Our Core Services

Chando Global Group financial advisor meeting with clients to design wealth, insurance, and estate planning strategies

Why Clients Choose Chando Global Group

When it comes to your wealth, protection, and legacy, trust and clarity matter. That’s why families, business owners, and high-income professionals turn to Chando Global Group — not just for advice, but for a clear, actionable plan.

Our approach blends personal care with professional precision so you can make confident, well-informed decisions about life insurance, IUL strategies, annuities, and long-term estate and legacy planning.

✅ Independent & Carrier-Agnostic Guidance 🧾 Protection, Retirement & Legacy Strategies 🕊️ Education-First, No-Pressure Conversations
  • 🧭 We Keep It Simple: We translate complex life insurance, IUL, annuity, and tax-efficient strategies into clear, step-by-step decisions — 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 — and we design around that.
  • 📊 We Customize: No cookie-cutter plans. Every solution is crafted to match your income, risk comfort, time horizon, and estate-planning goals.
  • 🕊️ We’re Transparent: Our guidance is education-driven and conflict-aware. We’re compensated by the carriers we work with, so you never pay a planning fee for our insurance-based recommendations.
  • ⏱️ We’re Responsive: Need a second opinion or a quick explanation? We’re accessible — by phone, Zoom, or email — with prompt answers and real follow-through.

💡 Our promise: no pressure, no jargon — just honest, professional guidance that helps you protect what you’ve built and grow what’s possible.

Whether you’re exploring an Indexed Universal Life (IUL) strategy, long-term care protection, or a more tax-efficient way to pass wealth to the next generation, we’ll walk you through the numbers so you can see if it truly fits.

📞 Book Your Free Strategy Call

15–20 minutes. No obligation — just clarity and next steps.

Chando Global Group
Wealth • Legacy • Purpose

Serving families and professionals nationwide from Charlotte, NC

📞 (704) 763-4240   |   ✉️ [email protected]

BBB Accredited Business – Chando Global Group

We specialize in protection-first wealth design — coordinating tax-efficient strategies like IUL, annuities, education funding, and estate planning to build multi-generational impact.

This material is for educational purposes only and not tax, legal, or investment advice. Consult your CPA, tax advisor, and attorney before implementing any strategy.

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

🔥 Future-Proof Your Finances: The IUL Advantage for High-Achievers Under 40

Key Person Insurance Strategies for Business Protection | Case Study

Life Insurance As A Financial Asset

El seguro de vida como activo financiero

Supplemental Retirement for Business Owners

Investing in Your Child’s Financial Future

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

🔥 Elevate Your Financial Future: A Smarter Approach to Wealth in Your 40s

Turn Your Home Into Tax-Free Income

🔥 When the Final Whistle Blows, Your Wealth Should Keep Scoring

Long-Term Care Protection: The Estate Shield Every Wealth Plan Needs.

💼 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

IUL Illustration Intake Form

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

G8Tech Inc 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

→ Back to Home | → Protect the People Who Power Your Business | → Explore Tax-Advantaged Retirement Income Design


🎯 Start Your Bonus Plan Strategy

Now Hiring Nationwide

Transform Lives — Starting With Your Own

At Chando Global Group, we don’t just offer careers — we offer calling. Join a high-integrity team that's reshaping the financial future for families and building lasting legacies.

Why High Performers Choose Chando Global Group

  • No Experience? No Problem. We train you from scratch.
  • Flexibility — work part-time or full-time, on your terms.
  • Mentorship from elite leaders who’ve built real businesses.
  • Uncapped Income through performance-based compensation.
  • Culture-First — inclusive, mission-driven, values-aligned.
  • Real Impact — serve families, build legacy, live fulfilled.
Fast-Track Promotions
Licensing Support & Compliance Guidance
Growth-Oriented Culture

🎁 Free Download: 6-Figure Career Starter Guide

Discover how to launch a purpose-driven, lucrative career in financial services — even if you're starting from scratch.

