for: Growth-oriented professionals comfortable with market risk
  • ✔️ Financial role: Tax-advantaged asset with direct investment control
  • ✅ Pro: Unlimited growth potential
  • ❌ Con: Market risk and more complexity

⚙️ Strategic Use Cases:

  • 💡 Tax-Free Retirement Income (via policy loans)
  • 💡 Private Wealth Accumulation
  • 💡 Legacy & Estate Planning
  • 💡 Executive Bonus or Business Continuity Strategies

✅ Bottom Line

Life insurance isn’t just about what happens after you’re gone. It can be a strategic, living financial asset with long-term value, tax advantages, and planning power—especially for individuals focused on wealth preservation and transfer.

💬 Real Clients, Real Results

"I never thought of life insurance as an investment tool until I learned how my IUL policy could grow tax-deferred and fund my retirement. It's now the most stable part of my portfolio."
– Paul E., Physician & Practice Owner

"We used a life insurance strategy - IRC 162 Executive Bonus Arrangement - to reduce our business taxes and create a smart, flexible path for retirement and legacy planning."
– Sean W., Tech Startup CEO

"As a high-income earner, I was maxing out my 401(k) and needed something more strategic. My advisor showed me how a properly structured indexed universal life (IUL) policy fits into a long-term wealth plan. Game-changer."
– Edwin N., Corporate Attorney

← Back to Home | Explore Executive Bonus Plans

Life Protection | Retirement Planning | Asset Optimization Strategies

Real Client Results | Chando Global Group Testimonials

Real Clients. Real Impact.


See how physicians, entrepreneurs, and families are transforming their financial futures through strategic planning with Chando Global Group.

💬 What Our Clients Are Saying

Read firsthand how our strategies have helped people secure their financial futures, reduce taxes, and retire with confidence.

I turned an old 401(k) into a legacy engine. Thanks to Chando Global Group, I now have a Fixed Indexed Annuity and IUL that give me peace of mind, upside potential, and over $1,600/month tax-free for retirement. As a single mom and nurse, that's everything.

— Jennifer Y., Nurse

⭐⭐⭐⭐⭐

"Working with Chando Global Group was a game-changer. As a business owner on payroll, I used an IRC 162 Executive Bonus Strategy to contribute $100K/year pre-tax — and create nearly $2.1M in projected tax-free retirement income. Not only did I lower my corporate tax bill, but I also protected my legacy. This is how wealth is structured."

— Phil N., Tech Founder

⭐⭐⭐⭐⭐

"I thought life insurance was just for death benefits. Now, my IUL is projected to grow to $1.4M+ by retirement — all tax-free and accessible. This team gave me clarity, strategy, and long-term control."

— Gwen T., Small Business Owner

⭐⭐⭐⭐⭐

🚀 Start Your Tax-Free Wealth Strategy Call

Build. Protect. Transfer — With Confidence.

Smart Insurance Strategies for Bold Futures.

📍 Based in Charlotte, North Carolina | Serving Clients Nationwide
📞 +1 704-247-7387 |📧 [email protected]

Trusted by Top-Tier Insurance Carriers

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Life Protection | Retirement Planning | Asset Optimization Strategies

Protecting the Business. Preserving the Legacy.

How Life Insurance Transforms a Buy-Sell Agreement

Business Partners Shaking Hands

Imagine two business partners — Betsy and Wei — who’ve built a thriving firm together over 12 years. Their families depend on it. Their employees trust it. But what happens if one of them dies unexpectedly?

Without a plan, the business could fall into turmoil: grieving families becoming unwanted partners, strained cash flow, or even business failure. That’s where a Buy-Sell Agreement funded by cash value life insurance becomes invaluable.

Betsy and Wei each take out a policy on the other, with the business as the beneficiary. If one passes, the life insurance provides instant liquidity — allowing the surviving partner to buy out the deceased’s share while keeping the business stable and intact.

  • ✅ Immediate Liquidity: No loans, no asset sales — funds are available when they’re needed most.
  • ✅ Fair Value Transfer: Families receive a payout, not partial ownership.
  • ✅ Continuity & Control: The business remains fully operational under the surviving partner.
  • ✅ Cash Value Access: Policies may build cash value usable during life.

In the end, it’s about more than protection — it’s about honoring what you’ve built. A life-insurance-funded Buy-Sell Agreement ensures your business lives on, your family is secure, and your legacy endures.

