Wise Sapphire

What Is a Protected Reserve?

A protected reserve is a dedicated portion of your financial portfolio designed to serve multiple purposes:

• Emergency fund
• Opportunity fund (for investing or business)
• Retirement supplement
• Wealth transfer or legacy planning

Unlike a typical savings account, a protected reserve is structured to offer safety, accessibility, and tax-advantaged growth.

Why You Need One:

1. Life Is Unpredictable: Job loss, health issues, or market downturns happen. Be ready without liquidating long-term investments.
2. Opportunity Readiness: Whether it’s a business deal or real estate investment, quick access to funds can be your edge.
3. Peace of Mind: Knowing you have a financial cushion helps you make confident, long-term decisions.

Features of Our Reserve Strategy:

• Principal Protection: Your money is safe from market downturns.
• Tax Advantages: Potential for tax-deferred growth or tax-free access (based on strategy).
• Liquidity: Access your money when you need it, without penalties.
• Multi-Use Structure: Can be used for healthcare, education, legacy, or supplemental retirement income.

How We Build It: We tailor the reserve to your goals using a blend of financial tools, which may include:

• Indexed universal life insurance (IUL)
• Fixed annuities
• Cash value structures
• Health savings integration

Each component is designed to offer certainty over speculation, and flexibility when you need it most.

Is This Right for You?

If you’re a:

• Young professional building a strong foundation
• Business owner wanting flexibility
• Retiree seeking protection and liquidity

…then this solution can be the core of your financial safety net.

Let’s Start Building Your Reserve Your future deserves a strategy that balances growth and protection. Let’s talk.