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Financial Services

XYZ Gens Corp

Financial Planning That Built on Trust, Clarity, and for Real Life

Helping families and business owners across the U.S. protect income, maximize tax benefits, and build lasting wealth through practical, easy-to-understand financial strategies

“I know what I should be doing, but there’s so much information that it feels overwhelming.”
“I don’t know who to ask or where to start.”
“I’ve heard different opinions and don’t know who to believe.”
“I’m not sure if my business makes enough money to need financial planning.”
“I’m afraid this will cost me more money.”
“I don’t want to lock my money away forever.”

Then you are exactly who we're here to help.

We help simplify complex information, prioritize what truly matters, and guide you toward decisions that fit your goals and comfort level.

WHO WE HELP

We Typically Work With:

Families who want financial stability and peace of mind
Business owners seeking additional tax strategies beyond what their CPA has already implemented.
Parents wanting to build their children’s future
Individuals confused by retirement or life insurance options
People who want guidance, not pressure

Explore Our Services

Because Financial Planning Shouldn’t Feel Overwhelming

Our mission is to remove confusion from financial planning by serving our community with honest guidance, clear communication, and practical financial strategies that help families build confidence, security, and lasting financial foundations

You don’t need to be an expert.

Our role is to make things easier to understand.

This isn’t about doing more. It’s about doing the right things, in the right order

— with someone who understands the path.

Here’s how we empower individuals and businesses to achieve their goals:

1. We Break It Down Clearly

We explain each option in plain language so you understand how it works and what it’s designed to do.

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2. We Compare What Matters

When there are multiple options, we compare them side by side and highlight the differences that matter to your situation.

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3. We Discuss Real-Life Scenarios

We talk through how each option may work under different circumstances so you can feel prepared and confident.

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CHECK OUT OUR SERVICES

Our Main Services

Unmanaged IRA / 401(k) Rollover

Review old 401(k) or IRA accounts and help secure them with:

✔️ No upfront fee

✔️ No managing fee

✔️ Protected from market loss

✔️ No penalty

✔️ Easy - to - track app

Life Insurance with Living Benefits

Life insurance designed for real life.

Provides financial protection that may be accessed if illness or health events occur.

✔️ Protection during critical, chronic, or terminal illness

✔️ Access to benefits while living

✔️ Funds can be used for any reason

✔️ Helps protect family, income, and lifestyle

Already have a policy?

We can review it and see if you qualify to add living benefits at no additional cost.

Availability and benefits depend on policy design and individual circumstances.

Estate Planning

Estate planning is not only about assets.

It is about making sure your family is protected and your wishes are honored.

We help families understand and explore estate planning options that may include:

Living Trust

A living trust can help ensure your assets are distributed according to your wishes, avoid probate, reduce delays, and maintain privacy for your family.

Will & Essential Documents

We help you understand how wills, powers of attorney, healthcare directives, and guardianship work together as part of a complete plan.

Beneficiary & Asset Review

Ensuring beneficiary designations and asset titles are aligned with your intentions is a critical but often overlooked step.

Legacy & Family Protection

Thoughtful planning to help protect your spouse, children, and future generations with clarity and structure.

Business & Succession Planning

For business owners, estate planning may include strategies to support continuity, succession, and protection for both family and business interests.

Our role is to simplify the process, explain your options clearly, and help you take the next step with confidence.

Business Tax Saving Strategies

Paying over $30,000 in business taxes this year? Talk to us now!

✔️ Identify additional tax-saving strategies beyond what most businesses use

✔️ Potentially reduce taxable income by up to 30%, depending on structure and eligibility

✔️ We coordinate directly with your CPA to ensure strategies are properly implemented

Millionaire Baby Plan

Build long-term, tax-advantaged funds for your child’s future.

Designed to support long-term goals, including retirement

Funds can be used for any reason:

✔️ Wedding

✔️ First home

✔️ Pay student loan

✔️ First car

... and more. Literally any reason.

Starting with $3/day.

Retirement plans

Retirement planning is not one-size-fits-all.

We help you understand different retirement options and how they may work together based on your income, goals, and timeline.

✔️ Traditional IRA - Contribute up to $7,000 per year (or up to $8,000 if age 50 or older) combined across Traditional and Roth IRAs. Contributions grow tax-deferred.

.✔️ Roth IRA — Contribution limits: $7,000 (or $8,000 if age 50+). Roth contributions are not tax-deductible, but qualified withdrawals can be tax-free.

✔️ SEP IRA - Businesses can contribute up to 25 % of compensation, up to $70,000 for 2025, depending on plan and income. Contributions are tax-deductible for the business and grow tax-deferred

✔️ SIMPLE IRAEmployees may contribute up to $16,500 in 2025, with additional catch-up contributions possible if age 50 or older. Employer contributions are required per plan rules.

Contribution limits and eligibility depend on age, income, tax filing status, and specific IRS rules. This is for general informational purposes and may change annually.

Mortgage Protection

Protect your home. Protect your family.

Mortgage protection helps ensure:

✔️Your family can stay in their home

✔️Mortgage payments are covered during unexpected events

✔️Loved ones are not financially burdened

Plans starting around $1 per day.

BOOK A QUICK CALL

Countdown to the Business Tax Deadline:

March 15

Countdown to the Personal Tax Deadline:

April 15

FAQ's

Is this only for high-income individuals?

No. Many of our clients are middle-income families and small business owners who want guidance and structure, not complexity.

Financial planning is often most helpful for middle-class families because every decision matters. It helps you avoid costly mistakes and make the most of what you earn.

Do I have to pay for the consultation?

No. The strategy call is complimentary and educational. It is designed to help you understand your options and determine whether our services are a good fit for your situation.

When do I have to pay for your service?

You do not pay us directly for our services.

Our compensation comes from the provider companies we partner with, not from our clients.

This allows us to focus on education, guidance, and helping you understand your options without charging consultation or planning fees.

I already have a CPA. Do you work with my CPA or tax professional?

Yes. We are not here to replace your CPA or tax professional. Our role is to help you explore planning strategies and present options clearly. If you decide to move forward, your CPA is welcome to review, verify, and incorporate the strategy into your overall tax and financial profile.

8. I already work with a CPA. Why would I need additional tax planning?

CPAs often focus on filing and compliance. Financial planning looks at long-term structure and additonal strategies that work alongside your CPA.

9. How much money do I need to start?

Many strategies are flexible and can start as little as $1/day. What matters most is choosing the right structure and being consistent over time.

Can we do virual call?

Absolutely. While we have offices in Seattle and Houston, our licensed agents serve clients in multiple states and can work with you virtually.

Can you review my existing 401(k), IRA, or insurance policy?

Yes. We can review your existing retirement accounts or insurance policies to help you understand how they work and whether they still align with your current goals. If appropriate and if you qualify, we can discuss options to upgrade or add additional benefits. There is no obligation to make changes.