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Tax-Free Retirement

When you retire, you will only have two kinds of money available to you. Taxable and tax-free. With traditional IRAs and traditional 401K plans, you are not only postponing the tax, you are also postponing the tax calculations. With the country's debt growing at an alarming rate, the fact that the IRS doesn't have to declare right now how much they will tax your retirement assets later, is an alarming fact to many Americans. Which way do you think that tax rates are going to go...up or down?

There are 3 common places to accumulate tax-free retirement income. Only two in our opinion are viable enough to use as retirement savings vehicles. The 3 tax free vehicles are Municipal Bonds, a Roth IRA, and Life Insurance - when structured properly. We disregard Municipal Bonds because over time, they do not return enough or have adequate diversification to build a sufficient nest egg.

The Roth IRA is a great savings vehicle. We can help you establish a Roth IRA that will have guarantees built-in to ensure your retirement security. You are however limited to the amount of annual contributions allowed into a Roth, and high-income earners are not even allowed to participate. Especially for those who earn above the income limit, an indexed universal life product has many advantages. Anyone can participate, contributions are tax deferred, and when designed properly, the total accumulation value will be tax-free! Contribution amounts allowed into an IUL are very generous, especially when compared to other plans.

Additionally, many IRA investment options today are tied to mutual funds, which are often linked to stock market performance. Over the past few years, we have all seen the downside of risk. An investor can lose substantial portions of both principal and past earnings, requiring extreme market gains just to get back to even. With the majority of financial products we offer, annual gains are locked in and your account value can not lose money due to a down-turn in the market.

Indexed UL Advantages vs Mutual Funds

  • Tax-deferred growth
  • Tax-free distribution
  • Competitive returns
  • High contributions
  • No-loss provisions
  • Guaranteed loan options
  • Liquidity/control
  • Lawsuit  & creditor protected

Contact us today for a no-obligation review!

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