Military Retirement Loan

Now You Can Exchange
Your Military Pension Payments
for a Lump
Sum of Cash
     ........
For other pension
types please visit
Other Pension Types

Our Program is the oldest and largest retirement loan (advance)funding source specifically for U.S. Military pensioners.
The only fully funded retirement program which exchanges future pension payments for immediate cash now!

Our program provides funding for military pension
payments and voluntary separation incentives(VSI).
All retired U.S. Military personnel are eligible.

We CANNOT purchase VA pensions where 100% of
the money the pensioner is receiving is from the VA. 

This program is NOT A LOAN. We will buy the next
eight years of your pension for a lump sum of cash

To Be Considered:
1) You must be fully employed or have
     other sources of income,

2) You must have "fair credit" a credit score of
    600 or better. (if you had a bankruptcy, we like
    to see 2 years pass from the time that the
    bankruptcy was discharged).

3) In all instances you must be retired from the Military.
    We generally require six months of retirement from
    the Military, however, we occasionally will consider
    pensioners with less time out of service, as long
    as there is stability in employment

4) You must be receiving a minimum of $400/month net
    or if it is a VSI , the minimum is $5000/year net.

5) You will need a copy of your most recent Retiree
    Account Statement or VA Award Letter, or VSI Earnings
    Statement. If you don't have  your statement,
    please call the DFAS at 1-800-321-1080
    or the VA at 1-800-827-1000 to have a copy mailed to you.

Contact us now for your FREE
no-nonsense appraisal of your pension payments

For an immediate quote. Please complete our
Military  Pension Advance Quote Form

Call Fred Coutts at
206-281-3153 or
1-888-942-6639
Fax # 206-378-1070
Email Fred@FredCoutts.com
Web: www.FredCoutts.com

Understanding the Time Value of Money
Frequently Asked Questions About
Our Miltary Pension Advance Program





 Below are some of the most
"FREQUENTLY ASKED QUESTIONS"
about our Pension Retirement Program.

How long does the process take?
Two weeks could pass to close some transactions.
Because other transactions include the purchase of new life
insurance, the time for funding could extend to three to four weeks.

Do I need perfect credit to qualify?
No. Perfect credit is not required, good credit is.

Do I need to own a home to qualify?
No. Home ownership is not required. In fact, stable renters
are often strong qualifiers.

Why Isn’t the amount of money paid to me
[the pensioner] equal to eight years
worth of retirement payments for an eight year contract?
Would you rather have 95 cents now or a dollar in one year? 70 cents
now or one dollar in three years? 40 cents now or a dollar in eight years?
The determining factor is the length of time. We are
purchasing future dollars that are not the same
value as current dollars. This evaluation is called "present value."
The time value, or present value, of future dollars is less
than their face value. The computer system considers all of
the payments to be received during the eight year contract
and then calculates the amount of the lump sum estimated payment.

What happens to the COLA (Cost of Living Adjustment) annual increases?
The COLA annual increases are used to pay down the life insurance premiums.
This is very useful since it negates any additional out of
pocket expenses for the pensioner. If insurance payments
are not required, on the first of each month, all COLA payments
are returned to the pensioner electronically, just as
his current pension payments are.

Can a relative or other person act as sponsor or guarantor?
In some cases, we have accepted a guarantor when the applicant did not meet the qualifications of the program. Strong credit and stable financial
history are mandatory for a pensioner as well as a guarantor.

Are there ways to repay the loan early?
This program is not a loan. The program is a contract for which
time is committed by the funding sources. Therefore, the contract
exchanges a lump sum of cash for a commitment
to pay future retirement payments when they are received, for a specific period of time.

Can I use existing life insurance to meet the insurance requirement, or must new insurance be purchased?
Any good insurance policy is acceptable even if it has been
in place prior to the closing of this transaction.

Are there any age limitations?
None at all. Only the cost of the required life insurance,
which is part of the pensioner's costs, impacts the economics of the transaction;
if insurance is already in place and the economics of the
transaction still appeal to the pensioner, any age will be accepted.

 
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A most common phrase is military retirement pay.