Category Archives: 401(k) replacement

How Living Benefit Life Insurance Rescued David’s Retirement

How Living Benefit Life Insurance Rescued David’s Retirement 

David did not put enough away for retirement and was facing a retirement short-fall. The Tax-Free Pension Alternative, also known as living benefit life insurance or the Tax-Free IUL provided a rescue strategy to provide a tax-free retirement income David won’t outlive.

You can use this as a catch up solution if you have not put enough away for retirement.  Qualified plans (IRAs, 401(k)s 403(b)s) have annual contribution limitations- see chart. There are no such limitations with the tax-free 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.

Free retirement plan comparison
Free retirement plan comparison

Retirement Plans are heavily taxed.  Did you know that if you withdraw $50,000 from you 401(k), the IRS could take $20,000?  Did you know if you leave $500,000 in your 401(k) to your spouse or kids, the IRS could take $200,000?  Living Benefit Life Insurance is a little known 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.

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.

Control Your Financial Destiny with a Personal Tax Free Retirement Plan.

Control Your Financial Destiny with a Personal Tax Free Retirement Plan.

Big Government will break your heart if you fall victim to government mandated retirement plan tax-traps.
Big Government will break your heart if you fall victim to government mandated retirement plan tax-traps.

With a personal tax free retirement plan you are in control.  You decide how much to contribute and when to take out your money.  Not the Federal Government.

Retirement Strategies: Your Personal Tax Free Retirement Plan.  Watch the Video it’s a game changer.

Your Personal 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.

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

Best kept secret to financial independence - Your tax-free retirement plan Best kept secret to financial independence – Your tax-free pension alternative

The sooner you start the more powerful this strategy becomes.  You can use this as a catch up solution if you have not put enough away for retirement.  Qualified plans (IRAs, 401(k)s 403(b)s) have annual contribution limitations- see chart. There are no such limitations with the tax-free retirement plans.  You can set up a plan where you contribute $100,000 a year for 3 to 5 years or longer.

Free retirement plan comparison Free retirement plan comparison

Retirement Plans are heavily taxed.  Did you know that if you withdraw $50,000 from you 401(k), the IRS could take $20,000?  Did you know if you leave $500,000 in your 401(k) to your spouse or kids, the IRS could take $200,000?  The tax-free retirement plan is a little known 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.

Beware of Retirement Plan Tax-Traps!

Beware of Retirement Plan Tax-Traps!

Looming Retirement Plan Tax-Traps could crush your retirement accounts.
Looming Retirement Plan Tax-Traps could crush your retirement accounts.

Conventional wisdom says to max fund your 401(k).  This is a mistake.

Retirement Plans are heavily taxed.

Did you know the IRS can take 40% or more of each IRA, 401(k) and 403(b) withdrawal?

Withdraw $50,000 and the IRS can take $20,000.

Did you know if you leave $500,000 in your retirement plan to your spouse and children,

the IRS could take $200,000?


With the Government taking so much … your money might not last long enough.

There is a better strategy.  It is safe and it works.  I can show you a little-known IRS approved strategy … you can use right now to insulate your retirement from the looming tax traps that lie ahead.


This IRS approved Tax-Free Retirement Plan is better than an IRA, 401(k) or 403(b) retirement plan.

See more at: https://dependable-income.com

Ever Wish You Could Kick Start Your Tax-Free Retirement Plan?

Ever Wish You Could Kick Start Your Tax-Free Retirement Plan?

Retirement-Toolbox Video explains How to Jump-Start a Tax-Free Retirement Plan

How to Kick Start a Tax-Free Retirement Plan by using other people’s money to leverage low yielding assets like receivables and inventory to accelerate wealth building and how to effectively convert a taxable IRA, 401(k) and 403(b) retirement plan into a tax-free retirement plan.  Video explains how.

Kick start your tax-free retirement plan using other people's money.
Kick start your tax-free retirement plan using other people’s money.

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

Many entrepreneurs and small business owners put off saving for retirement.  They wake up one day and realize they have not saved enough.  Qualified plans have Government imposed limitations on the amount you can contribute and the Government tells you when you must start taxable withdrawals.