"We never imagined we’d need it so soon, but having a buy-sell agreement funded with life insurance saved our business — and gave my partner's family financial peace at a time when they needed it most."

— Danita K., Business Owner

Life Protection | Retirement Planning | Asset Optimization Strategies

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Key Person Life Insurance: How to Protect Your Business from the Unexpected

Diverse business partners shaking hands

When the Unexpected Happens

How One Business Survived Thanks to Key Person Life Insurance

When Luke and Lakeisha launched their boutique software firm a decade ago, they knew each other's strengths like the backs of their hands. Luke was the visionary — the rainmaker. Lakeisha, the technical brain behind the operation, built the firm's signature platform from the ground up.

Together, they created something special: a company that grew from a two-person idea to a 40-employee operation, serving clients nationwide. But what they didn't anticipate — what most business owners never plan for — was how quickly everything could change.

The Unthinkable

At just 46 years old, Lakeisha passed away suddenly following a brief illness. It wasn't just a personal tragedy. For the business, it was a seismic blow.

She held the intellectual architecture of the company. Clients called her when problems needed solving. Investors trusted her insights. And without her, the company's future hung in the balance.

The Safety Net They Had the Foresight to Build

Thankfully, years earlier, Luke and Lakeisha had worked with a financial consultant who helped them secure Key Person Life Insurance on each other.

When Lakeisha passed, the policy paid out a tax-free lump sum to the business — enough to:

  • ✅ Cover the immediate loss of revenue from paused projects
  • ✅ Hire an experienced interim CTO to stabilize operations
  • ✅ Provide financial reassurance to clients, staff, and investors
  • ✅ Give Luke and the board breathing room to plan without panic

The Outcome

Today, the company is still thriving. They renamed one of their core products in Lakeisha's honor. And every time Luke shares their story, he ends with this truth:

"That policy saved our company. It gave us a fighting chance when everything could've collapsed. Without it, I honestly don't know if we'd still be here."

Key Person Life Insurance isn't about expecting tragedy — it's about preparing for the possibility. For companies that rely on one or two key individuals, it may be the most important protection you ever put in place.

"We always thought our growth was our greatest strength. But in hindsight, having a key person policy in place was the smartest move we made. It gave us time to regroup — and time is everything in business."

— Evelyn R., Co-Founder, An Analytics Company

→ Back to Home | → Explore Business Owner Wealth Transfer | → Explore Tax-Advantaged Retirement Income Design

Life Protection | Retirement Planning | Asset Optimization Strategies

Supplemental Retirement Income Policies (SRIPs) for Business Owners | Tax-Free Wealth Strategies

Supplemental Retirement Income Policies (SRIPs) for Business Owners | Tax-Free Wealth Strategies

You built your business with vision and hard work. Now, create a retirement strategy that protects your success, grows your wealth, and provides tax-free income through a Supplemental Retirement Income Policy (SRIP).

Why Traditional Retirement Plans May Limit Business Owners

401(k)s and IRAs are built for employees — not entrepreneurs. They cap contributions, restrict access to funds, and leave you vulnerable to future tax increases. As a business owner, you deserve a solution built for your ambitions.

What Is a Supplemental Retirement Income Policy (SRIP)?

An SRIP is a tax-advantaged strategy using permanent life insurance to build wealth beyond traditional limits. It empowers business owners to enjoy tax-deferred growth, tax-free income in retirement, and a built-in financial legacy for family or key partners.

5 Key Advantages for Business Owners

  • 1. Unlimited Contribution Potential: Invest significant capital without IRS restrictions, scaling your strategy as your business grows.
  • 2. Tax-Free Retirement Withdrawals: Supplement future income with tax-free policy loans, preserving more of what you've earned.
  • 3. Asset Protection Benefits: In many cases, SRIP cash values are protected from business creditors or lawsuits.
  • 4. Flexible Liquidity: Access funds without government penalties, mandatory distributions, or age-based restrictions.
  • 5. Built-In Succession Planning: Protect your family, business partners, or employees with a tax-free death benefit if the unexpected happens.

How SRIPs Build Business Owner Wealth

🔵 3 Simple Steps to Tax-Free Retirement with SRIP

1⃣ Capitalize Contributions

Invest in your future beyond traditional plan limits.

