Retirement income
Build another source of future income alongside the wealth you have already created.
COMMONWEALTH LEGACY GROUP / STRATEGIES
Put what you’ve built to work.
A home with equity. Income with potential. A business ready for its next move. Explore four CLG strategies that connect what you have today with what you want to make possible.
01 / PREMIUM-FINANCED LIFE INSURANCE
In partnership with Stream Protection Plan
CLG Leveraged Wealth Strategy
Put more capital behind the future you’re building.
Your goals may reach beyond what you want to fund entirely out of pocket. CLG Leveraged Wealth Strategy explores how lender-funded premiums can work alongside your contributions to support life insurance designed around retirement income, family protection, or the next generation.
Your funding capacity, time horizon, and family goals guide the design. Together with Stream Protection Plan, we explore a financing structure that does not require you to pledge outside personal assets.
THE COLLATERAL DIFFERENCE
- No outside personal assets pledged.
- No personal guarantee on the bank financing.
- No future outside-collateral calls.
For qualifying accredited investors, including parents and grandparents exploring a longer-term family strategy.
Explore leveraged wealth →ONE STRATEGY. DIFFERENT POSSIBILITIES.
What could this make possible for you?
Children & grandchildren
Start early for the milestones ahead: education, a first home, a business, or a lasting family legacy.
Business owners & planned exits
Connect a future business sale with family protection and the income you want after the transition.
Executive benefits
Explore a tailored life insurance benefit designed to reward and retain the people who matter to your business.
Physicians & high earners
Put strong earning years behind a longer-term plan, including when a demanding career meant starting later.
Property owners & family legacy
Explore life insurance alongside property holdings, with benefits that can help your family preserve what you have built.
BUILT TO BE EXAMINED
What if the first five years credited 0%?
A sample Stream illustration tests five consecutive years of zero indexed interest crediting before returning to a 6.84% illustrated rate. The comparison makes the effect on timing visible.
Age 65
Income starts in the base illustration.
Age 78
Income starts in the five-year stress scenario.
Illustrative scenario, not a guaranteed outcome. See the sample assumptions
The zero-crediting assumption is not a zero-cost assumption; policy charges and financing costs still apply. These are sample projections, not a client result or a promised return. Your own illustration and funding plan are reviewed together.
Source: Stream sample illustration, Benefits Overview, page 3, prepared September 25, 2026.
02 / MORTGAGE ACCELERATION
CLG Mortgage Freedom Strategy
A shorter path to a paid-off home.
Your mortgage has a schedule. That doesn’t mean it has to define yours. CLG Mortgage Freedom Strategy explores how your home equity, available cash flow, and insurance planning could work together toward paying off your mortgage sooner.
For the right household, that conversation may include a home equity line of credit alongside participating whole life or indexed universal life insurance. We start with your actual mortgage and monthly cash flow—not a one-size-fits-all payoff date.
WHAT WE EXPLORE
- Explore a shorter mortgage timeline.
- Give surplus cash flow a clear purpose.
- Connect your home payoff goal with family protection.
A useful starting point: a 700+ credit profile, meaningful home equity, and consistent income left after expenses.
Explore mortgage freedom →03 / DEBT & RETIREMENT COORDINATION
CLG Debt-Free Retirement Strategy
Less going out. More life ahead.
What could change if more of your income belonged to your future? CLG Debt-Free Retirement Strategy connects a plan for reducing debt today with a plan for the income you want in retirement.
We look at debt payments, available cash flow, Social Security, Roth accounts, and cash-value permanent life insurance together. The goal is a thoughtful sequence: reduce the obligations weighing on your income, then put the breathing room to work for what comes next.
WHAT WE EXPLORE
- Create a clear order for reducing debt.
- Connect today’s progress with tomorrow’s income.
- Explore a more tax-efficient mix of retirement income.
For households ready to connect debt reduction with the bigger retirement picture.
Explore debt-free retirement →04 / CASH-VALUE-BACKED BUSINESS LIQUIDITY
CLG Cash Value Capital Strategy
Be ready when opportunity won’t wait.
An equipment purchase. A new location. A chance to buy the right business. CLG Cash Value Capital Strategy explores how the cash value in permanent life insurance can support access to capital before the next opportunity arrives.
A cash-value-backed line of credit uses eligible policy value as collateral for credit from an outside lender. We help you explore how an existing policy—or a policy built over time—could fit a broader liquidity plan for your business and family.
WHAT WE EXPLORE
- Plan for capital needs before they become urgent.
- Explore credit backed by eligible policy cash value.
- Connect business flexibility with long-term protection.
For business owners looking to build a deliberate liquidity strategy around eligible permanent life insurance.
Explore cash value capital →YOUR NEXT CHAPTER
You don’t need to choose a strategy first.
Bring the goal. We’ll help connect the pieces. Start your Legacy Planning Blueprint to share your priorities and take the next step toward a conversation.
Start your Legacy Planning Blueprint →