The tax-free retirement plan has no such limitations.  It can  be structured to allow you to contribute as much as you want, as long as the insurance company will accept the contribution.

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!

Tax-Free Income You Won’t Outlive!

Discover How a Tax Free Retirement Plan Creates Wealth

Tax Free Retirement Plan

Free Retirement Plan Comparison
Free Retirement Plan Comparison

Retirement Strategies: The Tax-Free Pension Alternative.

Discover the power of tax-free compounding with our tax free retirement plans. Access your money income tax free and penalty free when you need it. Living benefit life insurance or the tax-free IUL is truly a wealth accumulator.

There is a little known 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. The strategy has been known to double, even triple after tax income compared to 401(k) and 403(b) retirement plans.

Tax-Free IULs are an IRS Approved 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.

  • 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

How About No Stock Market Losses and Tax-Free Income for Life?

How About No Stock Market Losses and Tax-Free Income for Life?

Retirement-Toolbox video shows how to get rid of stock market losses and taxes on retirement income once and for all. That is right, no stock market losses. No more market volatility and sleepless nights worrying about the markets.

What if you no longer had to suffer yo-yo volatility and gut wrenching stock market losses while earning a reasonable rate of return that was tax-free income?

No Yo-Yo Volatility or Stock Market Losses with the Tax-Free Pension Alternative knows as a Tax-Free IUL
No Yo-Yo Volatility or Stock Market Losses with the Tax-Free Pension Alternative knows as a Tax-Free IUL

Would you be OK earning 6% to 9% tax-free on your money with no downside risk? It’s possible with The Perfect Retirement Solution. A Tax-Free Retirement Alternative Plan, also known as Living Benefit Life Insurance or Tax-Free IUL. Historically, these plans have averaged over 8%.

What’s the trade off? In exchange for no downside risk, annual upside is capped, currently 13% to 16%, depending on the index chosen and the Insurance Carrier. This means you earn up to the cap rate in any given year. Gains are locked in annually, so you never give back profits already earned.

None of Our Clients lost money in their tax-free pension alternative. Their money was safe and secure.
None of Our Clients lost money in their tax-free pension alternative. Their money was safe and secure.

During the market melt down of 2008, the S&P 500 and Nasdaq Indexes were down about 40%, but none of our clients lost money due to market volatility. Zero was their hero. Their money was safe and secure, and their income steady and reliable.

Remember 2008 Financial Market Melt Down?
Remember 2008 Financial Market Melt Down? It could happen again.

ELIMINATE TAX-TRAPS & KICK YOUR FUTURE RETIREMENT UP A FEW LEVELS

ELIMINATE TAX-TRAPS & KICK YOUR FUTURE RETIREMENT UP A FEW LEVELS

Entrepreneurs, Small Business Owners and High Earners you can eliminate Tax-Traps and kick your future retirement up a few levels … where the money is staggering and lifestyle options are mind blowing.

IRAs, 401(k)s and 403(b) retirement plans are heavily taxed and could cost you hundreds of thousands of dollars. So, skip the 401(k) herd mentality leading you to a tax slaughter. Discover an under the radar, little known IRS Strategy used by America’s wealthiest families to cut taxes and preserve capital.

The Strategy works. It is a tax-free IUL or living benefit life insurance. This tax-free retirement alternative has been called the perfect retirement solution.

• You don’t lose money when the markets go down, so you are never digging out of an investment hole!
• You Share in Market Upside when Markets go up, up to a cap rate currently 13.0% to 16.0%!
• You’ll Earn Reasonable Rates of Return!
• Your Gains are locked in annually, so you never give back profits already earned!
• Tax-Free Penalty Free Withdrawals at any age, the ultimate tax shelter!
• You can generate a Tax-Free Income You Won’t Outlive!

So, not only do you eliminate taxes you also get rid of yo-yo volatility and stock market losses once and for all.

