RETIREMENT PLANNING

Retirement

Individuals

It’s a fact: Any individual with a large IRA has a tax problem. If you don’t use it or leverage it, you will likely lose a significant portion to future taxes.

A properly designed, financial product strategy offers tax advantages no other single product can provide. It would take a combination of investments to equal all the advantages of our strategy.  

IRS-approved tax advantages

With this strategy, there are no taxes due during the accumulation phase when the policy’s cash value builds up. When you retire, you can take tax-free distributions of the cash value. This strategy also allow the tax-free exchange of one financial product for another without triggering income taxes. And when you passes on, the tax-free death benefit protects your loved ones against financial uncertainty.

Protection against stock market volatility

This strategy provides market-linked gains without market-based risk because it’s not an investment in the stock market. With an principal-protection guarantee, gains from the previous year are locked in and the principal cash value remains the same. To put it simply, even if the stock market crashes, there are no losses.

Flexibility and control

Unlike an IRA or 401(k), there are no limitations on the amount you can contribute annually to this product. As a result, you can have a high starting cash-value based on what you want to contribute while structuring your own personal income plan, allowing you to know exactly what your income will be upon retirement.

Even better, you can have access to your cash value at any age, any time, for any reason, without paying taxes or penalties. This strategy also allows a tax-free exchange of one product for another, plus the flexibility to change death benefit amounts, premium amounts and payment frequency.

Who benefits most?

The short answer: High earners who are frustrated with the inflexibility of their other tax-deferred accounts. It’s also an excellent option for individuals who have maxed out their retirement accounts or find themselves limited in the amount of tax-deferred income they can contribute to their 401(k)s. This is also ideal for individuals who earn too much to qualify for a Roth IRA.

For younger people, this provides a great rollover solution when they’ve accumulated considerable savings in a former employer’s retirement plan. For baby boomers who have been delaying retirement planning longer than they should, this can provide a last chance to secure their retirement years.

Of course, the tax-free death benefit offers an advantage to primary wage earners who are concerned about protecting the financial security of loved ones after they’re gone.

The most cost-effective way to protect their retirement savings

These days, most people, if not all, are highly concerned about rising taxes and future market fluctuations eroding their retirement savings. This Strategy is a cost-effective way to protect your savings from taxes while providing you with supplemental retirement income for your entire life.

There’s another benefit that warrants a mention here. You are in control of your own retirement savings and taxes, not your fund managers.

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