📥 Download the Guide

What Our Agents Are Saying

"I never imagined I'd be earning more in my first year than I did in my last two jobs combined. The mentorship, tools, and mission at Chando Global Group are second to none."
— Kizito K., Dallas, TX
"Coming from a completely different industry, I was nervous. But this team believed in me, trained me, and now I’m thriving with clients I love helping."
— Samdrine P., Charlotte, NC
"The flexibility and income potential are real. I can work from anywhere, be present for my family, and still grow professionally."
— Monalisa N., Atlanta, GA
"I joined with zero experience and now lead a small team. This opportunity changed the trajectory of my life."
— Miguel R., Phoenix, AZ
Yes, I’m Ready to Grow
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

Real Client Results | Chando Global Group Testimonials

💬 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

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

Key Person Life Insurance | Business Continuity Strategies { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What is Key Person Life Insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Key Person Life Insurance protects businesses financially if a crucial individual, such as a founder or executive, unexpectedly passes away. The policy pays a tax-free benefit to the business, helping to stabilize operations during a crisis." } }, { "@type": "Question", "name": "Why is Key Person Insurance important for business owners?", "acceptedAnswer": { "@type": "Answer", "text": "Businesses often rely on key individuals for vision, technical skills, or client relationships. Key Person Insurance ensures the business has resources to recover, hire interim leadership, reassure stakeholders, and protect its future if a critical person is lost." } }, { "@type": "Question", "name": "How does a Key Person Life Insurance policy benefit the company?", "acceptedAnswer": { "@type": "Answer", "text": "If a covered individual dies, the company receives a tax-free lump sum. This payout can be used to offset lost revenue, cover hiring costs, pay debts, maintain operations, and fund a business succession plan." } }, { "@type": "Question", "name": "Is the payout from Key Person Insurance taxable?", "acceptedAnswer": { "@type": "Answer", "text": "In most cases, Key Person Life Insurance payouts to the business are received tax-free, providing immediate liquidity when the business needs it most." } } ] } { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.cggrp.com" }, { "@type": "ListItem", "position": 2, "name": "Key Person Life Insurance", "item": "https://www.cggrp.com/#key-person" } ] } { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.cggrp.com" }, { "@type": "ListItem", "position": 2, "name": "Key Person Life Insurance", "item": "https://www.cggrp.com/#key-person" } ] }

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

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
Future-Focused Parents • Kids’ Wealth Blueprint

Give Your Child a College Fund and a Lifetime Wealth Engine

Traditional 529 College Plans were built for yesterday’s tuition problem. Your child is stepping into a world of inflation, unpredictable markets, and careers that don’t always follow a straight line. A modern parent needs something more flexible, more protective, and more powerful than a single-purpose college account.


The most intentional parents do not simply plan for their child to move out. They architect an indexed universal life (IUL) wealth engine that empowers their child to move out, level up, and ultimately elevate the next generation without ever starting from zero. An IUL strategy offers:


  • ✅Tax-advantaged growth they can access for college, a first home, business capital, or even retirement — not just tuition.
  • 🛡️Built-in protection so that if life happens to you, your child still gets a funded future.
  • 📈Growth strategies designed to participate in market upside with protection on the downside.

The Silent Threat to Your Child’s Future

The average cost of college has more than doubled in a generation — and that’s just tuition.Layer on rent, food, travel, and the opportunity cost of four years out of the workforce, and you quickly realize:

The real risk isn’t "How do we pay for freshman year?" It’s "How do we make sure our child doesn’t graduate already behind?"

  • ⚠️Student debt can delay home ownership, marriage, and starting a business by 5–10+ years.
  • ⏳Every year you wait to start, you lose the quiet power of long-term compounding.
  • 💸Most savings plans protect one moment (college) but don’t protect the next 60–70 years.

You’re not just saving for a four-year degree. You’re architecting a launching pad for an entire life.

529 vs. Kids’ IUL – A Different Conversation

Why Many High-Income Families Are Looking Beyond the 529

529 plans can be a useful tool — but they were never designed to be a multi-purpose family wealth strategy. A properly designed Indexed Universal Life (IUL) plan for a child can add a powerful second gear.

Traditional 529
Great Intention, Narrow Use

Strong for tuition. Less flexible for everything else. Uses are limited, and non-qualified withdrawals may trigger taxes and penalties. No protection if something happens to the parent’s income.

Kids’ IUL Strategy
The Flexible “Family Bank” Concept

Designed to accumulate cash value on a tax-advantaged basis with downside protection. Funds can be accessed — under current tax rules if structured properly — for college, a home, a business, or even future retirement. And it includes life insurance protection from day one.

The goal isn’t to replace your 529 overnight. The goal is to ask a better question: “How do we give our child choices at 18, 28, 38, and 58?”