New quick read eBook Explains How It Works

Kindle version $2.99 

Free download and more videos https://www.bruceecoxcpa.com/

• So, if you hate paying taxes and hate even more losing money in the stock market, pay close attention.
• If you are worried you won’t have enough money to enjoy your retirement, this strategy will help you generate a tax-free income you won’t outlive.
• If you want to implement a gifting strategy for your children or grandchildren, the tax- free IUL is a vehicle that can keep on giving with a lifetime of tax-free income.
• If you like the idea of having a tax-free emergency fund to tap as needed, the tax-free retirement plan is for you.
• If you would like to be your own bank, funding big ticket items with retirement funds, paying interest to yourself rather than a bank, this could work for you.

Fortunately, the quick and easy to implement tax-free retirement solution addresses all of the above.

Eliminate stock market losses and retirement taxes with a tax-free pension alternative
Eliminate stock market losses and retirement taxes with a tax-free pension alternative

PROTECT YOUR RETIREMENT WITH A TAX-FREE PENSION ALTERNATIVE

PROTECT YOUR RETIREMENT WITH A TAX-FREE PENSION ALTERNATIVE

Retirement-Toolbox video shows how to generate a tax-free income for life with a tax-free pension alternative.  Watch the short video.

You can eliminate Tax-Traps and kick your future retirement up a few levels … where the money is staggering and lifestyle options are mind blowing.

Tax-Free Pension Alternative eliminates stock market losses and retirement tax-traps.
Tax-Free Pension Alternative eliminates stock market losses and retirement tax-traps.

IRAs, 401(k)s and 403(b) retirement plans are heavily taxed and could cost you hundreds of thousands of dollars. So, skip the 401(k) herd mentality leading you to a tax slaughter. Discover an under the radar, little known IRS Strategy used by America’s wealthiest families to cut taxes and preserve capital.

The tax-free pension alternative or tax-free IUL has been known to triple after-tax retirement income compared to your IRA, 401(k) or 403(b) plan.

The Tax-Free IUL or Tax-Free Pension Alternative has been known to triple after-tax retirement income.
The Tax-Free IUL or Tax-Free Pension Alternative has been known to triple after-tax retirement income.

Are Your Retirement Planning Ideas Up to Date?

New Retirement Planning Ideas

There has been a paradigm shift in retirement planning you might not be aware of.  The Retirement-Toolbox Video discusses the shift and potential impact on your retirement.

This favorable IRS allowed strategy lends itself to “Zero” Tolerance for Retirement Taxes and “Zero” Tolerance for Stock Market Losses.

You no longer have to risk capital to earn a reasonable rate of return.

This relatively unknown tax-free solution has been quietly used by America’s wealthiest families to cut taxes and preserve capital.

The Tax-Free Pension Alternative, also known as living benefit life insurance or a Tax-Free IUL eliminates taxes and stock market losses.  It has been called a perfect retirement solution.

  • You don’t lose money when the markets go down, so you are never digging out of an   investment hole!
  • You Share in Market Upside when Markets go up, up to a cap rate currently 13.0% to 16.0%!
  • You’ll Earn Reasonable Rates of Return!
  • Your Gains are locked in annually, so you never give back profits already earned!
  • Tax-Free Penalty Free Withdrawals at any age, the ultimate tax shelter!
  • You can generate a Tax-Free Income You Won’t Outlive!

EVERYTHING YOU NEED TO KNOW ABOUT TAX-FREE IULS IN 5 MINUTES OR LESS

EVERYTHING YOU NEED TO KNOW ABOUT TAX-FREE IULS IN 5 MINUTES OR LESS

The Tax-Free IUL has been called the Perfect Retirement Solution
The Tax-Free IUL has been called the Perfect Retirement Solution

The Perfect Retirement Solution – Tax-Free IULs

You might have heard of IULs and wondered how they worked, and if they were right for you! Some of you might have thought they were too good to be true, that there must be a catch. There is no catch, there are some tradeoffs that most informed people are happy to live with.

There is a little known 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. 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.

This retirement strategy, the tax-free pension alternative,is also known as living benefit life insurance and the tax-free IUL.

Tax-Free IULs are an IRS strategy with no downside risk. It has been called the perfect retirement 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!

Request an illustration and a free retirement plan comparison.

Free retirement plan comparison
Free retirement plan comparison