Zerafa Financial helps business owners and real estate investors increase liquidity, gain more control over their money and protect what matters most. USTech.Ninja helps protect the devices, accounts, and information they rely on to run their businesses.
A financial strategy should account for both your money and the systems you use to manage it. Here is how Zerafa Financial and USTech.Ninja can help.
Having money available when you need it can give you more options in your business and personal life.
Chris Zerafa and his company Zerafa Financial help clients set up whole life policies designed to maximize the cash value inside the policy. That cash value is safe, liquid and can be accessed tax free.
Policy loans give you quick access to cash whether that be for a business need, real estate opportunity, or other emergency. There is no credit check, doesn't affect your DTI and you can repay the loan completely on your terms. There is no fixed repayment schedule.
Your cash value compounds continuously regardless of policy loans outstanding. You have creditor protection over your cash value. In Arizona, 100% of your cash value is shielded from lawsuits & judgements.
The right coverage can help protect the people who depend on you and the business you have built.
Life insurance can provide tax free money to your family if you die. Chris can help review your existing coverage and identify any gaps.
Coverage may help fund a buy-sell agreement, protect against the loss of a key person, or support benefits for key employees.
Chris works alongside your CPA, attorney, and other advisors to explore how life insurance may fit into your long-term plans.
Business owners handle sensitive records and move money through accounts that need protection.
USTech.Ninja can help businesses review how they store and share financial records, tax documents, and other sensitive information.
Verification steps and account security can help reduce the risk of fraudulent emails, changed payment instructions, and unauthorized access.
USTech.Ninja provides IT support, monitoring, and cybersecurity services to help businesses protect their devices, accounts, and data.
Zerafa Financial is a financial services firm focused on risk management and specializing in Infinite Banking. We help protect your income, family, business, retirement, and legacy through personalized risk management strategies. USTech.Ninja provides managed IT and cybersecurity services for growing businesses.
Connect with the person who handles the area you want to discuss.
Talk with Chris about your goals, current financial strategy, and areas where you may be able to improve protection, liquidity, and control over your money.
Talk with Joseph Greenbaum about your business technology, security concerns, and where you may need support.