Tax-Free IUL vs. Boat Purchase Opportunity Costs?

Tax-Free IUL vs. Boat Purchase. What’s The Opportunity Costs?

A client asked for my opinion on his borrowing $75,000 to purchase a boat.  Opportunity Costs of boat purchase vs. Tax-Free IUL $17,509 a year in tax-free retirement income, You would need $583,000 in a 401(k) or an annuity to generate the same after tax income
A client asked for my opinion on his borrowing $75,000 to purchase a boat. Opportunity Costs of boat purchase vs. Tax-Free IUL $17,509 a year in tax-free retirement income, You would need $583,000 in a 401(k) or an annuity to generate the same after tax income

Retirement-Toolbox Video Further Explains

https://www.youtube.com/watch?v=y2zpQsJ-hzQ

Life is full of trade offs.  What would you do?  Enjoy the boat or go for an extra $17,509 a year in tax-free income for life?   You would need $583,000 in an annuity or 401(k) to generate the same $17,509 in after-tax income.

You might have been able to do both.  If you started a tax-free pension alternative several years ago, you might be able to borrow tax-free the $75,000 from your tax-free retirement plan, and pay yourself the interest, rather than the  bank or finance company.

Share

Keeping Your Money in Low Yielding Bank CDs?

Keeping Your Money in Low Yielding Bank CDs?

Rolling over money in low yielding Bank CDs?  You could be earning 6% to 9% tax-free with no downside risk.  Ask me how.
Rolling over money in low yielding Bank CDs? You could be earning 6% to 9% tax-free with no downside risk. Ask me how.

There are tax-free safe income alternatives.  America’s wealthiest families have been using these alternatives for years to cut taxes and eliminate stock market losses.

These IRS strategies are not well known.  Most advisors have not heard about them or they have not realized how powerful the strategies have become.

Watch the Retirement-Toolbox video to learn more.

https://www.youtube.com/watch?v=3rZMAVlNieI

Request an illustration and Free Retirement Plan Comparison.

Free Retirement Plan Comparison
Free Retirement Plan Comparison

 

Share

Will You Run Out of Money In Retirement?

Will You Run Out of Money In Retirement?

Many people run out of money 7 to 10 years into retirement.  With increasing life expectancy your money might have to last 30+ years in retirement if you retire in your 60s almost as long as your working years.

Want to make sure it doesn’t happen to you?  Watch the Retirement-Toolbox video to find steps you can take now.

https://www.youtube.com/watch?v=lPKYgPuDQnA

Tax-Free Pension Alternative 

There is a little known IRS approved strategy that the wealthiest top 10% of American Families, including the top 1% have been using for more than 20 years to cut taxes and preserve capital.

The Strategy works. The Tax-Free IUL can produce a Tax-Free Income You Won’t Outlive! The strategy has also been known to double, even triple after tax income compared to a 401(k) or 403(b) retirement plan. It has been called the Tax-Free Pension Alternative.

Tax-Free Income for Life

If you can double even triple your after-tax income, your money will last longer.  Going with a tax-free retirement plan also insulates you from future tax hikes.  A Zero taxed tax-free plan is better than a heavily taxed qualified plan, such as an IRA, 401(k) or 403(b) retirement plan.

The Tax-Free IUL has no down side risk.  You don’t lose money when the markets go down. Annual gains are locked in, so you never give back interest previously earned.  You share in market upside, up to an annual cap rate.  Current caps are 13% to 16% depending on the index you choose.

Your withdrawals are tax-free penalty free at any age for any reason.  Withdrawals from your qualified plans are heavily taxed and subject to early withdrawal penalties of 10% if you are under age 59 1/2.

You can request a free retirement plan comparison.

Free retirement plan comparison
Free retirement plan comparison

 

Share

Zero Taxes and No Stock Market Losses

Zero Taxes and No Stock Market Losses

Hate Paying Taxes and Losing Money In the Stock Market?

Would you be OK earning 6% to 9% on your money with no downside risk and zero taxes on your gains?  

Watch the Retirement-Toolbox video.

https://www.youtube.com/watch?v=8E1ZqALS7Jo
Under the radar IRS strategy eliminates taxes and stock market losses.
Under the radar IRS strategy eliminates taxes and stock market losses.

There is an under the radar IRS strategy that the wealthiest top 10% of American Families, including the top 1% have been using for more than 20 years to cut taxes and preserve capital.

Most advisors never heard about the strategy or they have not realized how powerful it has become with Living Benefit Life Insurance.

