Skip to content

Bill Schantz

Bill Schantz is The Founder & CEO of Mid Atlantic Financial, LLC,

Bill Schantz, a distinguished Villanova University graduate, has carved a niche for himself in the world of finance. His introduction of life settlements to the capital markets through Senior Settlements, LLC was nothing short of revolutionary. Beyond this, as the driving force behind Mid Atlantic Financial, LLC, Bill has overseen its transformation into a market leader, reviewing vast face amounts monthly from a wide network. His collaborations with industry giants, coupled with his entrepreneurial ventures, showcase a career marked by innovation, leadership, and unwavering commitment.

Bill Schantz

Bill Schantz is the Founder and CEO of Mid Atlantic Financial LLC, a Maple Shade, NJbased corporation serving the life settlement sector. Established as Senior Settlements in 1998, Mid Atlantic has evolved into a diversified holding company with five independent entities focusing on life settlement and IRA rollover processes. Bill played a pioneering role in the life settlements market, making significant contributions to mainstreaming investments in this financial domain. His prestigious client relationships include entities like Deutsche Bank, Goldman Sachs, and Deloitte. An active member of the Life Insurance Settlement Association, Bill frequently attends Structured Finance events. Alongside his wife, Phyliss, he supports various charitable causes, including Noelle’s Light and the Wills Eye Hospital. A Villanova University alumnus, Bill is a devoted husband, proud father of five, and doting grandfather to 11 grandchildren.

Bill’s expertise extends to his involvement with Bedrock Capital Group, a firm operated by a specialized team with decades of experience in the life settlement industry. Bedrock Capital offers Florida residents opportunities to acquire interests in multiple life settlement insurance policies through Policy Shares™. The company was created by the same individuals at Senior Settlements, LLC, which pioneered the Life Settlement industry over two decades ago.

Select Policy Group is another testament to Bill’s dedication to the life settlement industry. Offering California residents the chance to acquire interests in multiple life settlement insurance policies, the company was also established by the pioneers of Senior Settlements, LLC.

Roth Right focuses on the benefits of Roth IRA conversions, emphasizing the potential for saving up to 40% on conversion taxes. The company’s financial planning experts provide clients with futurefocused illustrations and comparative financial analyses.

Lastly, Senior Settlements LLC stands as a beacon in the life settlement industry. Founded in 1998, it was one of the first companies to introduce Life Settlements to the Capital Markets. With a history of significant transactions, including a $200 MM+ sale to Deutsche Bank, Senior Settlements has been at the forefront of the secondary market for life insurance.

Introduction to IRA

Welcome to the intricate world of Individual Retirement Accounts (IRAs), a pivotal element in the domain of financial planning and retirement savings. In the contemporary financial landscape, IRAs stand out as a significant and powerful tool designed to secure one’s future. These accounts are not just mere savings accounts but are fortified financial instruments that allow individuals to invest in a plethora of options such as stocks, bonds, and mutual funds, aiming to accumulate wealth over time.

The essence of IRAs lies in their ability to offer individuals a structured approach to financial planning, enabling them to prepare for a comfortable and secure retirement. In today’s dynamic economic environment, where financial uncertainties are prevalent, having an IRA is synonymous with building a financial safety net. It empowers individuals to take control of their financial destinies, allowing them to navigate through various life stages with financial confidence and resilience.

Understanding the significance and functionalities of IRAs is crucial for anyone striving to achieve long-term financial stability and prosperity. It’s about exploring the opportunities that lie within the financial markets and leveraging them to build a robust retirement portfolio, ensuring a seamless transition into the golden years of life.

Bill Schantz's Expertise in IRAs

In the realm of Individual Retirement Accounts, Bill Schantz emerges as a beacon of knowledge and experience. With his profound understanding of IRAs and their intricacies, Bill has dedicated his career to guiding individuals through the labyrinth of retirement savings, enabling them to make informed and strategic decisions. His commitment to financial enlightenment and empowerment goes beyond mere advisories; it’s about instilling a sense of financial prudence and awareness, allowing individuals to align their retirement goals with their financial actions effectively.

