Wendy lyon

"THE FINANCIAL LYON"

  If you want to rule the financial jungle,

you need "The Financial Lyon."

​Disclosure Statement:  The material provided here is for informational use only.  The views expressed are those of the author and do not necessarily reflect the views of Penn Mutual or any other company.  This information is not a substitute for obtaining legal, tax, or other professional advice from a qualified, independent advisor. You should not rely solely upon this information in making any decision to buy a product from Penn Mutual or any other company.  Wendy Lyon is insurance licensed in the following states: CA, GA, MD. This is not an offer or solicitation in any states where not properly licensed and/or registered.  [CA License No. O1O9071; GA License No. 3102106; MD License No. 2152404; NPN No. 16813596]

that's right... 

the future's now so bright,

even i need sunglasses.

i and my team "STRIVE for PERFECTION AND SETTLE FOR EXCELLENCE."


CFPs, CFAs, MBAs, plus a plethora of real world experience, are brought to bear to provide you with the level of service and expertise you expect, no matter where you are now in life, business, or career.  And we've made a commitment to perform these services at No Cost to You.  Our goal is to grow your wealth  - not destroy it with fees.

how does your  financial garden grow? 

See the questionnaire below to see if your current financial strategy offers any of these benefits.  if not, and you want one that does, LET'S TALK.

step 1:  prepare the soil


It doesn't matter where you are now.  The important thing is that you want to start.


First, we'll identify your biggest concern.

It may be:

  • When can I retire?
  • Can I afford to send my kids to college?
  • I have assets, but I need cash!
  • I don't know if I have enough protection.
  • I'm afraid I'll run out of money before I run out of breath!
  • What happens if I get divorced or widowed?
  • Or other challenges you may have.

With all the choices and options of where to put your money these days, it can get quite confusing and overwhelming. Here's a great way to narrow down what you're looking to achieve with your hard-earned funds, and whether or not we'd be a good fit in growing your financial garden together.

Are you enjoying these benefits and guarantees with your current strategy?

1. It increases by a contractually guaranteed amount each year.    

    Yes         No       I want that

2. Your principal doesn’t lose value due to a stock or real estate market crash. 

    Yes         No      I want that

3. Your plan is administered by a company that's been in business over 160 years and is so rock-solid, that it’s never failed to pay a dividend in over 160 years?     

Yes             No      I want that

4. Once credited to your account, both your guaranteed annual increase and any dividends you may have received are locked in – they don't vanish because stocks or real estate tumble.
Yes             No       I want that

5. You have peace of mind knowing that your growth (as well as your principal) in the plan are protected by 3 built-in guarantees and by tax law.
Yes             No       I want that

6. You don't have to depend on luck, skill, or guesswork in choosing the right stock, mutual fund or other investment, because you know your money is guaranteed to grow each and every year.
Yes            No       I want that

7. If you pay for major purchases by borrowing your equity from your plan to pay cash for these items, and then pay your plan back with interest (just as an outside lender would have required you to do), you could ultimately recapture most or all of the interest you'd otherwise pay to financial institutions, but never see again.
Yes            No        I want that

8. When you pay for things as described above, you could also recapture those dollars in your plan, so you can use them again.
Yes            No        I want that

9. Your plan comes with tax advantages. Cash grows tax-free.  And dividends, which you can use in a variety of ways, are not taxable until they exceed your "cost-basis," at which point you could switch to borrowing against your "cash value" tax-free, as long as the policy remains in force (as spelled out in IRS Tax Code, Section 72).
Yes            No        I want that

10. You are in control of the equity in your plan, and you don't have to sell or liquidate your plan, investments or assets to get your hands on your equity.
Yes            No        I want that

11. You can borrow your equity in the plan and use it to buy things or to invest in anything you want, while your plan continues to grow as though you never touched a dime of it.  Like real estate, you can't lose your place on the exponential curve by taking equity out.
Yes            No       I want that

12. You don't have to pin your hopes for a secure financial future on Monte Carlo theory, luck, skill, or guessing games. You can predict the minimum guaranteed value of your plan in any given year (less any outstanding loans you've taken from the plan), as well as the minimum annual income you could take from the plan and for how long.
Yes            No      I want that


13.  You can't be turned down for a loan (as long as you have equity in the plan), and you don't have to fill out a credit application to get equity.

