Philosophy

There is no sure thing in investments.

History tells us that taxes will rise over time, regardless of temporary reductions.

Property values should rise, but will they?

Howard Silvermintz believes that the safest road to financial certainty starts with maintaining as much liquidity as possible and with leveraging insurance products to make sure the money lasts all the way through retirement.

His philosophy allows you to grow your money and use it at the same time:

  • it’s creditor proof (in Georgia)
  • when you die, there will be something to be passed on
  • if you get sick or hurt, the contributions can continue
  • money grows tax deferred
  • money is tax free if borrowed (under current tax code)
  • you’ll receive a competitive rate of return (compared to other investments)
  • the value is assured – no fluctuations with the economy
  • your cash is liquid – available for your use and control

This likely sounds very different from other advisors you’ve met. Let Howard explain how it can simplify your planning and ease your worry about the future.


Are you ready to take the next step and speak with a financial professional?


For decades insurance has been a necessary evil – a piece of financial protection that wise individuals won’t live without. And while it’s always been considered part of “financial planning”, most of the planning relates to the individual becoming disabled or meeting an untimely death and making arrangements for the family’s financial security if the unthinkable occurs.

Now families, individuals and business owners can add insurance products to their active financial planning tool kits –to improve their lifestyles, to increase their own net worth, and to enjoy life and prosperity even while they plan for retirement.

Learn more about the Circle of Wealth and the positive impact insurance products can have right now — not only when the unthinkable happens.

Discover a new way to look at saving.


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Guide Your Business. Protect Your Key People. Learn and Implement The Financial Strategies Of The Wealthy.

Tier One Capital of Georgia, LLC will help you learn more about Group Health Insurance and Business Continuation Insurance.