⬇️

2⃣ Accelerate Tax-Deferred Growth

Watch your retirement asset grow uninterrupted by taxes year after year.

⬇️

3⃣ Unlock Tax-Free Retirement Income

Enjoy flexible, tax-free access to your wealth in retirement — on your terms.

Is an SRIP the Right Fit for Your Business?

SRIPs are ideal for:

  • Business owners, entrepreneurs, and high-income earners
  • Individuals seeking asset protection and liquidity
  • Those planning succession or legacy strategies
  • Anyone aiming to avoid future tax uncertainty

Real Business Owners. Real Results.

"Integrating an SRIP into our business strategy allowed us to protect key assets, access tax-free capital, and prepare for a smooth succession plan. It's one of the smartest moves we've made."

— Castro N., Co-Founder, Regional Law Firm

Top Questions Business Owners Ask About SRIPs

➤ How much can I contribute to an SRIP?

Unlike traditional plans, SRIPs have no IRS-imposed limits. You can design your contribution level to match your business cash flow and retirement goals.

➤ Can I access my money if I need it before retirement?

Yes. You can access your policy’s cash value through policy loans — without early withdrawal penalties or strict IRS rules.

➤ Is the income truly tax-free?

Yes. Structured properly, distributions through policy loans are tax-free under current IRS rules, providing predictable, after-tax retirement income.

➤ How does an SRIP protect my business and family?

SRIPs provide living benefits during your lifetime and a tax-free death benefit that can protect your family, fund succession plans, or shield your business partners.

➤ How quickly can I implement an SRIP strategy?

After a short consultation and underwriting process, your SRIP can typically be activated within 4–8 weeks, depending on policy design.

Protect Your Success. Build Your Future.

Why Book a Strategy Call?

  • ✅ Personalized Plan for Your Business and Goals
  • ✅ Clear, Data-Driven Financial Strategies
  • ✅ Zero-Pressure Conversation Focused on Your Success

Life Protection | Retirement Planning | Asset Optimization Strategies

Invest in Your Child’s Future with Indexed Universal Life (IUL) | Chando Global Group (function (c, s, q, u, a, r, e) { c.hj=c.hj||function(){(c.hj.q=c.hj.q||[]).push(arguments)}; c._hjSettings = { hjid: a }; r = s.getElementsByTagName('head')[0]; e = s.createElement('script'); e.async = true; e.src = q + c._hjSettings.hjid + u; r.appendChild(e); })(window, document, 'https://static.hj.contentsquare.net/c/csq-', '.js', 6393104); { "@context": "https://schema.org", "@type": "FinancialService", "name": "Chando Global Group", "url": "https://www.cggrp.com", "logo": "https://www.cggrp.com/images/logo.png", "image": "https://www.cggrp.com/images/iul-child-future.jpg", "description": "Chando Global Group specializes in providing Indexed Universal Life (IUL) insurance solutions to help families secure their children's financial futures.", "telephone": "+1-XXX-XXX-XXXX", "areaServed": "US", "address": { "@type": "PostalAddress", "streetAddress": "123 Main Street", "addressLocality": "Charlotte", "addressRegion": "NC", "postalCode": "28202", "addressCountry": "US" }, "founder": { "@type": "Person", "name": "Michael Chando" } } { "@context": "https://schema.org", "@type": "Product", "name": "Child's Future IUL Strategy", "image": "https://www.cggrp.com/images/iul-child-future.jpg", "description": "An Indexed Universal Life (IUL) insurance strategy designed to provide tax-advantaged growth and financial flexibility for your child's future needs.", "brand": { "@type": "Organization", "name": "Chando Global Group" }, "review": { "@type": "Review", "reviewRating": { "@type": "Rating", "ratingValue": "5", "bestRating": "5" }, "author": { "@type": "Person", "name": "David G." }, "reviewBody": "Purchasing an IUL policy for my daughter at age six was the best financial decision I've made. It offers growth, protection, and flexibility for her future." }, "offers": { "@type": "Offer", "url": "https://www.cggrp.com/#kids-future", "price": "0.00", "priceCurrency": "USD", "availability": "https://schema.org/InStock" } }

Your Child's Future Deserves More Than a 529 Plan

Secure future with IUL

College costs are projected to exceed $300,000 per child by 2040. Most savings plans won’t keep up. Market risks, taxes, and spending restrictions make traditional options feel like walking a tightrope.

