C.I.R.C.L.O.
Insurance & Investment Research Consultancy Legation Office
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Our goal is to provide you, the consumer, with value added products and services. 'Value added' means getting a little more than what you will get elsewhere. More in terms of products, more in terms of service, and more in terms of advice:
- No obligation - free - answer your question service.
- Free Gift, while supplies last as our way of saying thank you for visiting our homepage and considering our service.
- 24 hours service. Call us at (852) 23885838 or E-MAIL: circlelo@circlelo.com for answers to your questions or 2nd opinions on your previous programs.
- Monthly updated news, issue, alert service. By the 15th of every month our news area will provide you with fresh ideas, legislative, or product information.
- Personalized Financial Computation (PFC) of where you are today. These no cost services
- get you comprehensively thinking about where you are financially.
- Your PFC allows us in a position to make recommendations based on your actual needs and actual situation.
Our relationship is special which is not only worth keeping, but worth protecting and promoting. It's the feeling I'm looking to create with my clients. This means more to people who have had bad experiences with insurance in the past. You don't know just how good really is until you've had a bad experience to compare it to. So whether you are starting out new, or looking to improve your situation, welcome aboard. Please open your awareness and think about yourself:
Estate and Tax Planning - When you are no longer here, will you have made sure the rest of life will carry on the way you want it to. Will your family be provided for ? Will the government have a large claim on who and what you leave behind?
Retirement Planning - On what day do you want to stop working, and how much
money do you want to have on that day ? Will it be enough to make sure that
you will never run out of money for as long as you live ? Is that where you
would like be ? Do you want ideas on how to get there ?
Education Funding - Are your children or grandchildren going to college ? Who will pay the bill and how ? Do you want ideas on how to get there ?
Life, Disability and Health Insurance - Protection for you and your family offered through:
LIFE INSURANCE - How much life insurance is enough? What is the right kind of life insurance, permanent, term, or a mixture of both? If your insurance plan is going to have a savings account, what should the investment basis for that savings be? Stocks? Bonds?Mortgages? Cash? How do you protect the tax-free nature of these accounts?
DISABILITY INSURANCE - If a sickness or accident tomorrow prevented you from going to work, how would you pay the bills? Do you have a plan that will make sure at least 70% of your income is still there for you and your family?
ACCIDENT INSURANCE - If an accident generated one or more in bills in your debt, how would you pay for it ? Is it OK if you loose every single asset you own in order to go on welfare?
MEDICAL INSURANCE - What is the minimum recommended coverage? How soon can I get the coverage? Is it guaranteed renewable?
Investment Products - Mutual Funds, Bonds and Annuities
Investments - What are some of the more tax-advantaged ways of saving money? Where should I put my money? How do I decide between stocks, bonds, or the bank? Am I an agressive, moderate or conservative investor? Am I in my accumulation, preservations, or retirment phase of my life?
How to Reach Us - It's easy to get in touch with us for answers
E-Mail at locky@circlelo.com
Call us at (852) 27827879
April 21, 1999.
We expect new budget changes to create enormous opportunities for individuals and business interested in retirement planning.¡@
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Copyright 1999 C.I.R.C.L.O. All Rights reserved.