When we say "Wholesale Income™" we refer to period certain, fixed-term payment streams that are purchased in a secondary market transaction, at a discounted, wholesale price that is normally available only to industry insiders.

These discounted payment streams have also been called "‘Secondary Market Annuity Contracts", "Settlement Contracts", "SMA Contracts", and several other names. These are NOT retail annuity contracts. The bottom line? These are the best safe money assets available on the planet today.

These payment streams belong to individuals who seek to sell their future payments in exchange for cash today in a ‘factoring’ transaction. Typically, the payments are guaranteed and period certain payments awarded to individuals in structured settlements. The right to receive these insurance-company-backed future payments is transferred in a court-ordered and highly-regulated process.

In addition to factored structured settlements, sometimes Wholesale Income™ contracts may also refer to in-force period certain annuities or a lottery prize payout. In any situation, these pre-defined, fixed term income streams offer a higher yield because the future payments are sold at a discount.

The vast majority of Wholesale Income™ payment streams we sell, and on which we focus with this website, come from structured settlements, whereby the original payee/ recipient decides to sell their future payments for cash today. Through a court-ordered assignment process, purchasers acquire the right to receive the existing payment stream from the current recipient of the income. This discounted sale transaction creates an opportunity for a profitable, safe investment in an in-force payment stream.

Wholesale Income™ contracts are guaranteed payment streams backed by  top-rated, multi-billion-dollar companies like New York Life, Metlife, Berkshire Hathaway (Warren Buffet's company) and many more. These are NOT retail annuities, but specially created payment streams created to fund settlements from court cases, typically over many years. Some settlements pay over 40 years or even longer. Due to some life change, the individual receiving payments sells a portion of their future payment stream for cash now.  Purchasers acquire the right to receive payments from these existing and in force annuities, and the payments occur over a specific period of time and offer a fixed rate of return.

This investment in secondary market discount immediate  payment streams with wholesale pricing is considered to be one of the best vehicles for safe-money portfolios.

The insurance companies that offer these fixed and period certain payments are highly rated by Standard & Poor’s and other agencies for claims paying ability. This makes the Wholesale Income™ payment streams we offer one of the highest yielding, and safest fixed income assets available today.

Yields on Wholesale Income™ payment streams are higher simply because the seller of the payment stream is willing to sell at a discount for cash today.

The seller benefits because they get the cash they want right away. When we purchase these contracts and place them in inventory, we pass along the discount wholesale pricing. Our clients benefit from that discount and receive a higher yield on the cash flow compared to comparable annuity or other income producing products available in the retail marketplace.

If you have questions in buying Wholesale Income™ For Retirement, please feel free to reach out to us.