Amit Gandhi
Book a call with me:
ACA Health Insurance - Annual Open Enrollment Period PY2025
This booking portal is only available through the
2025 Annual Enrollment Period
November 1, 2024 through January 15, 2025
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2025 Health Insurance Plans are now available for Annual Open Enrollment:
November 01, 2024 through January 15, 2025
For individual and family ACA plans:
you have until December 15, 2024 to pick or change to a new plan with an effective date of January 1, 2025; to avoid any gap in coverage.
Amit Gandhi, MBA, CWPP™, CAPP™
NPN ID: 10212358
licensed in TX, CA, NM, NV, & OK
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DISCLAIMER: By submitting your information, you agree that Amit Gandhi may contact you at the above-listed email or phone number. I understand that consent is not a condition of purchase.
Initial Discovery Call: Financial Planning
Book a meeting with me for 45-60 minutes, and let's discuss your current financial position and goals.
During this time, you will have my undivided attention to inquire and ask any question that comes to mind, from
Life Insurance Planning
Disability Insurance
Long-Term Care Insurance Planning
Medicare Supplement Plans (over 65 years old)
Health Insurance (Texas 2023 Annual Open Enrollment Period being Nov 1, 2022)
Affordable Care Act (better known as Obamacare)
Current Mortgage and how we can accelerate the equity in the home, or even lower your interest rate and save you on your monthly cash flow for alternative options.
Areas of Expertise
Asset Protection Planning & Wealth Preservation Strategies
- Business entity structure and guidance
- Trust Planning
- Homestead Exception
- Life Insurance
- Accounts Receivables and wage protection from creditors.
Retirement Plans
- ERISA plans
- Non-ERISA plans
- Various IRAs
Typical Asset Protection Plans (that do not always work)
- Co-Ownership
- Joint tenancy
- Tenants in common
- Tenants by the entireties
- Community property states
Corporate Entities
- Sole proprietors
- Partnerships
- Corporations (C- and S-corporations)
- Limited Liability Companies
- Piercing the Corporate Veil
- Keeping the Entity Valid
- Types of Creditors (Inside and Outside)
- Trustee /Fiduciary Liability
Limited Liability Companies/Family Limited Partnerships
Trusts as Asset Protection Tools
Types of trusts
- revocable
- irrevocable
- intervivos
- testamentary
- Dynasty trusts
- Alaskan asset protection trusts (and other self-settled trusts)
Personal Residence Protection
- Homestead exemption
- Tenants by the entireties
- Qualified Personal Residence Trust (QPRT)
- LLCs and FLPs
- Debt Shields (Equity Stripping)
Mortgage Planning and Advisory (i.e. if you may be going through a divorce)
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Estate Planning
- Wills,
- Durable Power of Attorney,
- A&B Marital Trust or Living Trust,
- Irrevocable Life Insurance Trust (ILIT)
- Dynasty Trust
- Divorce Protection
- Generation Skipping Tax (GST)
Life Insurance
- Type of Life Insurance Policies
- Cash Value Life Insurance
- Whole Life Insurance
- Universal Life
- Variable Universal Life
- Equity Indexed Universal Life (EIUL)
- Survivorship or "2nd-to-die" Life Insurance
- Policy Riders & Underwriting
Mortgage Planning/Equity Harvesting
1) Types of Mortgages
a) Conventional and Government Loans
i) FHA
ii) VA
iii) RHS Loan Programs
iv) State and Local Housing Programs
v) Conforming Loans
vi) Jumbo Loans
vii) B/C Loans
viii) Fixed Rate Mortgages
ix) Balloon loans
x) Adjustable Rate Mortgages (ARMs)
-Margins & Indices
-Negatively amortizing loans
Should clients pay off their mortgages?
The Cash Flow/Option Arm Mortgage
Equity Harvesting (also knows as equity stripping)
Advisory Services - Debt Management/ Planning (Debt Eliminator/H.E.A.P.lan)
Debt is not always bad, in fact when leveraged properly it can work in your favor from many aspects.
Book a time with me for an in-person consultation if you’re looking for options optimize your financial plan through accessing avenues to leverage debt to a level of optimization to build your overall personalized financial plan.
Initial Discovery Call: Life Insurance Planning
Life Insurance
Most people do not like purchasing life insurance, but life insurance is the primary foundation of any financial planning strategy; that is why we take pride in educating our clients to understand the benefits of various life insurance options and how to benefit by using specific policies while living and also make sure you are covered with the amount necessary in the event of an untimely passing.