A Cash Value IUL gives your child not just a savings vehicle—but a financial ecosystem. It’s flexible. It’s tax-advantaged. It grows safely, even when markets fall.

💡 Why Parents Choose IUL Over 529s

  • ✅ Tax-Free Growth: No annual taxes or capital gains. Just compound growth, uninterrupted.
  • ✅ No Use Restrictions: Not just for college. Use it for trade school, a startup, first home—or leave it to grow.
  • ✅ Market Downturn Protection: Indexed growth with a 0% floor. Never lose money due to market drops.
  • ✅ Withdraw Any Time: No age or penalty restrictions. Take out funds when needed.
  • ✅ Built-in Life Insurance: Protect their legacy with a tax-free death benefit.
"I opened an IUL for my daughter when she was eighteen months . By the time she turns 18, it will have over $140,000 in cash value—available for college, a home, or anything else. Unlike a 529, I control how it’s used. And if anything happens to me, she’s covered. IUL is the smartest move I’ve made as a parent."
— David G., Father of 3, Charlotte, NC

🧠 Don’t just save— structure . Help your child avoid debt, taxes, and volatility. You’re not just saving for school—you’re planting a financial tree that bears fruit for a lifetime.".

Life Protection | Retirement Planning | Asset Optimization Strategies

Use FIA 10% Withdrawal to Fund Life Insurance | Legacy Planning (function (c, s, q, u, a, r, e) { c.hj=c.hj||function(){(c.hj.q=c.hj.q||[]).push(arguments)}; c._hjSettings = { hjid: a }; r = s.getElementsByTagName('head')[0]; e = s.createElement('script'); e.async = true; e.src = q + c._hjSettings.hjid + u; r.appendChild(e); })(window, document, 'https://static.hj.contentsquare.net/c/csq-', '.js', 6393104);

Turn One Smart Move into a Lifetime of Financial Confidence


Tap into your annuity’s 10% free withdrawal and unlock two powerful assets:
guaranteed income + tax-free wealth transfer.

💡 Multiply your retirement power — without increasing your risk or changing your lifestyle.


Up to 50%

Sign-On Bonus Potential

Up to 10%

Annual Penalty-Free Access

$10K+

Typical Rollover Amount


🏗️ Step 1: Begin with a Fixed Indexed Annuity

A Fixed Indexed Annuity (FIA) is a low-risk, retirement-focused product offering:

  • Market protection with upside potential
  • Tax-deferred growth
  • Annual 10% free withdrawal
  • Lifetime income options

This is the foundation of your legacy planning strategy—protecting capital while giving you liquidity.


💸 Step 2: Use Your 10% Free Withdrawal Strategically

Instead of cashing out or letting the funds sit idle, redirect the 10% penalty-free withdrawal into a Cash Value Life Insurance policy—such as an Indexed Universal Life (IUL).

💡 This move builds tax-advantaged wealth for future generations.


🌱 Step 3: Fund a Cash Value Life Insurance Policy

  • Tax-free death benefit
  • Living benefits for health events
  • Tax-free income via policy loans

This is the only asset that grows tax-deferred, protects your family, and provides living benefits.


🎯 Side-by-Side Legacy Strategy Comparison

BenefitFixed Indexed AnnuityCash Value Life Insurance
Principal protection✅✅
Tax-deferred growth✅✅
Tax-free legacy❌✅
Liquidity✅✅
Guaranteed income✅❌
Wealth leverage❌✅

🚀 Case Study: From Stagnant to Strategic

🟢 Year 0 – The Problem

Client has $522,000 sitting in an old 401(k), unmonitored and vulnerable to market dips.

🔄 Year 1 – The Rollover

Funds are rolled into a Fixed Indexed Annuity, instantly earning a 20% bonus (+$104,400).

📤 Year 1 – First Withdrawal

Client uses 10% penalty-free withdrawal (~$62,640) to begin funding a tax-advantaged IUL.

📈 Year 2 – Compound Results

Indexed annuity grows 7.8%, IUL cash value begins accumulating tax-free growth.

🏡 Year 5+ – Legacy Unlocked

Tax-free income from IUL, death benefit secured, and annuity continues producing guaranteed income for life.

