Life Protection | Retirement Planning | Asset Optimization Strategies
Our Mission
We have an unwavering commitment to help our clients build, protect, enjoy, and preserve their wealth by delivering unbiased, ethical, and fiduciary-driven financial advice that puts their best interests first.
What We Specialize In
We design business-funded financial strategies that offer long-term protection and opportunity — helping clients access smarter, tax-efficient tools.
Our Value Proposition
Whether you're reducing tax liability or building tax-free retirement income, we create personalized financial solutions that meet you where you are — and take you where you want to go.
Our Core Services
Turn Income Into Tax-Free Wealth
Intelligent strategies for business owners, executives, and professionals — designed to reduce taxes, protect assets, and build lasting legacy.
💡 Explore IRC 162 Executive Bonus PlanTailored plans for business owners and executives.
Custom strategies for personal retirement and legacy.
CHANDO GLOBAL GROUP
1315 East Blvd, #323
Charlotte, NC 28203
Tel: 704-681-4772 | Fax: 704-684-5540 | Email: [email protected]
Copyright © 2025 Chando Global Group LLC. All rights reserved.
DISCLAIMER! Our materials are primarily intended for educational purposes. Consult with your tax, legal, or licensed financial professional before making a decision based on these materials.
Life Protection | Retirement Planning | Asset Optimization Strategies
Why Trust Us?
We Keep It Simple.
It can be overwhelming and confusing to sift through and make sense of the ever-expanding mountains of information - and the jargons, too - on complex life insurance financial instruments. We get it. That’s where we come in.
We Are Transparent.
We take the time to get to know you, your goals, and what matters most to you, your family, or business. We don’t believe in cookie-cutter strategies or one-size-fits-all financial advice. Rest assured, you will always get tailored advice and solutions from us.
We Are Candid And Responsive.
Our clients say they stick with us because we are candid, responsive, and always in their corner. That is a true reflection of our operating model.
How We Operate.
We start by getting to know you —your goals, your challenges, and what you really want to achieve financially. Whether you’re a business owner or an individual looking to grow and protect your wealth, we take the time to understand what matters most to you.
From there, we introduce financial solutions that are aligned with your vision — no cookie-cutter plans, just smart strategies designed around you. When you're ready to move forward, we help recommend, design, and implement the best-fit financial instruments for your needs.
And here's the best part: our services are completely FREE to you. We’re compensated by the top-rated financial and insurance companies we work with—not by our clients. That means our advice stays focused where it should be: on your success.
CHANDO GLOBAL GROUP
1315 East Blvd, #323
Charlotte, NC 28203
Tel: 704-681-4772 | Fax: 704-684-5540 | Email: [email protected]
Copyright © 2025 Chando Global Group LLC. All rights reserved.
DISCLAIMER! Before making any decision using our educational materials, consult with one of our financial strategists or a licensed financial professional of your choice.
Life Protection | Retirement Planning | Asset Optimization Strategies
Learning Resources
Strategic Tax & Insurance Planning Resources | Chando Global Group
📘 Core IRS Tax Code References for Business Planning
📈 Wealth Strategies, Executive Bonus Plans, and Case Studies
Strategic Executive Bonus Plans for Business Owners | IRC §162
Optimized Rollovers from Qualified Retirement Accounts
Buy-Sell Agreements with Life Insurance
Key Person Insurance Strategies for Business Protection | Case Study
Supplemental Retirement for Business Owners
Investing in Your Child’s Financial Future
💼 Retirement Planning, Cash Balance Plans, and Annuities
🛡️ Insurance-Based Wealth Protection Strategies
CHANDO GLOBAL GROUP
1315 East Blvd, #323
Charlotte, NC 28203
Tel: 704-681-4772 | Fax: 704-684-5540 | Email: [email protected]
Copyright © 2025 Chando Global Group LLC. All rights reserved.
DISCLAIMER! Consult with your legal or tax advisor before making any decision based on the tax-related educational materials here.
Life Protection | Retirement Planning | Asset Optimization Strategies
Wealth Preservation Meets Life Protection—All Funded (Tax-Efficiently) by Your Business
Use IRC §162 Executive Bonus Plan to reduce business tax burden and fund your own tax-advantaged wealth — while also rewarding key employees.
Why Choose the Executive Bonus Plan?
How It Works in 4 Simple Steps:
Company pays you bonus
Bonus is used to fund cash value life insurance policy
Business deducts the bonus 100%
Policy grows and builds cash value tax-deferred
You’ll Love This If You’re A...:
Case Study: Sean Wright, Owner-Employee of MyRhys Inc.
Business Owner Profile
Sean, 46, runs a profitable C-Corp (MyRhys Inc.). He qualifies for a $150K executive bonus annually and is in good health.
Policy Strategy
$5M permanent life policy with living benefits (critical/chronic illness & LTC). Designed for income-tax-free retirement & estate strategy.