From “College Fund” to “Launch Fund”

“When we signed an IUL contract for our son, Cameron, we thought we were simply saving for tuition. Instead, we ended up giving our son a way to buy his first home without draining our retirement — and he still had money left in the instrument to seed his first business.” — Danita K, Brentwood, CA


Imagine your child at 22. No student debt. A pool of capital available in his IUL instrument to:

  • 🏡Help with a first home down payment.
  • 🚀Purchase his first car post college.
  • 🚀Launch a business or passion project.
  • 🌍Fund a gap year, advanced training, or global experience that changes their trajectory.

That’s the difference between a plan that just pays bills and a plan that builds options, dignity, and legacy.

Common Questions Smart Parents Ask

You should have questions. That’s what thoughtful, intentional parents do. Here are a few we walk through together:

What if my child doesn’t go to college?
That’s exactly where a kids’ IUL can shine. Instead of being “stuck” in a college-only bucket, the policy’s cash value (if properly funded and structured) can be accessed for other life priorities: trade school, launching a business, a home down payment, or future retirement.
Is this too complex or “too good to be true”?
The strategy requires thoughtful design, realistic expectations, and ongoing stewardship — not magic. We walk you through costs, trade-offs, and realistic projections so you can decide if it fits your values, cash flow, and long-term goals.
Can I keep my 529 Plan and still do this?
Absolutely. Many families keep an existing 529 for near-term tuition and use a kids’ IUL to build additional long-term options and protection. This isn’t an “either/or” conversation — it’s about designing a smarter “both/and” strategy.
When is the best time to start?
The earlier you start, the more time you give compound growth to work quietly in the background. Many parents begin when their child is a newborn or toddler, but it’s rarely “too late” to design a thoughtful plan.

We’ll walk through numbers, not hype, and help you compare the IUL strategy to what you’re already doing or plan to do.

Kids’ Future & Family Wealth Planning

We help intentional parents design multi-generational strategies that blend education planning, protection, and long-term wealth — including kids’ IUL “Family Bank” concepts, estate planning coordination, and tax-efficient funding strategies in collaboration with your existing advisors.

This material is for informational and educational purposes only. It is not tax, legal, or investment advice and does not account for the specific objectives or circumstances of any individual or household. Policy loans and withdrawals may reduce policy values and death benefits, may have tax consequences, and may cause the policy to lapse if not managed properly. Consult with your CPA, tax advisor, and attorney before implementing any strategy.

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.

{ "@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/legacy-strategy.jpg", "description": "Chando Global Group specializes in repositioning qualified retirement accounts into Fixed Indexed Annuities and leveraging free withdrawals to fund cash value life insurance for tax-free legacy planning.", "telephone": "+1-XXX-XXX-XXXX", "address": { "@type": "PostalAddress", "streetAddress": "123 Main St", "addressLocality": "Charlotte", "addressRegion": "NC", "postalCode": "28202", "addressCountry": "US" }, "areaServed": "US", "founder": { "@type": "Person", "name": "Michael Chando" }, "review": { "@type": "Review", "reviewRating": { "@type": "Rating", "ratingValue": "5", "bestRating": "5" }, "author": { "@type": "Person", "name": "Angelique B." }, "reviewBody": "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." } }
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" } }

💡 The Money Move Most 25-Year-Olds Miss (But the Wealthy Don’t)

You’re not early — you’re right on time. And this is how you build tax-free wealth before your 30s. In fact, you’re in the prime position to do it smarter than 95% of people.

🧠 IUL: Your Financial Cheat Code


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 Age 25–30 Is Your Ultimate Wealth 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.

🚨 Mistakes That Cost 20-Somethings Millions


  • ❌ 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✅❌❌

✅ Final Thought: Start Like the Wealthy Do

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."

💬 Real Talk from a 26-Year-Old

"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."

— Gary N., 26, Chicago, IL

← Back to Home | Explore Estate & Legacy Planning

Let’s Build the Numbers Around You — With Zero Pressure

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.


function updateLink() { const url = document.getElementById("advisorSelect").value; const btn = document.getElementById("calendlyLink"); btn.href = url || "#"; }
📞 Book a free strategy call

No pressure. Just strategy tailored to you. Let’s run the numbers together.

