Atlantic Financial Group LLC
CEO & Principal
Brett is an avid boating enthusiast, and holds a USCG Master Merchant Mariner 50 (GRT) license. He loves spending time on the Chesapeake Bay with family and friends. He is an Eagle Scout and a Life Member of the National Eagle Scout Association. In 2014, the Baltimore Area Council of Boy Scouts of America named Brett the Eagle Scout CEO of the Year. He and his wife Molly reside in Wye Mills, Maryland with their daughter Emily and two Goldendoodle dogs.
Brett started in the financial services profession in 1999. The Atlantic Financial Group, LLC was formed shortly thereafter. The firm's philosophy in working with all of its clients is to guide them through a process that Starts With a Plan™. This process is aimed at helping the clients crystallize their financial goals and objectives.
Brett is also part of the Inner Circle Society. They represent a distinguished group of donors who have supported the MDRT Foundation with annual gifts totaling $5,000 or more. To accommodate recognition opportunities at the MDRT Annual Meeting, donor recognition dates for the Inner Circle Society are April 1 to March 31 of the next calendar year. Brett is also recognized as a Royal Order Excalibur Knight of the MDRT Foundation.
Founded in 1927, MDRT is an international, independent association of nearly 30,000 of the world’s leading life insurance and financial services professionals from 76 nations and territories, representing over 450 companies. MDRT members are recognized as skillful professionals who are considered to be among the best in the industry, perform outstanding client service, and have achieved the highest standard of sales excellence in the life insurance and financial services business. Brett is a Life & Qualifying member of the MDRT, and is a 5 time member of the Court Of The Table, and has 1 Top of the Table honor.
In 2014, the Brett & Molly Sause Family Charitable Fund was established. This fund was created to benefit children in need from infancy to adolescence.
Brett serves as a mentor in the MDRT mentor program for new representatives in the business and is also a sought-after speaker within the MDRT Speakers' Bureau.
At an industry level, year after year, Brett has been awarded both the National Quality Award and the National Sales Achievement Award from NAIFA. Brett has been featured in numerous financial publications, such as Life Insurance Selling Magazine and Advisor Magazine and has been the keynote speaker at many insurance and financial practices around the east coast.
Brett is a member of the two largest lobbying associations within the life insurance and financial services industry; AALU (Association for Advanced Life Underwriting) and NAIFA (National Association of Insurance and Financial Advisors). From 2009-2011 Brett served as the President of NAIFA-Anne Arundel, a local chapter of NAIFA. Brett was awarded "Agent of the Year" from NAIFA-Anne Arundel in 2009 and 2010.
In 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, and 2017, 2018 Brett was awarded "Agent of the Year" representing the Baltimore/Annapolis General Office of the New York Life Insurance Company.
Assets Under Management:
Brett M. Sause, an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of Maryland, Delaware, Virginia. Brett M. Sause is also licensed in Pennsylvania, Florida, Virginia, Georgia & North Carolina. No insurance business may be conducted outside these state referenced.
Brett M. Sause, Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency, 1954 Greenspring Drive Suite 700 Timonium, MD. 21093 (410)321-6161. In this regard, this communication is strictly intended for individuals residing in the state of Maryland. No offers may be made or accepted from any resident outside the specific state referenced.
Brett M. Sause, is Licensed to offer mutual funds and variable products. Market Watch information is provided for informational purposes and is not considered an offering of securities.
Wow you are our every day kind of client. Your problem is in our wheel house, and what we do everyday.
So there are so many ?'s to ask you, more than i have the time for here now, but I will give you a few in hopes that we can talk more.
Are you married? Kids? Are your Kids married? Have you done any estate planning? Will Trust etc?
Do you have any charities you like?
Have you ever heard of a QLAC? Qaulifed Longevity Annuity Contract?
A really smart way to minimize the tax on RMD's is 1st max a QLAC, 2nd Use a Lifetime income contract to create a tax leveraged income stream (this can fund a life insurance contract)
At your death, the death benift from the Life contract will be income tax free to the designated beni. To include a charity.
There are a number of other ways here: but lets talk live please or we can do a webinar.
You can not use your 401k plan to purchase Life insruance, and even if you could you should not. Your 401k is likely pre-tax. The life insurance is after tax. What you need to do is have a better understanding of where you can hide money on a post tax basis. There are only 3 choices for everyone but, not everyone can qualify.
- Investment grade life insurance with a mutual triple A rated company
- Roth IRA
- Muni Bonds
There is way more to learn here about your situation. We are happy to have a chat with you with a webinar/call
Brett M. Sause, LUTCF®, LTCP®, CLTC®, RFC®, LACP®, FSCP®
Principal & CEO
AtlanticFinancialGroup.org * 401(k) Rollovers * Retirement * Long Term Care * Estate Planning * Charitable Giving
Member of the Nautilus Group, an elite group of industry professionals who work with ultra-affluent and high net worth families and business owners to help them achieve their estate, business, and charitable planning objectives (a service of the New York Life Insurance Company).
Headquarters: 8706 Commerce Dr. Suite # 1 Easton, MD 21601 (443) 249-3311 ph (443) 249-3312 fax
Brett M. Sause, Principal & CEO Atlantic Financial Group, LLC. Registered Representative offering securities through NYLIFE Securities LLC (member FINRA/SIPC) , A Licensed Insurance Agency 8706 Commerce Dr Suite # 1 Easton MD 21601 443-294-3311 Atlantic Financial Group,LLC is not owned or operated by NYLIFE Securities LLC or its affiliates. If you do not wish to receive email communication from NYLIFE Securities LLC and/or Atlantic Financial Group, LLC, please reply to this email, using the words "Opt out" in the subject line. Please copy email@example.com.
First the owner of the life ins has all the rights. No one else. If your grandmother owned the policy, and she passed, my guess would be that the policy didnt have a sucessor owner on it, this could have been you? You need a certified death cert,. and possiable a letter of administration thur the local court.
If there is no sucessor owner the policy would be placed in her estate. This just make more work for you.
Before you cash it in, STOP!!! You should have an expierenced advisor with life insurance expertise review it. Life insruance is the single greatest benefit in the tax code. You may really mess up some great tax free money for your own future.
Much more to talk about here, and consider. Reach out to us if you would like. Happy to help.
Best of luck,
Look here! https://www.ssa.gov/pubs/EN-05-10070.pdf
Make sure you do a social security optimizer, you want to get the most, and not the least. Once you file, your done! There is no mulligan.
Get an advisor that can help.
Sounds like you have many things going in the right direction CONGRATS.... Here is something you didnt mention! Did you know you have a greater chance at age 27 of becoming disabeled then you do passing away. We would urge you to make sure your disability is set up correclty #1
#2 make sure you have the correct amount of life insurance. Do not count on your life insurance from you company, more than likely is it term, and not portable. To find out how much life insurance you need and disability coverage go here: https://lifehappens.org/insurance-overview/life-insurance/calculate-your-needs/ from this page you will also find the disabilty link.
#3 Remeber that your current disabilty at your work will not fund your retirement plans..... thats up to you!
Also remeber that the life insurance isnt for you, but rather the family you leave behind. Our bet is most of what you are funding is subject to income tax at your death. If you want to make sure your family is set, then make sure you have the correct amount of life insruance.