Patrick T. Davis, CSA®

CSA®, Certified Senior Advisor

Educated at Tennessee State University (’91), and The American College of Financial Services, Patrick holds the Life and Health Insurance license and belongs to the Society of Certified Senior Advisors (CSA®).  A Certified Senior Advisor (CSA®) is one of the leading designations for professionals who work with seniors and retirees. Those who have the CSA® designation demonstrate comprehensive experience in a wide range of issues that plague seniors such as their health, social issues, financial concerns and legal considerations.  Learn more at www.csa.us

About

For 24 years I've helped my clients grow and preserve their nest eggs through customized financial planning strategies.

By working with me on YOUR long-term financial goal, I promise: 

You will never suffer a losing year in your financial plan… or even a single lost day.

You will always look forward to opening your account statements, because they always have good news and never any ugly surprises.

You will grow your savings by a guaranteed and predictable amount every year.

You will fire greedy bankers and credit card companies and become your own source of financing – get access to money when you need it on your terms. 

You will have a financial safety net to see you through life’s inevitable challenges and emergencies.

And you will have the peace of mind that comes from knowing exactly what your retirement account will be worth on the day you plan to retire.

I look forward to having the opportunity to share this amazing strategy with you, and to having the opprtunity to serve you and your family and business.

The Single Greatest Financial Tool Ever Constructed

Income from pensions, traditional IRAs, 401(k)s, and similar plans are taxed as ordinary income.  Retirees with high amounts of monthly pension income will likely pay taxes on 85% of their Social Security benefits.  Wouldn't you like to avoid the restrictions and penalties of government-sanctioned retirement plans such as 401(k)s and IRAs, in favor of a specialized type of plan that builds significant value with valuable tax advantages? Well, you can.

We deliver on this goal for our clients by using high cash value - dividend paying - participating whole life insurance. It is the single greatest financial tool ever constructed.  Here's the scoop.  

When you buy a specific kind of high cash value dividend paying participating whole life insurance policy, you are buying both life insurance and a tax-free savings vehicle. Each year a growing part of your premium goes into the savings vehicle. The cash balance in it grows tax-free at an interest rate guaranteed by the insurer. When your policy is properly structured and correctly funded, this cash balance will grow internally, resulting in a net gain to you, the policy owner. 

It may sound odd to some people that life insurance can actually make money, but it is the actual intent of almost every properly structured permanent life insurance policy to have a positive return on investment.  

Here's how it works:

1. You have tax deferred growth on your earnings.
2. You have tax-free income when you need it.
3. It is self-fulfilling, meaning that should you no longer be in the picture, it would still produce immediate and perpetual tax-free cash for your family.
4. It is funded should you become disabled.
5. You have consistent upside only guaranteed growth. Somewhere between 4-6 percent annual growth.  (To use a baseball analogy - No swinging for the fences. No home runs.  Just single after single after single.)  Consistency each and every year.
6. All of your gains are 100% locked in and you will NEVER see a loss due to market downturns. 
7. You can access your own money at any time without any interest, without any payment schedule, and repayment of your loans to be optional. And does not affect your credit score.
8. You have access to your money whenever and for whatever you want without qualification or time delays.This is The Tax Free Retirement Strategy.​

Patrick T. Davis, CSA®

Certified Senior Advisor (CSA®)

NPN: 7137980   GA LIC: 620653

Phone: (404) 729-3438