function updateLink() { const url = document.getElementById("advisorSelect").value; const btn = document.getElementById("calendlyLink"); if (url) { btn.href = url; btn.style.pointerEvents = "auto"; btn.style.opacity = "1"; } else { btn.href = "#"; btn.style.pointerEvents = "none"; btn.style.opacity = "0.5"; } } document.addEventListener("DOMContentLoaded", updateLink); document.getElementById("advisorSelect").addEventListener("change", updateLink); document.addEventListener("DOMContentLoaded", function () { var select = document.getElementById("advisorSelect"); var button = document.getElementById("calendlyLink"); function updateLink() { var selectedUrl = select.value; if (selectedUrl) { button.href = selectedUrl; button.style.pointerEvents = "auto"; button.style.opacity = "1"; } else { button.href = "#"; button.style.pointerEvents = "none"; button.style.opacity = "0.5"; } } select.addEventListener("change", updateLink); updateLink(); // Call once on load to set state });

Indexed Univeral Life (IUL):Client Information

📂 Personal Information

All fields are REQUIRED.


📂 Employment Information

All fields are REQUIRED.



📂 Doctor's Information

All fields are REQUIRED.

📂 Criminal Background

All fields are REQUIRED.

📂 Bank Information

All fields are REQUIRED.

📂 Underwriting Questions

All fields are REQUIRED. Put "N/A" if a question does not apply to you



📂 Beneficiaries

At least one (1) beneficiary is REQUIRED.









Rollover Information Sheet

All fields are REQUIRED.

Personal & Employment Info















All fields are REQUIRED.

Employment Info





All fields are REQUIRED.

Rollover & Assets Info

















At least one (1) beneficiary is REQUIRED.

Beneficiaries




const form = document.querySelector("form"); const submitBtn = document.getElementById("submit-btn"); form.addEventListener("submit", () => { submitBtn.disabled = true; submitBtn.textContent = "Submitting..."; });
Mike Chando Headshot

👋 Meet Mike Chando, MBA

Legacy & Wealth Architect | Executive Benefits Strategist | Risk & Tax-Efficiency Consultant

Mike Chando is the founder of Chando Global Group, a boutique wealth-strategy and insurance advisory firm headquartered in Charlotte, NC. With a foundation built inside the walls of Citi, Wells Fargo, and Bank of America, Mike brings a rare blend of institutional insight and entrepreneurial agility to every client engagement. This experience enables him to design wealth architectures that harmonize tax strategy, insurance engineering, and long-horizon legacy planning — ensuring clients receive solutions that are structurally sound, elegantly simple, 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.


His work empowers high-income professionals, business owners, physicians, executives, and multi-generational families to construct financial ecosystems that endure.

Areas of Expertise

✅ Business Owner Wealth Transfer & Continuity Planning
✅ Multi-Generation Legacy Structuring (Rockefeller-Style Planning)
✅ Strategic Income Flow, Tax-Advantaged Distribution, & Wealth Preservation
✅ Advanced Life Insurance Design (IUL, Premium Financing, Executive Bonus Plans)

🌱 More Than Numbers

Mike is a proud husband, father of three, and outdoor enthusiast who believes that a well-designed financial strategy should enrich both legacy and lifestyle—creating security today and significance for generations to come.

📩 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, continues 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.

Kizito Kaba Headshot

👋 Meet Kizito Kaba

Financial Strategist | Risk & Wealth Optimization Advisor

Kizito Kaba is a dedicated financial professional with a mission to help families, entrepreneurs, and high-achieving individuals safeguard their assets and build durable, multi-generational wealth. Based in Dallas, TX, he is recognized for his integrity, community leadership, and a client-first approach rooted in clarity, compassion, and strategic precision.

Areas of Expertise

✅ Retirement Income Engineering — maximizing liquidity, income stability, and lifetime financial confidence
✅ Legacy Architecture — designing tax-efficient, generational estate pathways that preserve family prosperity
✅ Wealth Preservation & Tax-Advantaged Income — protecting capital while unlocking long-term, tax-free growth
✅ Advanced Life Insurance Design (IUL & Beyond) — premium structuring for wealth transfer, protection, and living-benefit optimization

🌱 More Than Numbers

Beyond strategies and spreadsheets, Kizito brings heart, humility, and a deep sense of purpose to every person he serves. He believes families thrive when they are informed, empowered, and equipped with the right tools to protect their purpose. His calling is simple yet powerful: to help people rise into the highest expression of their God-given potential—financially, personally, and generationally.

📩 Connect with Kizito

Protecting today. Empowering tomorrow.

