Ultra Safe, High Rate Fixed Returns Available Through New "Income Stream" Trading Platform

August 17, 2014

Hedge Funds and Institutions have been buying Structured Settlements and other "Income Stream" products for nearly a quarter century and have earned consistent double digits returns with little or no risk. 

According to a group of California businessmen, this very lucrative investment alternative will now be available on a large scale to individual investors through a new Trading Platform.

Palm Desert, California August 7, 2014 --Sitting in a California Office, a group operating under the name Elmwood Capital Partners, Inc. is putting the final touches on a landing page that they say will ultimately be the worlds' first "Income Stream" Trading Platform. www.IncomeStreamExchange.com

One of the Company's security and due diligence officers, T Allen Dyer explains "There is a large void in the fixed interest investment market, particularly for seniors and other conservative investors who are desperate to find alternatives to poorly performing bank CD's, bonds, treasuries and other traditional fixed interest vehicles in order to counteract inflations drag on their moneys' purchasing power" according to Dyer.

Dyer has been involved in the structuring and marketing of new investment offerings for more than 25 years. As an outside consultant, Dyer maintains an "arms length" distance from the people and companies he consults for; his job description includes structuring, marketing and risk identification for new offerings and growth organizations. 

What is an "Income Stream" product and how are these high returns possible without a lot of risk?

An Income Stream is defined as a set of consecutive payments made under of contract most often associated with one of three things 1) an income paid to a litigant from an Insurance Company to settle a law suit 2) an older annuity from an Insurance Company which pays a retiree a periodic payment or 3) a lottery pay-out paid to a lottery winner by a State Lottery Commission. 

Income Streams also come from workman compensation cases, wrongful death suits, medical malpractice suits, employment settlements and environmental settlements.
Income Stream products pay under a number of different pay out scenarios including, monthly, quarterly, semi annually and annually or deferred payments as an alternative to a single large payment.
An Income Stream can be bought and sold like any other asset but, in this case, it is done in front of a Circuit Court Judge at the sellers expense.

To avoid a 40% penalty tax, Income Stream products must be purchased in court supervised, court approved transactions to ensure the seller is not taken advantage of or lose their ability to support themselves if they elect to sell their stream of payments for a lump sum.

This practice also ensures the Income Streams are legitimate and pass unencumbered to the new owners. 

Dyer says an example of an actual Income Stream (in the Company's current inventory) from Allstate has a purchase price of $999,216.94. The Income Stream pays out $2,492,786.88 on a monthly basis over 21.5 years. That's a 6.71% fixed return. Dyer also points out that very little of the return will be taxable as a large portion of the monthly income is considered a return of principal. 
Dyer continues "To date, we are unaware of any Insurance Company or State Lottery Commission which has failed to pay their scheduled payment obligation so they are historically very, very safe."

The larger the difference between what the buyer pays as a lump sum and the Income Stream's total pay out, the larger the return for the new owner.

Since Income Streams must survive a court mandated transfer process, the Trading Platform will be  relieved of any obligation or expense to perform due diligence.

According to Dyer "I would think that having a Circuit Court oversee the transfer should make investors very comfortable."

How many of these Structured Settlements, Income Annuities and Lottery Settlements are floating around?

In the United States, approximately 15 million civil suits are filed annually with Americans spending twice as much money each year on civil litigation as is spent on new automobiles. 

Many of these suits, particularly personal injury suits are resolved as Structured Settlements. 

Structure Settlements, Income Annuities and Lottery Settlements are good for people who may lack the sophistication to invest a large sum of money wisely or for individuals who do not have other sources of income to support themselves; for others, an "Income Stream" may be restrictive or unwanted.

Most people have seen the JG Wentworth commercials with the jingle "I have a structured settlement and I need cash now" or "I have an annuity and I need cash now."

In 2011, JG Wentworth and Peachtree Financial Solutions (just two of the funding sources buying these instruments) merged with 9 billion in future payment obligations already under contract.

According to Dyer "Companies like JG Wentworth and Peachtree and the Hedge Funds that fund them earn huge returns as there has been no competition and, until now, few options for people interested in selling Income Streams could go to get competing bids".

"It is our belief that for every person selling an Income Stream who wants a lump some, whatever the dollar amount or pay out period, there is an older individual investor, wealthy investor, family office or bank, etc. who would love to be earning a safe, consistent, tax favored return of between 5% and 8% or more with little more to worry about than cashing their monthly check."

This new Trading Platform according to Dyer, "Gives people with unwanted Structured Settlements, Income Annuities and Lottery Settlements the opportunity to sell for a higher market based cash price and gives investors of all types access to competitive returns locked in for long periods of time.

Individual investors should also know that Structured Settlement, Income Annuity and Lottery Settlements that are purchased for a lump sum cash payment receive preferential tax treatment over other fixed income products as the bulk of the payments received are considered a return of principal and are therefor not taxable and that when they make their purchase of an Income Stream it will be accompanied by a reporting schedule which identifies the taxable portion of each payment.

Dyer continues "The wonderful thing about Structured Settlements is, they come in all sorts of sizes and payment scenarios to fit any need or want."

This Income Stream Exchange can be accessed by visitors without expense and the platform will not offer advice or handle money.

To learn more without obligation or to schedule an interview visit www.IncomeStreamExchange.com  or phone direct 888-666-2352.