Yes            No       I want that


14.  If you take out a loan and reduce or skip some loan repayments, you won't get a black mark on your credit report or harassing calls from bill collectors. In fact, if you can choose not to repay the loan at all (it will simply reduce the amount you leave to your heirs).

Yes            No       I want that


15. You can have access to your equity in the plan to provide retirement income – when and how you want it – with no government penalties for "early" withdrawal, or for waiting "too long." There are also no penalties for taking out "too little" each year and no mandatory annual "minimum withdrawal" requirements that are typical of traditional retirement plans (and without the restrictions of 401k withdrawal rules).
Yes           No        I want that

16. Your plan has a guaranteed value at "maturity" and passes to whomever you choose income-tax free, according to current tax law (IRC Section 101).
Yes           No        I want that

17. The money in your plan may be protected from creditors and lawsuits and not considered as an asset when applying for college funds but is considered an asset on your books as a business (consult with legal counsel to determine what's applicable in your state).
Yes           No        I want that

18. Your plan is not dependent on government-sponsored programs like Social Security or Medicare, both of which are predicted to go bankrupt. You also don't need to depend on an employer to keep their pension or retirement plan promises, because this can be used to create your own pension plan.
Yes           No         I want that

19.  It makes your other assets work more efficiently, and you can use it to replace those other assets, allowing your use and enjoyment of them in retirement, and still leave a legacy behind.
Yes          No         I want that


20. You know exactly what your wealth will be - guaranteed -  for the rest of your life, all the way to age 121 (if you should live that long!).

Yes          No         I want that

If you answered "I want that" to any (or many) of the questions above, and you'd like to get started, enter your name and email below.  Upon request, I'll also send you 8 Common Places to Free Up Cash.  (Don't worry.  I hate spam, too.  And I'll never share your email with anyone.  I promise.)

how we grow your financial garden


i and my team take the complex world of the financial services industry and make it simple, clear, and organized.

  • We take all those disconnected, disjointed, financial decisions you've made in your life out of the "financial junk drawer." 
  • We then organize, coordinate, and integrate them together. 
  • It is this integration and coordination that helps cause an Acceleration of your wealth, upon which we strive to build the financial foundation you, your family, and/or your business desire both now and into the future.
  • We base our recommendations not on bias, the latest hype, or "averages."  We base our recommendations on 40 years of sound economics and actuarial science.

is dave ramsey always right?

I've heard Dave tell his story.  He was in a ton of debt and sought God and the Bible on how to get out of it.  And that's great.  But does that make him an expert on all things financial?  You decide.

(I hate spam, too. Your email address will never be shared.)

Does your current strategy give you these benefits & guarantees?

step 2:  plant the seeds


Next, we'll identify where your wealth may be susceptible to erosion or loss and put strategies in place to protect it and put it to work where you need it.

  • Are your investments placing a present or future tax burden on you that could be alleviated with a change in strategies?
  • Do you have an umbrella policy to help protect you from lawsuits? Do you have a will or trust in place?  A durable power of attorney?
  • Are you overfunding your 401k and locking up too much money until retirement that could be working for you now, and with less risk?
  • Do you have any protection in place in case of a disability or work-related injury?
  • Do you have ample funds available for emergencies or the unexpected?

step 3:  nourish & maintain


Once we create your plan, we continue to "nourish and grow" and "prune as needed" to ensure you stay on track.  We go at your pace for implementation.  Every step has to pass your "sleep test."

  • I and my team will work diligently to create and coordinate strategies to help make your financial future as optimal as possible for you, your family, and/or your business.
  • Each strategy will be explained in detail, along with supporting documentation, as to why it may be a great option for you.
  • We'll go at your pace, allowing you plenty of time to think it over, discuss it, and meet again until you pass "the sleep test" and are ready to proceed.
  • We are not a "one and done" team.  We will review your financial situation every year, or more regularly if needed, to help ensure you remain in your optimal financial position now and in the years to come.