Premier Estate & Legacy Planning Strategies

{ "@context": "https://schema.org", "@type": "Service", "name": "Estate & Legacy Planning", "provider": { "@type": "Organization", "name": "Chando Global Group", "url": "https://www.cggrp.com" }, "description": "Discover how to protect your family's legacy using advanced life insurance strategies that avoid probate and minimize taxes.", "areaServed": "US", "serviceType": "Legacy Planning, Indexed Universal Life, Wealth Transfer" } { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [{ "@type": "Question", "name": "What is cash value life insurance?", "acceptedAnswer": { "@type": "Answer", "text": "A permanent life insurance policy that builds savings tax-deferred while providing a death benefit." } }, { "@type": "Question", "name": "Can I use the funds while I’m alive?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, through tax-free loans and withdrawals, for retirement or emergency use." } }, { "@type": "Question", "name": "Will it bypass probate?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Insurance proceeds go directly to named beneficiaries—fast and tax-efficient." } }] }

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 - A Strategic Wealth Asset

Traditional Insurance

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

Strategic Wealth Asset

  • + Grows tax-deferred
  • + Withdraw tax-free
  • + Immediate family liquidity
  • + No Required Minimum Distributions (RMDs)
  • + Transfer a Tax-Exempt Legacy to Your Beneficiaries

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
Home | IRC 162 Executive Bonus Plan | Estate Planning | Why Trust Us
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.

404 – Page Not Found

The page you’re looking for doesn’t exist or may have been moved. Try searching our site below or return to the homepage.

Indexed Universal Life (IUL) for High-Income 30-Somethings | Chando Global Group
Indexed Universal Life (IUL)

Build Freedom, Not Just Savings.

A precision IUL strategy for professionals in their 30s—engineered for tax-free access, market-linked growth with downside protection, and legacy continuity.

For high-income, future-focused professionals

The Next-Gen Wealth Engine for High-Income 30-Somethings

  • Tax-advantaged compund growth with no direct market loss exposure
  • Liquidity for opportunities or emergencies
  • Tax-free retirement access via policy loans
  • Permanent protection and legacy transfer
  • Insurability locked in while young/healthy
  • Shield Your Wealth:Predictable growth + tax insulation
“Time is your greatest unfair advantage—compound it intelligently, shield it from taxes, and design for outcomes.”

— Chando Global Group

IUL vs. Savings: Long-Horizon Growth

Consistent contributions with market-linked crediting can materially outperform taxable savings while avoiding direct downside.

Chart comparing long-term growth of IUL vs. taxable savings for steady monthly contributions

Real-World Example: Meet Jasmine

At 33, Jasmine set aside $,1000/month into an IUL. By age 65, her policy projected $1,291,821 in cash value. She could withdraw $77,509 tax-free annually — for life. She could also enjoy a combined death benefit well north of $1.5M, enhancing legacy potential.

Request Your Personalized IUL Illustration

  • Projected cash accumulation over time
  • Modeled tax-free retirement income
  • Comparison vs. 401(k) & brokerage account

No obligation. We tailor design to income, risk preferences, and legacy goals.

📅 Book Your Private IUL Strategy Session

Client Outcomes

“Opened my IUL at 31. By 40, I had access to $110k—tax-free. The peace of mind is priceless.”

— Danielle M., Attorney

IUL FAQs (Smart Summary)

How does an IUL grow without market losses?

Interest is credited based on an index formula with caps/participation rates—your cash value isn’t directly invested in equities, so it avoids direct market drawdowns while still capturing upside (to limits).

Is tax-free access really tax-free?

Policy loans are generally income-tax-free if the policy is properly structured and maintained. Always consult your tax advisor for your situation.

What if I need cash before retirement?

Policies allow withdrawals/loans from accumulated cash value (subject to terms). This flexibility is a key advantage for high-income professionals.

Why start in my 30s?

Lower cost of insurance, more years of compounding, and earlier protection. Time amplifies outcomes.

Your Future Deserves Intelligent Design

At Chando Global Group, we help high-income professionals engineer wealth that blends protection, precision, and purpose. The IUL isn’t just insurance—it’s your intelligent edge for a tax-free future.

Start Your Design Call

© 2025 Chando Global Group. All Rights Reserved.