🗣️ What Clients Are Saying

"I always thought retirement planning was just about investments, but this strategy opened my eyes. I now have guaranteed growth, tax-free income on the way, and protection for my family — without worrying about the market crashing again. I only wish I had done this sooner." — Angelique B., Raleigh, NC


⚖️ Is This Right for You?

  • Pre-retirees with rollover funds
  • Professionals seeking asset diversification
  • Investors wanting tax-free retirement income
→ Learn more about Fixed Indexed Annuity (FIA) const links = document.querySelectorAll("a"); links.forEach(link => { const span = link.querySelector("span"); if (span) { link.addEventListener("mouseenter", () => span.style.width = "100%"); link.addEventListener("mouseleave", () => span.style.width = "0"); } });


📌 Final Thought

Why settle for a single solution—when you can engineer a financial ecosystem?
This isn’t just about growing money. It’s about protecting your future, providing for your loved ones, and building a strategy that survives markets and lasts generations.


You've done the heavy lifting. Let your assets take it from here.

→ Back to Home | → Explore Business Owner Wealth Transfer

📞 Book a free legacy planning strategy call

Let’s design your financial future—starting today.

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Life Protection | Retirement Planning | Asset Optimization Strategies

Build Tax-Free Wealth in Your Mid-Twenties | Chando Global Group (function (c, s, q, u, a, r, e) { c.hj=c.hj||function(){(c.hj.q=c.hj.q||[]).push(arguments)}; c._hjSettings = { hjid: a }; r = s.getElementsByTagName('head')[0]; e = s.createElement('script'); e.async = true; e.src = q + c._hjSettings.hjid + u; r.appendChild(e); })(window, document, 'https://static.hj.contentsquare.net/c/csq-', '.js', 6393104); { "@context": "https://schema.org", "@type": "FinancialService", "name": "Chando Global Group", "url": "https://www.cggrp.com", "logo": "https://www.cggrp.com/images/logo.png", "image": "https://www.cggrp.com/images/iul-tax-free-growth.jpg", "description": "Chando Global Group helps clients build tax-advantaged retirement plans using Indexed Universal Life (IUL) insurance and annuity-based strategies tailored for high-income professionals and business owners.", "telephone": "+1-XXX-XXX-XXXX", "areaServed": "US", "address": { "@type": "PostalAddress", "streetAddress": "123 Main Street", "addressLocality": "Charlotte", "addressRegion": "NC", "postalCode": "28202", "addressCountry": "US" }, "founder": { "@type": "Person", "name": "Michael Chando" } } { "@context": "https://schema.org", "@type": "Product", "name": "Mid-Twenties IUL Strategy", "image": "https://www.cggrp.com/images/iul-tax-free-growth.jpg", "description": "A structured Indexed Universal Life (IUL) strategy designed for young professionals to build tax-free retirement wealth, legacy protection, and liquidity—starting in their mid-twenties.", "brand": { "@type": "Organization", "name": "Chando Global Group" }, "review": { "@type": "Review", "reviewRating": { "@type": "Rating", "ratingValue": "5", "bestRating": "5" }, "author": { "@type": "Person", "name": "Therry-Susie N." }, "reviewBody": "Starting my IUL at 25 was the smartest thing I did. It’s now my emergency fund, my retirement strategy, and my backup business fund — all in one." }, "offers": { "@type": "Offer", "url": "https://www.cggrp.com/#mid-20s-iul", "price": "0.00", "priceCurrency": "USD", "availability": "https://schema.org/InStock" } }

💸 What Most People in Their Mid-Twenties Get Wrong About Wealth

You’re not too young to start building tax-free wealth. In fact, you’re in the prime position to do it smarter than 95% of people.

🧠 What’s an IUL?


An Indexed Universal Life (IUL) policy is permanent life insurance that also builds cash value—tied to a stock market index like the S&P 500, but without market losses .

  • ✅ Earn tax-deferred interest, protected from market crashes
  • ✅ Access cash anytime, tax-free
  • ✅ No IRS contribution limits or income caps
  • ✅ Includes a growing death benefit

⏳ Why Mid-Twenties Is the Golden Window


Compound growth favors the bold — and the young. Starting early with meaningful premiums creates financial outcomes that most people only dream of.