The policy type I am referring to (which we will further discuss on/in our meeting, has the following benefits:
- Tax-free accumulation of wealth
- Cash growth is pegged to the S&P 500 stock index
- There is NO downside risk (your money never goes backward due to market downturns)
- Tax-free use of the cash as a supplemental retirement vehicle
- A free long-term care benefit
- A free critical-illness benefit
- A free terminal-illness benefit
Do the above benefits sound like a life insurance policy you’ve ever heard about? If not, and if you would like to learn more about it, Schedule here for a time we can discuss it in depth.
The basics of life insurance
We believe that more people would warm up to life insurance if they understood how it works and why one policy over another can benefit. In the material, you can learn about the main types of life insurance and why you might prefer to use one kind of life insurance over another. Click on the links below to bring up a summary of each.
Before you are ready to thoroughly discuss the different types of policies and which one may be a good fit for your situation, we recommend you click here to read a nice summary of the various aspects of life insurance policies.
Thank you, and I look forward to our scheduled meeting/call!
15 Minute - DIscovery Call/Meeting
Book a meeting with me for 15 minutes; you will have my undivided attention during this initial discovery call.
Initial Discovery Call: Investment Risk Management
Referenced Booking: Stock Market Crash Chart Publication
Thank you for reading my publication on my website. You can schedule an appointment here to discuss the investment diversification you may already have with your advisor and any questions regarding alternative risk management strategies that may suit you better.
Mortgage Services: Getting Pre-Approved
You will have my undivided attention to answer any questions about financing a new home, whether you are a first-time home buyer or a seasoned homebuyer looking for a second home/investment or rental property.
Completion of the items below will allow for a productive meeting/call,
- Completion of the initial mortgage loan application: Access Application Portal
Initial Discovery Call: Retirement Planning Diversification FIA's
Referenced Booking:
Thank you for reading my publication on my website.
You can schedule an appointment here to discuss the investment diversification you may already have with your advisor and any questions regarding alternative risk management strategies that may suit you better.
Initial Discovery Call: How to use an LLC inside an IRA to Control your Asset
Referenced Booking:
Thank you for reading my publication on my website.
You can schedule an appointment below to discuss your specific case with us and see if leveraging an LLC inside an IRA is right for you.
Initial Discovery Call: Request your Personal Risk Capacity and Risk Tolerance Score
Referenced Booking:
Thank you for reading my publication on my website. You can schedule an appointment here to understand your personal risk capacity and risk tolerance score and see if the current diversification of your investment portfolio is aligned appropriately.
Mortgage Services: Getting Pre-Approved
You will have my undivided attention to answer any questions about financing a new home, whether you are a first-time home buyer or a seasoned homebuyer looking for a second home/investment or rental property.
Steps in Getting Pre-Approved (effective 12/31/2022):
Completion of the items below will allow for a productive meeting/call,
1. Completion of the initial mortgage loan application: Access Application Portal
2. Commitment to pull a credit report: Effective 12/31/2024)
The 3rd-Party Credit Agencies have increased the cost of pulling a credit report to:
$100.00/ Individual Credit Report
$100.00/Joint Credit Report
This amount is collected from the applicant/you upon submission of the loan application (in step 1) by phone; you will additionally be provided with a confirmation of payment receipt.
This is the only way to review and determine qualifications to obtain a pre-approval letter.
3. Upload all requested documentation—This will be ordered directly through the application portal (shortly after completing the loan application).
Link to the Application Portal (please save this URL)
3. Rate locks are unavailable until you have a confirmed and fully executed contract agreement with a confirmed closing date on the contract. I will provide an estimated interest rate of .250% (on average) above the market rate.
Once the contract is executed and received, we can look at the TRUE market rates, but until then, the rates will not be relevant. See the last paragraph regarding rate-lock conversations.
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Rate Lock Topic/ Policy
Given the current mortgage interest rate volatility, time will not be allocated towards the discussion of where interest rates are and consideration of shopping unless you have an executed contract agreement with a confirmed date of closing scheduled. In short, any lender you contact without a commitment will verbally, even in writing, send you a 2% below market rate quote, knowing you are only shopping...this will only create more confusion, which is why this policy is enforced.
Additionally, Rate locks are a commitment to deliver to the specific investor within the rate lock window in which we lock-in, and failure to do so results in penalties and fees incurred by the loan applicants and the originating broker in the form of rate lock extension fees/failure to deliver.
Initial Discovery Call: Life Insurance Planning (Motorcyclist)
Life Insurance
Most people do not like purchasing life insurance, but it is the primary foundation of any financial planning strategy. That is why we take pride in educating our clients to understand the benefits of various life insurance options, how to benefit from specific policies while living, and how to ensure they are covered with the necessary amount in the event of an untimely passing.
Thank you, and I look forward to our scheduled meeting/call!