(function(){ /* ====== Testimonial slider ====== */ let idx=0; setInterval(function(){ var slides=document.querySelectorAll('#testimonial-slider .slide'); if(!slides.length) return; slides.forEach(function(s,i){ s.style.display = (i===idx%slides.length)?'block':'none'; }); idx++; },5000); /* ====== A/B Headline Variants (persist per visitor) ====== */ var variants = [ "Build Freedom, Not Just Savings.", "Engineer Tax-Free Income. Safeguard Principal. Live Decisively.", "Preserve Capital. Unlock Lifetime Income. Design Your Legacy.", "Intelligent Wealth, Built to Last.", "Turn Income into Tax-Free Outcomes." ]; var key="cggrp_iul_h1_variant"; var saved = localStorage.getItem(key); var chosenIndex = saved!==null ? parseInt(saved,10) : Math.floor(Math.random()*variants.length); if(isNaN(chosenIndex) || chosenIndex<0 || chosenIndex>=variants.length){ chosenIndex=0; } localStorage.setItem(key, String(chosenIndex)); var h1 = document.getElementById('heroH1'); if(h1){ h1.textContent = variants[chosenIndex]; h1.setAttribute('data-variant-index', String(chosenIndex)); } /* ====== Theme toggle (persist) ====== */ var themeKey='cggrp_theme'; var root=document.documentElement; var stored=localStorage.getItem(themeKey); if(stored==='light' || stored==='dark'){ root.setAttribute('data-theme', stored); } var btn=document.getElementById('themeToggle'); if(btn){ btn.addEventListener('click', function(){ var current=root.getAttribute('data-theme'); var next=(current==='dark')?'light':'dark'; root.setAttribute('data-theme', next); localStorage.setItem(themeKey, next); }); } })(); { "@context":"https://schema.org", "@graph":[ { "@type":"Organization", "name":"Chando Global Group", "url":"https://www.cggrp.com/", "logo":"https://www.cggrp.com/favicon.ico", "sameAs":[ "https://www.linkedin.com/company/chando-global-group" ] }, { "@type":"WebSite", "name":"Chando Global Group", "url":"https://www.cggrp.com/", "potentialAction":{ "@type":"SearchAction", "target":"https://www.cggrp.com/?q={search_term_string}", "query-input":"required name=search_term_string" } }, { "@type":"Service", "name":"Indexed Universal Life (IUL) Strategy for High-Income Professionals", "serviceType":"FinancialService", "provider":{"@type":"Organization","name":"Chando Global Group"}, "areaServed":"US", "url":"https://www.cggrp.com/#iul-30s", "description":"Tax-optimized IUL strategy engineered for high-income professionals in their 30s: market-linked growth with downside protection, liquidity, and tax-free access." }, { "@type":"FAQPage", "mainEntity":[ { "@type":"Question", "name":"How does an IUL grow without market losses?", "acceptedAnswer":{"@type":"Answer","text":"Interest is credited via index formulas with caps/participation rates—cash value is not directly invested in equities, so it avoids direct market drawdowns while capturing upside (to limits)."} }, { "@type":"Question", "name":"Is tax-free access really tax-free?", "acceptedAnswer":{"@type":"Answer","text":"Policy loans are generally income-tax-free when the policy is properly structured and maintained; consult your tax advisor for specifics."} }, { "@type":"Question", "name":"What if I need cash before retirement?", "acceptedAnswer":{"@type":"Answer","text":"IUL policies allow withdrawals/loans from accumulated cash value (subject to terms), offering flexible access for opportunities or emergencies."} }, { "@type":"Question", "name":"Why start in my 30s?", "acceptedAnswer":{"@type":"Answer","text":"Lower insurance costs, more compounding years, and earlier protection—time amplifies long-term outcomes."} } ] } ] }
For Elite Soccer Players & Sports Agents

The Soccer Player’s Secret Financial Advantage

Turn peak-earning years into tax-advantaged wealth, lifetime protection, and a Family Bank that never retires — with a well-structured, max-funded indexed universal life (IUL) financial instrument.

0% Floor
No market-loss risk on credited interest
Tax-Advantaged
Potential tax-free access & legacy
Liquidity
Policy loans for opportunities on/off field
No Caps on Funding
Design within modified endowment contract (MEC) & suitability limits

⚽ From Field Goals to Financial Goals

You’ve mastered discipline, vision, and execution. Now convert that same edge into a plan that wins long after the final whistle. A max-funded IUL contract can turn contract income into a tax-advantaged wealth engine that compounds quietly for decades — with downside protection, liquidity, and legacy built in.

"When your income stops, your IUL keeps scoring."

💼 The Athlete’s Private Reserve Account

Plays Defense

Permanent coverage to protect family, brand, and future earnings.

