BUILD. PROTECT. LEAVE A LEGACY.
Growth when the market rises. Protection when it falls. Income you can’t outlive. We design personal wealth strategies for families and business owners who want more than a savings account and less risk than the stock market.
✓ No cost, no obligation ✓ Licensed across the U.S. ✓ Personal blueprint, not a pitch
Premium bonus available on select indexed portfolios, credited from day one
BUILD. PROTECT. LEAVE A LEGACY.
Growth when the market rises. Protection when it falls. Income you can’t outlive. We design personal wealth strategies for families and business owners who want more than a savings account and less risk than the stock market.
Premium bonus available on select indexed portfolios, credited from day one
✓ No cost, no obligation
✓ Licensed across the U.S.
✓ Personal blueprint, not a pitch
premium bonus on select indexed portfolios
your indexed principal is never reduced by a market loss
optional guaranteed income you cannot outlive
growth and access strategies when properly structured
WHAT WE DO
Grow your money with upside linked to the market and a floor that protects what you've put in.
Guard your income, your family and your business against the things you can't predict.
Make sure what you've built transfers to the people you love, on your terms and tax-efficiently.
STRATEGIES
We start with what you want your money to do. Then we match it to the right tool.
FEATURED STRATEGY
FEATURED STRATEGY
Select carriers add a bonus of 10% to 30% to the money you place, credited to your account from day one. From there, your balance grows with a market index, with a 0% floor so a bad year in the market never reduces your principal. Add an income rider and you can turn it into a paycheck for life.
✓ Bonus credited on your initial premium, before any market growth
✓ Growth linked to indexes like the S&P 500, never invested directly in the market
✓ Optional guaranteed income for life, for you and a spouse
✓ Ideal for old 401(k)s, IRAs, maturing CDs and cash sitting idle
✓ Bonus credited on your initial premium, before any market growth
✓ Growth linked to indexes like the S&P 500, never invested directly in the market
✓ Optional guaranteed income for life, for you and a spouse
✓ Ideal for old 401(k)s, IRAs, maturing CDs and cash sitting idle
10–30%
premium bonus, depending on carrier and product
Illustration only: place $250,000 into a product with a 20% bonus and your starting account value is $300,000 before any index growth.
GROWTH + ACCESS
A cash-value account tied to a market index with an enhanced participation rate of up to 113%, a guaranteed floor, and tax-advantaged access to your money while you're alive. Includes a legacy benefit for your family.
Best for: earners who have maxed out their 401(k) or want a tax-free income bucket in retirement.
RETIREMENT INCOME
Turn what you've saved into predictable monthly income. We map out sequence-of-returns risk, required distributions and taxes so your retirement runs on a plan, not on hope.
Best for: anyone within 15 years of retirement, or already retired.
BUSINESS OWNERS
Reward yourself and your key people tax-efficiently. Executive bonus plans, key-person protection, buy-sell funding and owner retirement strategies that don't depend on selling the business.
Best for: LLC, S-Corp and C-Corp owners with consistent profits.
LEGACY
Make sure the people who depend on you are taken care of, and that what you've built passes to the next generation efficiently and privately.
Best for: parents, grandparents and anyone who has said "no family left behind."
COMPARE
Most people have their money in one of two places: too safe to grow, or too exposed to lose. There’s a third option.
COMPARE
Feature
Bank savings / CD
401(k) / brokerage
Baruch Financial LLC indexed strategy
Feature
Bank savings / CD
401(k) / brokerage
Baruch Financial LLC indexed strategy
Feature
Bank savings / CD
401(k) / brokerage
Baruch Financial LLC indexed strategy
Feature
Bank savings / CD
401(k) / brokerage
Baruch Financial LLC indexed strategy
Feature
Bank savings / CD
401(k) / brokerage
Baruch Financial LLC indexed strategy
Feature
Bank savings / CD
401(k) / brokerage
Baruch Financial LLC indexed strategy
HOW IT WORKS
No pressure, no jargon. Just a clear plan you understand.
A 30-minute conversation about where you are, where you want to be and what’s in the way.
30 MINUTES · VIRTUAL OR IN OFFICE
30 MINUTES · VIRTUAL OR IN OFFICE
We build your personal blueprint and show you the numbers side by side, including what a bonus would do for you.
WITHIN 1 WEEK
WITHIN 1 WEEK
We handle the paperwork, rollovers and carrier coordination. You sign, we do the rest.
2 TO 6 WEEKS
2 TO 6 WEEKS
Life changes. We meet at least once a year to make sure your plan still fits.
EVERY YEAR, FOR LIFE
EVERY YEAR, FOR LIFE
WHY BARUCH FINANCIAL LLC
Three words, one mission: no family left behind. We’re a family-founded firm in Plano with a simple belief that financial education shouldn’t be a luxury, and good strategy shouldn’t require a seven-figure net worth to get someone’s attention.
Education first
Our “Fighting Financial Ignorance” workshops teach how money, taxes and markets actually work before we ever recommend anything.
Independent access
We work with multiple highly rated carriers, so the strategy is matched to you rather than to a single company’s product shelf.
Local and reachable
A real office at 101 E Park Blvd, Suite 301 in Plano, real people who pick up the phone, and clients served across the U.S.
Free strategy session
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QUESTIONS
Select indexed portfolio carriers add a percentage of your initial deposit, commonly 10% to 30%, to your account value at the start. It’s a head start before any index growth. Bonuses usually come with a vesting schedule and a surrender period, which is why we show you the full picture before you decide.
With an indexed portfolio or indexed growth account, your principal is not reduced by a negative index year thanks to a 0% floor. You can still see reductions from fees, rider charges or early withdrawals, so we go through those line by line.
An indexed portfolio is built for retirement income and rollovers of money you already have. A market-linked growth account (indexed universal life) is built for ongoing contributions, tax-advantaged access while you’re alive and a legacy benefit. Many clients use both for different jobs.
In most cases, yes. A direct rollover into a qualified indexed portfolio keeps the money tax-deferred and there is no tax event when done correctly. We coordinate the transfer with your current custodian.
Most indexed products allow free withdrawals of a set percentage each year, typically 10%. Larger withdrawals during the surrender period may carry a charge. We only recommend placing money you don’t need to access in full in the near term.
The carrier pays us when a strategy is put in place. Our strategy sessions and blueprints are always free, and you’re never charged a fee for meeting with us.
VISIT US TODAY
101 E Park Blvd, Suite 301
Plano, TX 75074
Mon to Fri, 9:00 AM to 5:00 PM · Evenings and Saturdays by appointment
When you arrive: Come up to Suite 301 and ask for Baruch Financial LLC at the front desk.
Prefer virtual? Every strategy session is also available by video or phone.
When you arrive: Come up to Suite 301 and ask for Baruch Financial LLC at the front desk.
Prefer virtual? Every strategy session is also available by video or phone.