Bill Schantz, with his extensive experience and innovative approach, has been a transformative force in the financial futures of countless individuals. His insights into IRA functionalities, investment strategies, and wealth accumulation are not just theoretical constructs but are derived from years of practical experience and continuous learning. He has been instrumental in demystifying the complexities of IRAs, making them more accessible and understandable for the common individual.

His relentless pursuit of financial excellence and his dedication to client success have established him as a trusted advisor in the field of IRAs. Bill’s approach is holistic; he delves deep into the individual financial landscapes of his clients, understanding their needs, aspirations, and risk tolerances, and crafts personalized strategies that are aligned with their retirement visions.

Bill Schantz’s expertise in IRAs is not just about financial planning; it’s about creating a legacy of financial wisdom and security. It’s about transforming lives through informed financial decisions and fostering a culture of financial responsibility and foresight. Through his guidance, many have embarked on a journey of financial self-discovery and have realized the potential of IRAs in sculpting a secure and prosperous future.

Benefits of IRAs

Individual Retirement Accounts (IRAs) are renowned for their myriad of benefits, with tax advantages being at the forefront. These accounts are structured to provide substantial tax reliefs, allowing individuals to maximize their savings and investment returns. One of the prominent tax advantages is the provision for tax deductions on contributions made to IRAs, enabling individuals to reduce their taxable income and thereby, their tax liability.

Moreover, IRAs offer the privilege of tax-free growth on investments, allowing the earnings and profits from investments to compound over time without the imposition of taxes. This feature is particularly beneficial as it enables individuals to accumulate wealth more efficiently, harnessing the power of compounding to enhance their retirement savings.

Beyond the tax incentives, IRAs are celebrated for their flexibility in terms of investment choices. They empower individuals to diversify their investment portfolios by choosing from a wide range of investment options such as stocks, bonds, mutual funds, and real estate. This flexibility is crucial as it allows individuals to tailor their IRAs to align with their financial goals, risk tolerance, and investment preferences, creating a customized retirement savings plan.

The ability to tailor IRAs to individual needs and aspirations is a testament to their versatility and adaptability. It underscores the importance of IRAs in facilitating financial independence and security, enabling individuals to navigate their financial journeys with confidence and foresight.

Types of IRAs and Their Requirements

When exploring Individual Retirement Accounts, it’s essential to delve into the different types available, each with its unique features, benefits, and eligibility criteria. Understanding the nuances of each type is pivotal in making informed decisions that resonate with one’s financial situation and retirement goals.

Traditional IRAs: These are characterized by their tax-deductible contributions and deferred tax on investment earnings until withdrawal. They are suitable for individuals seeking immediate tax relief and those who anticipate being in a lower tax bracket during retirement.

Roth IRAs: Roth IRAs stand out for their tax-free withdrawals in retirement, provided certain conditions are met. They are an excellent choice for individuals expecting to be in a higher tax bracket in retirement and those seeking tax-free income during their retirement years.

SEP IRAs: Simplified Employee Pension (SEP) IRAs are designed for self-employed individuals and small business owners. They allow for higher contribution limits compared to Traditional and Roth IRAs and offer tax-deductible contributions.

SIMPLE IRAs: Savings Incentive Match Plan for Employees (SIMPLE) IRAs are tailored for small businesses and offer both employer and employee contributions. They provide immediate tax relief through tax-deductible contributions.

Each of these IRA types has its eligibility criteria, contribution limits, and tax implications, making it imperative for individuals to assess their features and benefits meticulously. The importance of understanding each IRA type cannot be overstated as it lays the foundation for making the best choice that aligns with one’s financial landscape, retirement vision, and tax considerations.

Choosing the right IRA type is a journey of financial introspection and strategic planning. It’s about evaluating one’s financial standing, future income projections, tax implications, and retirement aspirations to select the IRA that offers the maximum benefits and aligns seamlessly with one’s life goals. 

