Welcome to Goldwater Financial Group

Your retirement matters. We create retirement options that can help you achieve your retirement goals safely.

Barry Goldwater is a well-known local expert in the matters of retirement and retirement income planning. Since 1985, Barry has helped people in Boston and throughout Massachusetts retire safely and securely. His clients include retirees from every walk of life, from public servants to small business owners and beyond. In fact, not one of Mr. Goldwater's clients has ever lost money in the stock market while working with him.

Barry Goldwater | Principal

Barry Goldwater is the Founder & Principal of Goldwater Financial Group, an insurance advisory firm dedicated to delivering planning strategies that help families and businesses achieve their goals of wealth-building and protecting family assets.


Because of his deep desire to help people succeed, he works tirelessly to address the issues that matter most to the people who rely on his good advice, financial education, and product knowledge.

Let's Talk!

LET'S SEE IF YOU QUALIFY!

We all know that in order to achieve our goals, A portion of our assets need to be invested in the stock market. Equally as important for the stability of our household is the role fixed income assets play in our investment portfolio. We want protection, safe investments with attractive returns.

The problem though is two fold. First, it does not matter what you invest in if you do not have enough capital. The current return of fixed assets is not great enough to meet our retirement goals. The accepted financial recommendation is 60 % of your wealth in stocks and 40% in fixed assets. And that belief system has failed. 60% of your wealth at risk all the time and 40% in fixed assets which have not kept up with inflation, losing value as interest rates rise? As a result, there are trillions of dollars sitting in U.S. savings accounts because of the fear of loss, waiting for something attractive that will help achieve financial goals.

What if you could have the safety of fixed income assets, attract MORE CAPITAL to the table and have the opportunity for tax deferred cash growth? Introducing Kai-Zen. Kai-Zen gives you the opportunity of adding 3 times more capital providing 60-100% more benefits then your investments alone.

By using a uniquely designed life insurance policy, your contribution are matched by the lender for the first 5 years. Then the lenders use that as a security for the additional funds deposited over the next 5 years. Because of this security, you do not have to qualify for the loan, make interest payments or personal guarantees.

The initial contributions are used to fund death and living protections for you and your loved ones, the rest of the money is used to achieve tax deferred growth. What sets Kai-Zen apart from typical fixed income assets is the potential for attractive returns while keeping your MONEY SAFE. When a market index has growth, it is calculated and credited to you. Once gains are credited you cannot decline because of market declines and this allows you to capture market growth without the fear of market crashes. And the best part is having 3 times more capital at work is more then you could contribute alone.

Secure your future with Kai-Zen. More money, more protection, more confidence.


Contact Us

Introducing the KaiZen Plan

Learn More Below

We'll help secure your hard-earned retirement

Goldwater Financial has a keen focus on de-accumulation planning. Said differently, we are income planning specialists with an emphasis on lifetime income planning. We integrate all your pension-like income and we make a plan that under any circumstances, you will never run out of money. You have our word.

WE’RE HERE TO HELP YOU

Identify your goals & achieve them

Your retirement will cost you an average of 6 times more than your house. Most people use financing to live in a better house, so why aren’t you using financing to help you fund a better retirement?

Perfect Plans

We have what it takes to help your finances prosper

Physicians

What is your current state of financial health? Are your financial vital signs on track?

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Business Executives

Will your 401(k) fund 80% of your paycheck by age 65, 70 or 75? Qualified individuals fill the income gap with Kai-Zen.



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Attorneys

What are your two biggest risks when planning for retirement? Taxes and Market Risk - Could these affect your net income? Would you like to eliminate those risks?

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Real Estate Professionals

When your clients purchased their home - did they use a mortgage to purchase a larger/nicer home? Why wouldn't you do the same for your retirement?

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We'll help secure your hard-earned retirement

Goldwater Financial has a keen focus on financial planning. Said differently, we are income planning specialists with an emphasis on lifetime income planning. We integrate all your pension-like income and we make a plan that under any circumstances, you will never run out of money. You have our word.