You earn a reasonable rate of return.  Your gains are locked in annually, so you never give back profits already earned.  You share in market upside, subject to a cap on annual gains, currently 13% to 16% depending on index chosen.  You can access your money tax-free, penalty free at any age for any reason.

Doesn’t that sound like an idea you should examine?

Reasonable rate of return. Steady reliable income with no downside risk and tax-free penalty free income.
Reasonable rate of return. Steady reliable income with no downside risk and tax-free penalty free income.

Request an illustration and free retirement plan comparison.

Free Retirement Plan Comparison
Free Retirement Plan Comparison

 

Share

Tax-Free is Better: Sara’s Story Demonstrates the Power of the Tax-Free IUL.

Tax-Free is Better: Sara’s Story Demonstrates the Power of the Tax-Free IUL

Sara 68 understood the Living Benefit Life Insurance concept.  The tax-free death benefit was another plus.

https://www.youtube.com/watch?v=zROM_C0irQ4

Sara had been stuck in a 1% World of Bank CDs. Worried about stock market losses, Sara kept her money in low yielding Bank CDs.  This impacted her life style and her ability to leave a legacy to her children and grandchildren.

Sara was stuck in a 1% World of Bank CDs.  She discovered tax-free is better with the tax-free IUL.  The Power of Living Benefits Life Insurance made a big difference in her life style.
Sara was stuck in a 1% World of Bank CDs. She discovered tax-free is better with the tax-free IUL. The Power of Living Benefits Life Insurance made a big difference in her life style.

We introduced Sara to the Tax-Free Pension Alternative, also known as living benefit life insurance or the Tax-Free IUL, where you don’t lose money when the markets go down. Sara would need $3,400,000 in CDs to generate the same after-tax income that $300,000 invested and accrued for 4 years will produce based on projected returns that are below historical averages. Sara loved this safe income strategy.

Request an illustration and free retirement plan comparison.

Free Retirement Plan Comparison
Free Retirement Plan Comparison
Share

$246,000 a Year in Tax-Free Income For Life

$246,000 a Year in Tax-Free Income For Life at Age 66

A Reachable Goal for a 25 year old.

What will you do?  Watch the video and find out how you could achieve something similar.

https://www.youtube.com/watch?v=TCOMUgBVlVo

Discover the Tax-Free Pension Alternative, also known as living benefit life insurance or the Tax-Free IUL.

Tax-Free Retirement Plans are a tax-free pension alternative to IRAs, 401(k), & 403(b) retirement plans
Tax-Free Retirement Plans are a tax-free pension alternative to IRAs, 401(k), & 403(b) retirement plans

A wise client called the Tax-Free IUL spectacular, a game changer! No downside risk. Tax-free income for life and a reasonable rate of return. He called it “The 401(k) Replacement!”

John age 25 was impressed enough to take control of his retirement. He’s on his way to financial independence.  Imagine what you could do for your family.

He’ll retire at age 66 with $246,000 in tax-free income for life based on the historical rate of return. John comprehended  the magic of tax-free compounding right away.  It is even better and more powerful because you don’t lose money when the markets go down and your gains are locked in annually.

When you don’t lose money, you are never digging out of an investment hole, plus you never give back previous gains. Knowledge + action have empowered John and he is on his way to a wealthy retirement.

You can request an illustration and free retirement plan comparison.

Free Retirement Plan Comparison
Free Retirement Plan Comparison

 

Share

Tax-Free IUL Rescue’s Robert’s Retirement

Tax-Free IUL Rescue’s Robert’s Retirement

https://www.youtube.com/watch?v=D-p-ehGl9oM

Robert 51, had no retirement savings and realized he had to do something about this.  He chose the Tax-Free IUL after reviewing the Retirement-Toolbox videos and eBook.

Robert’s Plan:  Save $1,000 a month for the next 20 years in the tax-free IUL.  This tax-free pension alternative projects $57,000 a year in tax-free income for life at age 71, based on the historical 8.11% rate of return earned by the plan.  His actual returns will vary and the variance could be substantial.

Interest earned is tied to market indices, such as the S&P 500 index.  In exchange for no downside risk when the markets go down, there is a cap on annual upside, currently 13%.  Caps change annually.

Robert qualifies for life insurance.   The Tax-Free IUL is living benefits life insurance.

Tax-free penalty free cash when you need it, at any age for any reason in your tax-free retirement plan, The Tax-Free IUL.
Tax-free penalty free cash when you need it, at any age for any reason in your tax-free retirement plan, The Tax-Free IUL.

Tax-Free Emergency Fund.

Living benefits life insurance can be tapped for emergencies.  Withdrawals are tax-free penalty free at any age for any reason.