Scores Quietly

Index-linked growth with a 0% floor to buffer market downturns.

Moves Fast

Access values via policy loans or withdrawals for real estate or ventures.

Funds Retirement

Design for tax-advantaged lifestyle income after your playing years.

Builds Legacy

Create a Family Bank that finances opportunity across generations.

Designed for You

Max-funding within MEC rules, tailored to your contract timeline.

Illustrative Scenario (Not Guaranteed)

🧠 Player A: Age 27


Invests $100,000/yr for 10 years into a well-structured, max-funded IUL. By age 45, policy shows $1M+ accessible cash value (tax-deferred growth) with ability to generate tax-advantaged income — while maintaining a permanent death benefit.

No market-loss on credited interestPolicy design within MEC & suitability

Values are hypothetical; performance depends on product, index crediting, charges, and adherence to funding guidelines.

🏆 The Family Bank — In Three Moves

1Fund

Max-fund policy within MEC limits during peak earning years.

2Leverage

Access values for investments, training academies, or real estate.

3Perpetuate

Coordinate with a trust to preserve, govern, and grow your legacy.

❓ Quick FAQs

Is my money at risk in the market?

Index crediting tracks an external index for interest, but your cash value isn’t directly invested in equities. Most IULs feature a 0% floor on credited interest (policy charges still apply).

Can I access cash while I’m still playing?

Yes, via policy loans/withdrawals if values are available. Structured properly, access can be tax-advantaged. Coordinate with your advisor.

How much can I fund?

There’s no 401(k)-style cap, but policies must be designed within MEC rules and suitability guidelines to maintain desired tax characteristics.

Your Next Season Starts Now

Don’t wait until the final whistle to start building your legacy. Take the same intensity you bring to the field and apply it to your financial future.

Schedule Your Confidential Strategy Session

Chando Global Group
Wealth • Legacy • Purpose

Empowering athletes, entrepreneurs, and visionaries to build enduring wealth — with purpose, precision, and legacy in mind.
📞 +1 (704) 247-7387  |  ✉️ [email protected]  |  🌐 www.cggrp.com

A Fortress Around Your Estate Begins With Long-Term Care

Long-term care (LTC) planning is no longer just a healthcare decision. It is one of the most strategic wealth-preservation moves a business owner, professional, or pre-retiree can make. The right long-term care insurance strategy helps you preserve your estate, protect your family, and secure your legacy.

At Chando Global Group, we integrate LTC protection with advanced strategies such as IRC §162 Executive Bonus Plans, Indexed Universal Life (IUL) solutions, and comprehensive estate planning to create a coordinated, multi-generational legacy strategy.

The Silent Threat to Generational Wealth: Long-Term Care Costs

Unplanned long-term care expenses are one of the leading reasons carefully built estates erode. Without a long-term care insurance plan, even affluent families can be forced to:

  • Liquidate investment and brokerage accounts at the wrong time
  • Trigger large tax bills from IRA and 401(k) withdrawals
  • Sell real estate or business interests under pressure, not by choice
  • Place emotional and financial strain on spouses and children
  • Unravel a carefully crafted estate, retirement, and legacy plan

Integrating LTC into your broader estate planning strategy helps you avoid turning a healthcare event into a wealth emergency.

Key Long-Term Care Statistics Every Wealth Builder Should Know

70%

Of people 65+ will need some form of long-term care in their lifetime.

$104,000 / year

Median annual cost of private nursing home care in the U.S. — rising ~5% per year.

3–5 years

Average duration of long-term care — with many cases lasting longer.

$250k–$750k

Potential estate erosion when long-term care is paid out-of-pocket.

Why Long-Term Care Planning Is Essential for Estate & Legacy Protection

For business owners, physicians, executives, and high-income professionals, self-insuring long-term care is often the most expensive and inefficient approach. Long-term care insurance allows you to turn unpredictable, potentially devastating costs into a controlled, tax-efficient component of your overall wealth and estate strategy.

Strategic LTC planning helps you:

  • Protect your estate from unplanned liquidation or forced sales
  • Preserve family harmony by reducing the financial burden on loved ones
  • Maintain dignity and choice in where and how you receive care
  • Align long-term care with your legacy plan so assets flow to heirs, trusts, or charitable causes instead of unplanned medical expenses

Many clients first meet us through our IRC §162 Executive Bonus Plans or IUL strategies. Adding LTC to that foundation completes the defensive shield around their estate.