KaiZen is Different

The success of your retirement depends on the amount you save, not on your rate of return. A unique cash-accumulating life insurance policy using leverage offers an opportunity to earn interest and eliminate the risk of market declines while providing you and your family protection. The policy secures the loan, providing you the potential for an additional 60-100% more for your retirement without the typical risks associated with leverage.

Why Using Leverage Is Smart

We have all used leverage to purchase a nicer house or to buy a better car. 

Kai-Zen®uses leverage for the potential to accumulate more growth & obtain more protection, while providing the ability to maintain your current standard of living. That’s the smart way to use leverage.



Potential for more accumulation.
Maintain current lifestyle.
More protection for you and your family.
Diversify your assets.


Ready to get started?

Call us at (617) 527-9736

What do people say about us?

Richard LaCross-Director, KLR

"I've collaborated with Goldwater Financial for over 4 years and I highly respect their expertise in utilizing insurance-related solutions when it is called upon. I find Goldwater Financial to be unique as insurance professionals who think outside the box with their solutions."

M. MacDonald

Barry is an exemplary professional who puts the needs of his clients before his own. He possesses a great ability to solve complex problems. He prides himself in lifelong learning so he can continually do the best job for his clients. He is an absolute pleasure to work with and has a wonderful style to help people feel at ease.

Michelle Boggs

“Barry is an excellent communicator, advisor and respected financial planner. I've trusted him for more than 14 years with my finances, and it's a relief to know my money is protected and invested wisely.”

FAQ

  • Is the audit you're offering really free?

    Yes, it is. We'll offer an hour of free consultation and basic financial audit. 

  • What sectors do you specialize in?

    We are a complete financial advising group, specializing in Asset Protection, Family Legacy Planning, Extended Care Solutions, Retirement Income and more. 

  • Which financial services do you offer?

    Our Group advises in  Asset Protection, Family Legacy Planning, Extended Care Solutions, Retirement Income, and more. 

  • Why should I choose Goldwater Financial Group?

    Because we're experienced. Because we know what we're doing and because we genuinely believe we can help you establish a stronger financial plan, and enjoy a better retirement.

Goldwater Financial Group

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Should I Capitalize Interest or No

By Springfield Marketing Services • July 24, 2022
Most traditional Premium Finance programs require the client to pay full interest on the loan whereas many (but not all) of NIW’s designs capitalize on the interest. Why does NIW use a different approach? Could it be that the prevailing approach is wrong? Capitalizing interest ultimately means rolling the interest into the loan, which has advantages and disadvantages to overpaying for the interest out-of-pocket. When designed correctly, NIW finds that most of the time clients prefer the interest on financed insurance cases to be capitalized. However, the right conditions must be met because there are multiple situations when this is not possible or recommended. Paying the interest into the trust has historically been the norm for premium finance cases. However, this method comes with the price of gift taxes, opportunity costs, and fees associated with liquidating assets. The problem of paying interest out-of-pocket is circular. Many programs rely on the cash accumulation of the life insurance policy to pay off the loan, and in order to get surplus cash accumulation the design must be over-funded. The result of over-funding is that the borrower (typically a trust) needs to continue borrowing larger sums of money to achieve the optimum level of funding. Over-funding results in a very large loan, and consequently more interest. As a result, the client ends up paying as much (or more) in interest as purchasing a conventional life insurance product. Clearly, paying interest payments out of pocket defeats one of the primary reasons clients use financing in the first place. On the other hand, if you don’t over-fund the policy you can’t create the surplus cash value to pay off the loan. Damned if you do; damned if you don’t. The chart below shows a typical 7 pay funding pattern where the client is financing and paying full interest out of pocket. This is compared to the premium payments the client would have been making if they had purchased insurance out of pocket. The following chart compares annual payments for a $10m Policy GUL vs. interest payments on a 7 Pay PF IUL 45- year-old Male Standard Non-Smoker. The loan was priced at the current forward 30 day LIBOR curve +1.75%.