Tax-Efficient Funding
MyRhys pays $150K premium + $50K gross-up bonus to Sean. Full $200K deducted under IRC §162.
Financial Outcome
After 10 years, Sean builds $1.4M+ in tax-deferred cash value — with flexible, tax-free access for retirement, reinvestment, or legacy.
“This strategy didn’t just reduce our business taxes — it created a smart, flexible path for retirement and legacy planning I control.”
Sean Wright, CEO of MyRhys Inc.
Frequently Asked Questions
Is this IRS-compliant?
Yes. IRC §162 allows businesses to deduct reasonable compensation, including bonus payments used to fund life insurance for employees.
What if I need the funds later?
You can access the policy cash value anytime via loans or withdrawals — often tax-free.
Is there a minimum bonus amount?
Plans are flexible. Plans typically start with a $10,000 annual bonus, though high-income strategies often use $50K to $200K or more for maximum impact.
Can I offer this to my employees?
Absolutely. You can extend this benefit to key team members to increase retention, especially when paired with a vesting or restrictive agreement.
What kind of policy is used?
We typically recommend a high-quality, well-structured, max-funded indexed universal life (IUL) or whole life policy with strong cash value growth and robust living benefits - riders for long-term care (LTC), critical, chronic, and terminal illness.
What Other Business Owners Are Saying
"This strategy isn't just about compensation — it's about reengineering how value flows from my business to my family, my future, and the next generation. It's a smarter, intentional move that aligns with the vision I have for lasting impact."
— Founder, Real Estate Development Firm
"By leveraging this structure, I turned taxable income into a protected, tax-advantaged asset. It’s one of the rare financial moves that strengthens both my immediate balance sheet and my long-term wealth architecture."
— CFO, Regional Medical Group
IRC §162 Executive Bonus Plan for Business Owners
Reduce Taxes. Build Tax-Free Wealth. Reward Yourself Smarter.
Use your business to fund permanent life insurance that grows tax-free, provides living benefits, and creates legacy — all with a 100% tax-deductible bonus.
Trusted by Top-Tier Insurance Carriers
Life Protection | Retirement Planning | Asset Optimization Strategies
Now Hiring Across the U.S.
A New Career Starts Here
At Chando Global Group, we’re more than an insurance company — we’re a people-first organization. If you’re driven to make a difference and ready to build a meaningful career, you’ve come to the right place.
Why You'll Love Working With Us
- No Experience Needed — We Train You
- Flexible Schedule — Work on Your Terms
- Growth-Driven Culture & Team Support
- Unlimited Earning Potential
- Team-First, Inclusive Environment
- Make a Real Impact Helping Families
Whether you’re just getting started or bringing years of experience, we offer the tools, training, and support to help you thrive.
I’m Interested – Let’s TalkLife Protection | Retirement Planning | Asset Optimization Strategies
Retire Smarter—Without Risking What You've Built
If you’ve worked hard to build your retirement nest egg, you shouldn’t have to gamble it on the stock market rollercoaster. As you move from accumulation to preservation and income, one question matters most:
“How do I protect what I’ve earned and still make it grow?”
Rolling over funds from a qualified plan like a 401(k)/SEP-IRA/etc into a Fixed Indexed Annuity (FIA) offers a uniquely compelling opportunity and a high-confidence answer:
- ✅ Principal Protection with Growth Potential:
Earn interest based on the performance of an index (like the S&P 500), without ever risking your original investment to market downturns. - ✅ Tax-Deferred Growth:
Let your money grow uninterrupted—free from annual tax erosion—just like your 401(k). - ✅ Guaranteed Lifetime Income:
Create a dependable income stream you can never outlive—no matter what the market does. - ✅ Tailored Living Benefits:
Add features like income riders, liquidity access, and legacy benefits to suit your personal and family goals. - ✅ Market-Like Gains, Zero Market Losses:
Capture index-linked growth—without taking on index-linked risk. In times of volatility, this is your peace-of-mind play.
💡 The Bottom Line
This isn’t playing it safe. This is playing it smart.
A properly structured FIA isn’t just about defense—it’s a deliberate move toward clarity, confidence, and control in retirement.
💬 Client Testimonial: From Orphaned 401(k) to Strategic Growth
“At 50, I had nearly half a million dollars ($478,000) sitting in an old 401(k) with Vanguard—untouched, unmanaged, and exposed to market swings. I wasn’t comfortable leaving my retirement up to chance, especially with so much uncertainty out there.
In November 2022, I rolled the full balance into the Athene Performance Elite® 10 Plus, a Fixed Indexed Annuity. Not only did I receive a 20% sign-on bonus (an extra $95,600 instantly added to my account), but I also had immediate access to 10% of my accumulated value—without penalties or delays.
I chose a diversified crediting strategy using the 2-Year Point-to-Point options with no charge across three powerful indices: BNPIMAD5, BIFANFCC, and BOFANFCC.