  • 💸 $1,500/month at 25 → $2.1M+ tax-free by age 55
  • 🏛 Withdrawal or borrow $200K+/year tax-free with no strings attached.
  • 📊 Potential $120,000+/year tax-free income for life — starting as early as age 55
  • 🛡️ $2M+ death benefit to protect your future family or business

Waiting just 10 years could slash your outcome in half — even if you double your contributions later. Time is the true multiplier.

🚨 What Most People in Their 20s Miss


  • ❌ They think they’re too young — but premiums are lowest now, and growth potential is highest
  • ❌ They chase high returns — but ignore volatility, taxation, and lack of liquidity
  • ❌ They prioritize returns — not protection or control
  • ❌ They delay planning — which means giving up hundreds of thousands in future value
  • ❌ They overlook the impact of taxes, volatility, and fees

Meanwhile, the wealthy start with structure. You don't need to be rich to think like the rich.


🧠 Financial freedom doesn’t come from the best stock pick. It comes from structure, time, and tax advantage.

⏳ The wealthy don't just invest. They structure.

  • 💼 85% of Fortune 500 CEOs own permanent life insurance
  • 🏦 Over 3,000 U.S. banks hold billions in cash value life insurance as Tier 1 capital
  • ️🏛️ The IRS Tax Code (IRC §7702) specifically recognizes the tax advantages of these policies


This isn’t fringe. It’s financial architecture. Quietly used by the elite to protect, grow, and transfer wealth.

📊 IUL vs. Roth IRA vs. 401(k)

FeatureIULRoth IRA401(k)
Tax-Free Growth✅✅❌
Tax-Free Withdrawals✅(structured loans)✅❌
No Market Losses✅❌❌
Contribution LimitsNone($7K/year in 2025)(($23.5K/year in 2025))
Access Before 59½✅No penalty❌ Penalties apply❌ Penalties apply
Includes Death Benefit✅❌❌

✅ Bottom Line: Start Where the Wealthy Start

If you're in your mid-twenties, an IUL isn’t just life insurance. It’s:

  • 📘 A retirement blueprint
  • 🏦 A self-financing bank
  • 💸 A tax-free investment wrapper
  • 🏛️ A legacy tool

And the sooner you start, the bigger the reward.

"By 50, your friends will be asking how you created so much freedom without the stress of taxes, losses, or limits."

💬 What Others Are Saying

"IUL: Protection While You Live. Legacy When You Don’t." Starting my IUL at 25 was the smartest thing I did. It’s now my emergency fund, retirement strategy, backup business fund, living benefits and death protection - all in one."

— Therry-Susie N., 26, Raleigh, NC

← Back to Home | Explore Estate & Legacy Planning

Let’s Build the Numbers Around You

We’ll show you how an IUL works based on your current age, income, and goals — and how much tax-free income you could unlock. Free illustration. No obligation.


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📞 Book a free strategy call

Let’s design your financial future—starting today.

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Life Protection | Retirement Planning | Asset Optimization Strategies

Client Information

📂 Personal Information
📂 Employment Information
📂 Doctor's Information
📂 Criminal Background
📂 Bank Information
📂 Underwriting Questions
📂 Beneficiaries

Add up to 4 beneficiaries. Include relationship, DOB, phone number, and allocation percentage.

📂 Life Insurance Details

Life Protection | Retirement Planning | Asset Optimization Strategies

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Add up to 4 beneficiaries.




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Life Protection | Retirement Planning | Asset Optimization Strategies

Meet Our Team | Chando Global Group
Mike Chando Headshot

👋 Meet Mike Chando, MBA

Business Solutions Architect | Financial Strategist

Mike Chando is the founder of Chando Global Group, a Charlotte-based financial services firm. With a foundation built inside the walls of Bank of America, Citi, and Wells Fargo, Mike brings a rare blend of institutional insight and entrepreneurial agility to every client engagement. This depth of experience allows him to bridge the worlds of banking, insurance, and tax strategy - delivering solutions that are technically sound and strategically aligned.


As an Aresty Scholar of The Wharton School - University of Pennsylvania Aresty Institute of Executive Education -, Mike combines elite executive training with real-world experience to design high-impact financial architectures - without the Wall Street noise.

Areas of Expertise

✅ Business Owner Wealth Transfer
✅ Legacy Wealth Structuring Across Generations
✅ Strategic Income Flow & Distribution Planning
✅ Advanced Life Insurance Financial Assets

🌱 More Than Numbers

Mike is a proud husband, father of three, and outdoor enthusiast who believes financial strategy should serve both legacy and lifestyle.