Smart, Tax-Efficient Long-Term Care Strategies for Affluent Families

1. IUL with Long-Term Care Riders

Bundle Indexed Universal Life (IUL) with long-term care riders to combine: tax-advantaged cash value growth, death benefit, and LTC protection inside one coordinated strategy. Ideal for professionals who want flexibility, protection, and legacy planning in one design. Learn more about how we structure IUL solutions for wealth and protection.

2. Hybrid Life + Long-Term Care Insurance

Hybrid policies provide: guaranteed LTC benefits, a death benefit for heirs, and often return-of-premium features. Families either use the long-term care benefits, pass a benefit to beneficiaries, or recover premium value — creating a “no-lose” approach to LTC planning that harmonizes with your trusts and estate planning structures.

3. Standalone Long-Term Care Coverage

For business owners and high-income households, standalone LTC insurance can offer pure leverage on premium dollars: modest, predictable premiums in exchange for substantial tax-free LTC benefits. This strategy is often used to supplement existing Executive Bonus Plans and IUL designs to create a layered protection model.

Long-Term Care Insurance as a Cornerstone of Legacy Planning

When long-term care protection is integrated into your estate, retirement, and tax strategy, you create a fortress around your wealth and your family.

  • Your estate remains intact and directed according to your wishes
  • Your spouse and children are not forced into difficult financial decisions
  • Your independence, dignity, and quality of care are preserved
  • Your lifetime of work becomes a true multi-generational legacy — not a source of financial strain

To see how LTC fits alongside your existing Executive Bonus Plan, IUL strategy, or estate planning framework, we recommend a personalized design session.

Keep in mind: Legacy isn’t only what you leave behind. It is what you protect while you are here.

Long-Term Care & Estate Protection – FAQs

What is long-term care insurance?

Long-term care insurance helps cover the cost of extended care services — such as home care, assisted living, or nursing home care — that are not typically covered by Medicare or traditional health insurance. For affluent families, it is a key tool for protecting assets and preserving an estate as part of a broader estate planning strategy.

How does long-term care fit into a legacy or estate plan?

Without LTC protection, families are often forced to spend down investment accounts, retirement assets, or real estate to pay for care. By integrating long-term care insurance into a legacy plan, you can shield those assets and ensure they are directed toward heirs, trusts, or charitable causes instead of unplanned medical expenses — in harmony with your existing estate planning documents.

Can I combine LTC coverage with IUL or other life insurance?

Yes. Many high-income professionals prefer to bundle LTC with Indexed Universal Life (IUL) or hybrid life and LTC policies. This approach provides tax-advantaged cash value, a death benefit, and long-term care benefi

Ready to Fortify Your Legacy with Long-Term Care Protection?

A well-designed long-term care strategy is more than insurance — it is a shield around your wealth, your dignity, and the people you love. If you are a business owner, high-income professional, or pre-retiree, now is the time to upgrade your protection and preserve your estate with intention.

Let’s coordinate your LTC plan with your Executive Bonus Plan , IUL strategy , and estate planning framework .

Schedule Your Private LTC Strategy Call
Chando Global Group • Wealth • Legacy • Purpose — Educational only. Not tax, legal, or investment advice.

IUL Illustration Intake Form

Capture the essentials to design a well-structured, compliant IUL.
Client & Insured * required
Financials & Suitability
Policy Design
Existing Coverage & 1035
Compliance
Illustration Assumptions & Notes

This form is a planning aid only and does not constitute tax, legal, or investment advice. Actual carrier forms, underwriting, and suitability review apply. Avoiding MEC status and policy loan risks requires careful design and monitoring.

Ready to Fortify Your Legacy with Long-Term Care Protection?

A well-designed long-term care strategy is more than insurance — it is a shield around your wealth, your dignity, and the people you love. If you are a business owner, high-income professional, or pre-retiree, now is the time to upgrade your protection and preserve your estate with intention.

Let’s coordinate your LTC plan with your Executive Bonus Plan , IUL strategy , and estate planning framework .

Schedule Your Private LTC Strategy Call
Chando Global Group • Wealth • Legacy • Purpose — Educational only. Not tax, legal, or investment advice.

Thank you for your submission.

Our team is carefully reviewing your information and will reach out to you shortly with next steps.

Chando Global Group
HyperCare Support Team
📞 +1 704-247-7387✉️ [email protected]