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Time is money.
Let us help you use yours better.

Some people think selling future structured settlement, investment annuity, or prize payments isn’t for them.

We acknowledge the truth others are afraid to admit: it isn’t right for everyone.

This way of thinking is one of our key motivations. Making our guidance different, simpler, and better.

It’s also true that exchanging future structured settlement, investment annuity, or prize payments for a more immediate lump sum isn’t just for solving dilemmas that keep you awake at night. It can be in your best interest to take a step that allows you to realize a new opportunity that can improve your life in ways not doing so can’t and won’t. Consider what you might be able to do:

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Take a chainsaw to your credit card debt.

Selling some of your future payments can allow you to rid yourself & your family from burdensome higher-interest debt. Even if you have that under control, think about how much of your disposable income it consumes.

The average U.S. household incurs more than $15,000 in credit card debt and almost 25% who have credit card bills – 1 out of every 4 of us – pays just the minimum monthly payment. We understand that it’s not always easy to make ends meet, and paying down credit card debt faster isn’t something everyone can do with only their take-home pay.

If you have individual credit card debt accruing interest at 18% or more, paying the minimum means it’ll take at least 22 years to pay off that debt even when the minimum payment is 2.5% of the then-current balance. That interest isn’t in your interest, made worse by the fact that it isn’t tax deductible!

Tell your high interest loan you’re thinking
of a number that starts with zero.

If you have a car, truck, boat, or recreational vehicle loan from a private dealership or “buy here, pay here” lot, just what is the interest rate on that loan?

Paying off that type of loan could improve your credit score and credit worthiness by sharply reducing your total outstanding debt, making you more eligible for additional credit if & when you really need it at better interest rates, while allowing you to keep more of your hard-earned disposable income.

If you’re late even just once, or miss a single payment, your vehicle might be repossessed days later, leaving you with significantly damaged credit, no transportation, collection headaches and costs, and a lost asset for which you’ve been paying way too much already!

Stop the rat race and start your own business

When you’re your own boss, you can control your own destiny, set your own working conditions and environment, develop a better work-life balance, and reap more of the rewards you might otherwise see go to others who don’t always work as hard or as well as you do.

Your hard work can be rewarded more like you’d like to see that happen than if you were working for a manager or supervisor who decides if & when it’ll happen for you. You can challenge yourself as much or as little as you want instead of possibly finding yourself in a dead-end job that might not even have the benefits and security you’d expect.

Best of all, you can build something long-lasting that you can pass along to your family, to benefit them for years to come.

What else might you be able to do? What else do you want to be able to do?

Afford college and related expenses for an advanced degree and better career for yourself or a loved one.

Pay down student loans and resolve delinquencies and defaults.

Buy a new home without the costs and surprises involved with a subprime loan.

Make necessary home improvements at better prices and with better terms without incurring higher-interest debt.

If what you tell us about yourself, your family, and your future payment stream leaves us thinking that we wouldn’t sell payments if we were in your shoes, we’ll tell you that, plain and simple. If we think we can help, we’ll take the time to talk with you to better understand your needs and work with you to design a solution that has both your present needs and your future in mind.

We’re only interested in your best interests.

One size doesn’t fit all and neither does one solution. Working with you means getting to know you and your situation, and the ideas we offer based on that. That’s why ours is a better, smarter, more useful solution.