📩 Connect with Mike

Let’s design your financial future—starting today.

Alain Fotso Headshot

👋 Meet Alain Fotso, MBA

Financial Strategist | Business Solutions Architect

Alain Fotso is a seasoned financial strategist with deep experience in helping business owners and high-income professionals build, protect, and transfer wealth through customized, tax-advantaged insurance strategies. His approach blends analytical rigor with highly personalized service to ensure every financial decision aligns with both lifestyle and legacy goals.

Areas of Expertise

✅ Tax-Advantaged Retirement Income Design
✅ Multi-Generational Wealth
✅ Business Owner Wealth Transfer
✅ College Planning Strategies

🌱 More Than Numbers

Based in Brentwood, California, Alain, alongside his wife and business partner, Rosemond, continue to build a financial legacy for their five children while helping other families plan for their own future generations.

He is a passionate fan of basketball and soccer.He believes that true financial strategy should empower you to live fully - while protecting what matters most.

📩 Connect with Alain

Discover how smart planning can change your financial story.

Dr. Gisele Chando Headshot

👋 Meet Dr. Gisele Chando

Financial and Holistic Strategist | Wellness-Driven Wealth Advocate

Dr. Gisele Chando brings a unique, heart-centered approach to financial services - rooted in a lifelong mission to empower others. A former board-certified Sports Chiropractic Physician, Acupuncturist, and Nutritionist, Gisele transitioned into the financial world with the same passion she applied to healing: a commitment to uplift her community, build resilience, and inspire holistic transformation.

She specializes in designing personalized strategies that protect families, create tax-free income, and build generational wealth. Her background in health and wellness makes her particularly attuned to the connection between financial freedom and overall well-being.

Areas of Expertise

✅ Income Optimization for Retirement & Liquidity
✅ Intergenerational Estate & Legacy Planning
✅ Wealth Preservation & Tax-Free Income Strategies
✅ Advanced Life Insurance Strategies (IUL & Beyond)

🌱 More Than Numbers

Based in Charlotte, NC, Gisele is a devoted wife and mother of three. She is a fitness enthusiast, spiritual seeker, and lover of holistic living. When she's not working, you’ll find her reading, traveling, or exploring new exotic food recipes.

📩 Connect with Gisele

Let’s align your health, wealth, and legacy—starting today.

Srikanth Bhonagiri Headshot

👋 Meet Srikanth Bhonagiri

Financial Strategist | Retirement Architect

Srikanth Bhonagiri is a mission-driven financial strategist at Chando Global Group. He helps clients preserve wealth, optimize taxes, and retire confidently through personalized, education-focused planning.

Areas of Expertise

✅ Tax-Free Income Engineering & Wealth Optimization
✅ Legacy Preservation & Intergenerational Wealth Transfer
✅ Retirement Liquidity Design & Cash Flow Coordination
✅ Advanced Life Insurance Strategies (IUL & Beyond)

🌱 More Than Numbers

A husband and proud father of two daughters, Srikanth balances his professional dedication with personal passions - gardening, traveling, and cheering on cricket matches. His warmth and purpose-driven approach make him a trusted ally in every financial journey.

📩 Connect with Srikanth

Shift your strategy. Change your legacy.

Life Protection | Retirement Planning | Asset Optimization Strategies

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Build a Legacy That Lives Beyond You

Estate & Legacy Planning with Advanced Life Insurance Financial Asset

Why Most Estate Plans Fall Short

Most families lose 30–40% of generational wealth due to taxes and probate. A structured life insurance plan can help you:

  • ✅ Enable tax-free legacy transfer
  • ✅ Access liquidity during life
  • ✅ Avoid probate delays
  • ✅ Gain creditor protection

🏦 $68B+ lost annually to probate and legal fees

📉 70% of wealth is lost by the second generation

🔒 95% of the ultra-wealthy use insurance in legacy planning

Who This Strategy Is For

Tailored for high-earning professionals and families who value control, tax efficiency, and generational impact.