Making the IRA Decision with Bill Schantz

Embarking on the journey of selecting an Individual Retirement Account (IRA) necessitates a thoughtful consideration of various critical factors. It’s about delving deep into the intricacies of IRA types, contributions, and withdrawal plans to sculpt a retirement savings strategy that resonates with one’s financial aspirations and lifestyle preferences. The decision-making process involves evaluating the tax implications, understanding the eligibility criteria, and aligning the investment choices with one’s risk tolerance and financial goals.

In navigating the complexities and nuances of IRAs, consulting with an expert like Bill Schantz becomes paramount. Bill Schantz, with his wealth of knowledge and practical insights, serves as a guiding light, enabling individuals to traverse the IRA landscape with clarity and confidence. His expertise in IRAs is instrumental in demystifying the multifaceted aspects of retirement savings and in fostering informed and strategic decision-making.

Bill’s approach is holistic and personalized. He engages with individuals to understand their unique financial situations, retirement visions, and investment preferences. He meticulously assesses their financial needs and goals to provide tailored advice and strategies that ensure optimal financial outcomes. The importance of having a seasoned expert like Bill Schantz in making IRA decisions cannot be overstated. It’s about leveraging his profound insights and experience to craft a retirement savings plan that is robust, flexible, and aligned with one’s financial aspirations.

Potential Scenarios and Case Studies

To illustrate the transformative impact of Individual Retirement Accounts (IRAs), let’s delve into hypothetical scenarios that showcase the benefits of different IRA types for individuals at various life stages and financial standings.

Early Career Roth IRA Scenario:

Consider a young professional in the early stages of their career. Opting for a Roth IRA can be highly beneficial for such an individual, as it allows for tax-free withdrawals in retirement. Given that they are likely to be in a lower tax bracket currently, the tax implications on contributions are minimal, making Roth IRAs an attractive option for accumulating tax-free wealth over time.

Higher Tax Bracket Traditional IRA Scenario:

Envision an individual in a higher tax bracket, with substantial taxable income. For such an individual, a Traditional IRA emerges as a prudent choice. The tax deductions on contributions reduce the current tax liability, providing immediate tax relief. Given the likelihood of being in a lower tax bracket post-retirement, the tax-deferred growth and the tax implications on withdrawals become advantageous.

These scenarios underscore the importance of assessing one’s financial standing, tax bracket, and future income projections when choosing an IRA type. They exemplify how the strategic selection of an IRA can lead to significant tax advantages, enhanced wealth accumulation, and a secure financial future. It’s about understanding the unique features and benefits of each IRA type and aligning them with one’s financial goals and retirement visions to reap the maximum benefits.


Bill Schantz’ Gallery

Blog Posts

Bill Schantz’ Blog Posts

Contact and Consultation

Embarking on the journey of financial planning and retirement savings is a pivotal step towards securing a prosperous future. It is a path laden with decisions, choices, and considerations, each with its unique implications and outcomes. In this intricate journey, personalized guidance and expert advice become the compass that directs individuals towards their financial aspirations and retirement goals.

We encourage all visitors who are contemplating their retirement savings options or seeking to optimize their existing plans to reach out for personalized IRA guidance. Bill Schantz, with his wealth of knowledge, extensive experience, and a deep understanding of the financial landscape, is here to provide invaluable insights and tailored advice that align with your unique financial needs and goals.

Scheduling a consultation with Bill Schantz is not just about receiving expert advice; it’s about engaging in a holistic financial dialogue. It’s about exploring your financial aspirations, understanding your investment preferences, and crafting a retirement savings strategy that resonates with your lifestyle and visions. Bill’s approach is meticulous and empathetic; he delves deep into your financial world, assesses your needs and goals, and offers strategies that are robust, flexible, and forward-looking.

By opting for a consultation, you ensure that your financial decisions are informed, strategic, and aligned with your aspirations. You gain access to a reservoir of financial wisdom and practical insights that empower you to navigate the complexities of IRAs with confidence and foresight. It’s about forging a partnership with a seasoned expert who is committed to your financial success and well-being.

To schedule a consultation and embark on a transformative financial journey, please Contact Us. Let’s explore the possibilities together and sculpt a financial future that is secure, prosperous, and reflective of your dreams and aspirations. 

Contact Form