Retirement Plan Tax-Traps and How to Avoid Them

Retirement Plan Tax-Traps and How to Avoid Them

Retirement Plan Tax-Traps could costs you hundreds of thousands of dollars in taxes and market losses.
Retirement Plan Tax-Traps could costs you hundreds of thousands of dollars in taxes and market losses.

Retirement Plans are heavily taxed and they are subject to a 10% early withdrawal penalty if you take money out before reaching age 59 1/2.

The IRS could take up to 40% of each withdrawal, depending on your tax bracket.  When you die, the IRS could also take up to 40% when your heirs withdraw money.

It’s no wonder people run out of money 7 to 10 years into retirement with the Government taking so much. These looming tax-traps could crush your retirement.

Looming tax-traps could crush your retirement plans
Looming tax-traps could crush your retirement plans

A Tax-Free Pension Alternative, the Tax-Free IUL is a Tax-Free Retirement Plan you should consider.  It is a better solution than an IRA, 401(k) or 403(b) retirement plan for most people.

Request an illustration and a Free Retirement Plan Comparison.

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A Retirement Catch Up Strategy: Leverage Jump-Starts a Tax-Free Retirement Plan

A Retirement Catch Up Strategy:  Leverage Jump-Starts a Tax-Free Retirement Plan

Your Retirement Catch Up Strategy

Many people have not put enough money away for retirement.  They need a retirement catch up strategy. Qualified plans such as IRAs, 401(k)s or 403(b) plans won’t work because of contribution limitation.  Besides, they are tax-traps that could crush your retirement accounts, as the IRS could take up to 40% of each withdrawal.

There is a solution.  The Tax-Free Retirement Plan which is also known as living benefit life insurance, the Tax-Free IUL.  You could contribute $100,000 per year, even $1,000,000 if the insurance company will accept it.

Watch the Video

https://www.youtube.com/watch?v=fGEIicO_3So

This tax-free pension alternative is also known as living benefit life insurance or the tax-free IUL.

Using other people’s money to leverage low yielding assets like receivables and inventory can accelerate wealth building.  Our lenders can lend $1,000,000+ secured by receivables, inventory and the policy.

Interest deductions on the loan could offset taxable IRA or 401(k) withdrawals and effectively convert a taxable IRA, 401(k) and 403(b) retirement plan into a tax-free retirement plan.

A client called this the perfect retirement solution, and a 401(k) alternative.

  • 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!

Request an illustration and Free retirement plan comparison.

yourplancomparison

Wealth Creation with Tax-Free Retirement Plans

Wealth Creation with Tax-Free Retirement Plans

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

Retirement Strategies: Tax-Free Retirement Plans

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

Tax-Free Retirement Plans, known as living benefit life insurance or the tax-free IUL is truly a wealth accumulator.  You benefit from the power of tax-free compounding.  You can access your money income tax free and penalty free when you need it, at any age for any reason.

This little known IRS  strategy has been used by the wealthiest top 10% of American Families, including the top 1%  for more than 20 years to cut taxes and preserve capital. The strategy has been known to double, even triple after tax income compared to 401(k) and 403(b) retirement plans.

Your new Tax-Free Retirement Plan or Tax-Free IULs is an IRS  Alternative To 401(k) and 403(b) retirement plans with no downside risk.

This tax-free pension alternative is also known as a tax-free retirement plan and living benefit life insurance.  It has been called a perfect solution.

  • 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!

More information visit https://www.tax-free-retirement-plans.com

Request an illustration and a free retirement plan comparison.  The Wealth Creation can be phenomenal.

yourplancomparison

CD Killer – Discounted Designer Annuities Video

The CD Killer – Discounted Designer Annuities Video

https://www.youtube.com/watch?v=vOYJP77fqVQ

Discounted Designer Annuities are paying more than 7x the One year Bank CD rate and more than double the Ten year U.S. Treasury. This Safe Income Option is a great alternative to Bank CDs and Treasuries.  It has been called a CD Killer.

Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities
Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities

See our post on the Safe Income World Video

If you are stuck in the 1% World of Bank CDs, there are options paying 5% or more, with no downside risk. We call these options our Safe Income Strategies. Explore them.  You will be glad you did.

You can find more information on this site and at

retirement-toolbox.com

Safe Income World Video

Safe Income World Video

You don’t have to stay stuck in a 1% World of Bank CDs because you fear stock market losses.

Discover a new Safe Income World where you can earn 5% with new Safe Income Strategies.  Watch the video.

https://www.youtube.com/watch?v=DHG2c-WF0uY

We discount secondary market annuities and structured settlements and you can earn
5% plus. The income streams are guaranteed by insurance companies

Safe Income Strategy #1

The CD killer.

Moves people from a 1% to 2% world of Bank CDs to a 5%+ world of Guaranteed payments by top rated insurance companies, many of which have been around for more than 100 years.

CD Killer Discounted Designer Annuities from top rated insurance companies.  Welcome to the Safe Income World
CD Killer Discounted Designer Annuities from top rated insurance companies. Welcome to the Safe Income World

We discount future cash flows. We provide liquidity where no liquidity exist to people who need cash now. The payments we acquire are guaranteed and paid by top rated insurance companies. 

Discounted cash flows is a 4000 year old idea which has been applied to a niche in the insurance industry.

We are able to take advantage of a secret the insurance industry doesn’t want you to know.  A secret that is hidden in plain sight in every annuity and life insurance policy…the right to sell, assign or transfer your policy.

Using this knowledge, we are able to cash out annuities and structured settlements. This works for the seller because there is no provision to surrender an annuity or structured settlement once payments have begun. The insurance companies have locked in a long term low interest liability and they are unwilling to extinguish this liability prior to maturity. They are earning higher rates of return than they are paying out, and they won’t give up the positive spread.