  • 👨⚕️ Physicians & Professionals
  • 🏢 Business Owners
  • 🧓 Retirees
  • 🏘️ Real Estate Investors

Not Just Insurance—An Asset

Traditional Insurance

  • - Pays out at death only
  • - No liquidity access
  • - Taxable exposure
  • - Mandated Required Minimum Distributions (RMDs) from age 73+

Strategic Insurance

  • + Grows tax-deferred
  • + Withdraw tax-free
  • + Immediate family liquidity
  • + No Required Minimum Distributions (RMDs)

Visual Proof: Indexed Strategies vs. Market Volatility

Compare the consistency and downside protection of an IUL strategy versus the unpredictable swings of traditional retirement plans.

Comparison chart of IUL vs 401(k) showing tax-free growth and legacy benefits

Source: Internal modeling based on historical index crediting and tax-advantaged withdrawal strategies. IUL has a cap rate of 25%.

4-Step Planning Process

  1. Discovery: Define goals and vision
  2. Design: Craft a custom solution
  3. Deploy: Fund efficiently
  4. Distribute: Transfer with confidence

Client Testimonials

"As a physician, I’ve spent my life mastering complex systems. But when it came to personal finance, the solutions always felt fragmented... it was a high-performance financial engine.
— Dr. Chris B., Pulmonologist"
"I wanted control, liquidity, and peace of mind. This gave me all three.
— Vincent N., Aeronautical Engineer"
"This strategy gave my family both protection and a future roadmap. It’s changed how we think about wealth entirely.
— Laura G., Business Owner"

FAQs

What is cash value life insurance?

A permanent life insurance policy that builds savings tax-deferred while providing a death benefit.

Can I use the funds while I’m alive?

Yes, through tax-free loans and withdrawals, for retirement or emergency use.

Will it bypass probate?

Yes. Insurance proceeds go directly to named beneficiaries—fast and tax-efficient.

Ready to Build Your Legacy?

This strategy session will offer a guided path for families who seek clarity, lasting growth, and a purposeful legacy transfer.

📞 Claim Your Free Legacy Strategy Call
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Life Protection | Retirement Planning | Asset Optimization Strategies

Life Protection | Retirement Planning | Asset Optimization Strategies

Unlock Tax-Free Income with the Augusta Rule | Chando Global Group

💼 The Augusta Rule: Turn Your Home Into Tax-Free Income

Did you know? The IRS allows you to rent out your personal residence to your business for up to 14 days per year - and pocket the income completely tax-free.

This powerful strategy is known as the Augusta Rule (IRC §280A(g)), originally created to benefit homeowners in Augusta, GA who rented their homes to attendees of the Masters Golf Tournament. Today, it’s used by savvy business owners across the country.

📊 How Much Can You Earn?

Here’s an example: If your home’s fair market rental rate is $1,500/day and you rent it to your business for 14 days during the year - for legitimate business purposes - that’s $21,000 in tax-free income.

Augusta Rule Chart

Note: Your business gets to deduct the rent as a legitimate expense - while you, the homeowner, don’t report it as income (as long as it’s under 15 days).

🧠 Requirements for Compliance

  • → Written rental agreement or invoice between the business and the homeowner
  • → Fair market rental valuation with documentation
  • → Payment from the business to the homeowner’s personal account
  • → Proof of business use (e.g., meeting agenda, minutes, calendar log)
  • → No 1099 issued and income not reported on your personal tax return

🎯 Why It Matters

This is one of the few strategies that lets you legally extract money from your business and keep it completely off your personal tax return. For high-income professionals and small business owners, it’s a rare and elegant tax planning tool.

💡 Pro Tip: Use your home for quarterly strategy sessions, team offsites, or executive retreats to qualify.

📥 Want Help Setting It Up?

At Chando Global Group, we guide business owners through the Augusta Rule - from proper documentation to compliance - ensuring it’s done right, the first time.

→ Back to Home | → Explore Intelligent Estate Planning | → Explore Tax-Free Wealth Transfer

Turn Your Home Into a Strategic Business Asset

The Augusta Rule is more than a tax strategy - it’s a smart, IRS-approved way to extract value from your home without triggering income tax.

Whether you're hosting board meetings, retreats, or planning sessions, Chando Global Group will help you implement this rule the right way - with clear documentation, compliance, and confidence.

🗓️ Schedule a Complimentary Strategy Call

📍 Proudly advising high-income professionals and business owners nationwide.

© 2025 Chando Global Group. All Rights Reserved.

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