Request an illustration and free retirement plan comparison

Free Retirement Plan Comparison
Free Retirement Plan Comparison
Share

Empowering Gifting Strategy: Jack & Carol’s Story

Empowering Gifting Strategy: Jack & Carol’s Story

Jack and Carol turned to the Tax-Free IUL to create a Tax-Free Pension Alternative for their granddaughters.  This is an annual gifting strategy that will set the granddaughters up for life.

Living Benefit Life Insurance is very flexible and safe.

You don’t lose money when the markets go down.  You participate and share in market upside, up to an annual cap rate.  Annual gains are locked in so you never give back interest previously earned.  Withdrawals are tax-free penalty free at any age for any reason.

The granddaughters will be able to use the tax-free living benefits for college tuition, weddings, down payments on a house or any other reason.  Thanking their grandparents each time.

Watch the Retirement-Toolbox video.

https://www.youtube.com/watch?v=cT8Xz6QGNuc
Empowering Gifting Strategy Using the Tax-Free Pension Alternative known as a Tax-Free IUL
Empowering Gifting Strategy Using the Tax-Free Pension Alternative known as a Tax-Free IUL
Share

David’s Retirement Catch Up Strategy: Tax-Free IUL to the Rescue

David’s Retirement Catch Up Strategy: Tax-Free IUL to the Rescue

Do you know anyone who has not put enough away for retirement?  A serious shortfall indicating  a bleak future?

Well, many entrepreneurs and small business people put off retirement planning.  Profits are plowed back into the business or lifestyle issues get in the way.

David’s future did not look good.  The Tax-Free IUL came to the rescue.  It will generate tax-free penalty free income without any downside risk.

https://www.youtube.com/watch?v=3SqVt8iye28

The Tax-Free IUL or tax-free pension alternative as some call it, does not have the contribution limits of Qualified Plans such as IRAs, 401(k)s or 403(b) plans. Limitations which make them virtually useless when it comes to a catch up strategy.

A Great Retirement Catch Up Strategy:  Tax-Free IULs or Tax-Free Retirement Plans are a tax-free pension alternative to IRAs, 401(k), and 403(b) retirement plans
A Great Retirement Catch Up Strategy: Tax-Free IULs or Tax-Free Retirement Plans are a tax-free pension alternative to IRAs, 401(k), and 403(b) retirement plans.

You can set up a tax-free IUL or tax-free pension alternative where you contribute $100,000 a year for 3 to 5 years or longer, so long as the insurance company will accept the amount you want to contribute.

Because the Tax-Free IUL eliminates taxes and stock market losses, it can generate two to three times more after-tax retirement income than most IRAs, 401(k)s  or 403(b) plans.  This is a great help for those trying to overcome a retirement shortfall.

For example, $333,333 might produce the same after-tax income as $1,000,000 in an IRA or 401(k).

Tax-Free IULs are an IRS Alternative To 401(k) and 403(b) retirement plans with no downside risk.

• You don’t lose money when the markets go down!
• Share in Market Upside when Markets go up!
• Earn Reasonable Rates of Return!
• Gains Locked In Annually!
• Tax-Free Penalty Free Withdrawals at any age!
• Tax-Free Income You Won’t Outlive!

Contact us at 800-955-7898 for a personal illustration.

yourplancomparison

 

Share

The Best Kept Secret to Reaching Financial Independence: a Tax-Free IUL

The Best Kept Secret to Reaching Financial Independence: A Tax-Free IUL

Best kept secret to financial independence – Your tax-free IUL
Best kept secret to financial independence – Your tax-free IUL

Wealth Creation with Personal Tax-Free Retirement Plans.  It’s the easy way to Financial Independence

You are in control.  You choose how much to contribute (no limitations) and when to withdraw money (no RMDs).

The Tax-Free Retirement Plan is better than an IRA, 401(k) or 403(b) retirement plan. You don’t lose money when the markets go down. You share in market upside when the markets go up. You earn reasonable rates of return and gains are locked in. You can access your money tax-free and penalty free at any time for any reason.

Watch the Video for more information

https://www.youtube.com/watch?v=YJzgMpBL3aU

Qualified plans such as IRAs, 401(k)s or 403(b) retirement plans are taxed at ordinary income tax rates.  The IRS could take up to 40% of each withdrawal.  Withdrawals under the age of 59 1/2 are subject to a 10% penalty.

Withdrawals in your Personal Tax-Free Retirement Plan are tax-free, penalty free at any age for any reason.  It can be used as a tax free emergency fund.

 

Share
Plugin Supporter WordPress Plugins