You get a steady, dependable income you can count on, that’s paying more than bank CDs, money markets or treasury’s and without the downside risk of stocks, bonds or mutual funds.

 

 

Do You Understand Longevity Risk?

Do You Understand Longevity Risk?

Longevity risk is the risk of outliving your income.  Watch the Retirement-Toolbox video below.

If you retire in your 60s or 70s, your money might have to last you 30+ years.  Many people run out of retirement income in 7 to 10 years.

  • Withdraw too much money in the early years of retirement
  • Heavy taxation of retirement plans were not considered
  • Risky investments caused big stock market losses.
  • Did not save enough
Longevity Risk.  Will you be strapped for cash in your retirement years?  You can do something about this if you act now.
Longevity Risk. Will you be strapped for cash in your retirement years? You can do something about this if you act now.

Our 3 Safe Income Strategies are focused on keeping your money safe, generating a steady reliable income you can count on, paying more than BankCDs, Money Markets & Treasuries, without the downside risk & yo-yo volatility of stocks, bonds, mutual funds or commodities.

These Strategies work.  During the Financial market melt down of 2008 & 2009, when many people saw their IRAs, 401(k)s & other retirement savings cut in half, none of our clients lost money using these strategies.

Their money was safe & secure, their income steady & reliable.

https://www.youtube.com/watch?v=lFk7n8IRCFQ

Looking for a Reliable Income Stream?

Looking for a Reliable Income Stream?

Reliable income you can count on brings peace and comfort.  You  can earn 7x the Bank CD rate with discounted designer annuities.

Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities
Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities

Discover how to generate a safe steady reliable income you can count on, paying more than Bank CDs, Money Markets & Treasuries without the downside risk and yo-yo volatility of stocks, bonds, mutual funds and commodities

We Offer Three Safe Income Strategies that are focused on Keeping your money safe.  Generating a steady reliable income stream you can count on. Paying more than Bank CDs, Money Markets and Treasuries and without the downside risk and volatility of stocks, bonds and mutual funds.

The Safe Income Strategies work.

Steady reliable income with no downside risk
Steady reliable income with no downside risk

During the Financial Melt down of 2008 & 2009, none of our clients lost money due to market volatility with these strategies.

Their money was safe and their income was steady and reliable.

https://www.youtube.com/watch?v=18VpMxkNpmk

Capital was secure and their Income was steady and reliable.

 

Discounted Designer Annuities

Discounted Designer Annuities

Discounted Designer Annuities

7xBankCDrate

Choose A Designer Annuity for a Steady Reliable Income Stream Paying More Than Bank CDs and Treasuries

Designer Annuities provide a steady reliable income you can count on. Many can be purchased for yields 5 times greater than a one year Bank CD.

So if you are stuck in the 1% to 2% world of Bank CDs or the 2% to 3% world of long term Treasuries, you can become unstuck and enjoy the safe income streams offered by these designer annuities. Your money will grow faster and/or you will have more of it to spend with the higher yields offered by our designer annuities.

They are issued by top rated insurance companies, names that you know. Many of these companies have been around for 100 years or longer.

Designer Annuities can be perfect for self-directed IRAs 401(k)s Trust and Custodial Accounts. They can be used to fund charitable pledges for pennies on the dollar and for those seeking current or future income.

Read more …

Designer Annuities2

Safe Income World For You.

Safe Income World  For You.

Safe Income Options

Our Safe Income Strategies are focused on keeping your money safe, generating a steady reliable income stream you can count on, without the gut wrenching volatility and downside risk of stocks, bonds and mutual funds.

There are new safe income options you are probably not aware of. Until recently, they have been closely guarded secrets, known to a small group of originators, a few billionaires and a handful of hedge funds. This group had no incentive to tell you about these options. In some cases they had signed non compete, non disclosure and non circumvent agreements that prevented them from telling you. Now, this multi-billion dollar niche market has been opened to high net worth, accredited investors. We were able to convince the originators to open a new funding channel.

Discount Designer Annuities

Discount Designer Annuities

Yields too high to publish.

Payments are Guaranteed by top rated insurance companies: Allianz, Met Life, NY Life, Prudential, Allstate, Genworth John Hancock etc.

How Discount Designer Annuities work: When someone buys an immediate annuity (SPIA), elects to annuitize a deferred annuity or is receiving a structured settlement annuity payments, they no longer have a surrender option. They are stuck with the payment stream.

The reason is the Insurance Company has locked in a long term low interest liability, and it is making more money on the premiums it receives than the benefit it is paying out. That is how the Insurance Company make its money. The Insurance Company is unwilling to give up its locked in profits. It is locked in its profits by buying long term bonds. If it has to sell the bonds prior to maturity, it could incur investment losses, and this is not fair to its shareholders and other annuity holders.

Read more …

Safe Income Strategies

Safe Income Strategies

How to Generate A Steady Reliable Income Stream You Can Count On with Our Three Safe Income Strategies

An income that will be there no matter how volatile the markets.

Clients have been demanding safe income strategies in the aftermath of the Financial Market melt down of 2008 and 2009. Dividends have been cut or eliminated. Interest rates have dropped and the credit worthiness of many bond portfolios have reached junk status.

Throw in gut wrenching volatility and investment losses exceeding 50% of portfolio values, even speculators and high risk takers are trying to lower their risk exposure. Risk adverse and conservative investors have become paralyzed with fear. Afraid to sell portfolios that have been cut in half, yet worried their portfolios could be cut in half again.

Read more …

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