Fast forward to my second anniversary in November 2024: I locked in a 23.5% rate of return. I couldn’t believe it—nearly a quarter growth in a vehicle that shields my principal from loss. Was it an anomaly? Maybe. But it was real. And it happened because I positioned myself strategically—not emotionally.
I no longer worry about market corrections or missed opportunities. I sleep better knowing my retirement is protected and still growing.”
— Mark R., Charlotte, NC | Business Consultant & Father of Two
Life Protection | Retirement Planning | Asset Optimization Strategies
Life Insurance as a Living Asset | Strategic Tax-Advantaged Wealth Planning
🛡️ Life Insurance: A Financial Asset
A Smart Addition to the Modern Wealth Portfolio
Most people think of life insurance as just a death benefit. But for financially savvy professionals, it can serve as a living asset—one that provides tax advantages, cash value growth, and strategic leverage.
Here are the primary types of life insurance that go beyond basic protection:
🔹 Term Life Insurance
Simple Protection – No Frills
- ✔️ What it is: Affordable, time-limited coverage (e.g. 10, 20, or 30 years)
- ✔️ Who it’s for: Income replacement, debt protection, or temporary needs
- ✔️ Financial role: Pure insurance—no cash value or asset growth
- ✅ Pro: High coverage at low cost
- ❌ Con: No accumulation or return if the term ends without a claim
🔹 Whole Life Insurance
Stability + Guaranteed Growth
- ✔️ What it is: Permanent coverage with guaranteed death benefit and growing cash value
- ✔️ Who it’s for: Those seeking predictable, conservative long-term growth
- ✔️ Financial role: Cash value acts like low-volatility, tax-deferred savings
- ✅ Pro: Fixed premiums, guaranteed returns, potential dividends
- ❌ Con: Higher initial cost, slower cash growth early on
🔹 Indexed Universal Life (IUL)
Flexible Growth with Market-Linked Potential
- ✔️ What it is: Permanent insurance with flexible premiums and index-linked cash value
- ✔️ Who it’s for: Professionals seeking upside potential without market downside
- ✔️ Financial role: Tax-advantaged accumulation with policy loan access
- ✅ Pro: Index-linked growth potential + downside protection
- ❌ Con: Performance depends on crediting strategy and caps
🔹 Variable Universal Life (VUL)
Market-Based Growth with Insurance Backing
- ✔️ What it is: Permanent coverage with cash value invested in subaccounts
- ✔️ Who it’s for: Growth-oriented professionals comfortable with market risk
- ✔️ Financial role: Tax-advantaged asset with direct investment control
- ✅ Pro: Unlimited growth potential
- ❌ Con: Market risk and more complexity
⚙️ Strategic Use Cases:
- 💡 Tax-Free Retirement Income (via policy loans)
- 💡 Private Wealth Accumulation
- 💡 Legacy & Estate Planning
- 💡 Executive Bonus or Business Continuity Strategies
✅ Bottom Line
Life insurance isn’t just about what happens after you’re gone. It can be a strategic, living financial asset with long-term value, tax advantages, and planning power—especially for individuals focused on wealth preservation and transfer.
💬 Real Clients, Real Results
"I never thought of life insurance as an investment tool until I learned how my IUL policy could grow tax-deferred and fund my retirement. It's now the most stable part of my portfolio."
– Paul E., Physician & Practice Owner
"We used a life insurance strategy - IRC 162 Executive Bonus Arrangement - to reduce our business taxes and create a smart, flexible path for retirement and legacy planning."
– Sean W., Tech Startup CEO
"As a high-income earner, I was maxing out my 401(k) and needed something more strategic. My advisor showed me how a properly structured indexed universal life (IUL) policy fits into a long-term wealth plan. Game-changer."
– Edwin N., Corporate Attorney
Life Protection | Retirement Planning | Asset Optimization Strategies
Why Clients Trust Chando Global Group
Discover what professionals, business owners, and families are saying about working with one of the nation's top insurance and financial planning agencies.
See the Stories💬 Client Testimonials
Real reviews. Real results. Built on trust, transparency, and financial confidence.
"Chando Global Group made everything easy. I sleep better knowing my family’s future is protected and my retirement plan is solid."
— Solange Y., Nurse
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" “Working with Chando Global Group was a game-changer for both my business and my personal financial future. As a business owner who’s also on payroll, I had no idea I could set up an executive bonus plan that was fully tax-deductible to my company and still build personal, tax-free retirement income. They handled everything—from plan design to funding strategies—with total professionalism and clarity. I’m now rewarding myself like a true executive, while lowering my business tax liability. This wasn’t just a financial move—it was a smart business decision.”"
— Phil N., Tech Founder
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"I never thought life insurance could be a financial asset. This team opened my eyes and set me up with a powerful plan."
— Gwen T., Small Business Owner
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