Tag Archives: Tax-Free IUL

Build a Tax Free Emergency Fund

Build a Tax Free Emergency Fund Using a Tax-Free IUL.

The Tax-Free IUL works as a tax free emergency fund. You can make tax free penalty free withdrawals anytime for any reason at any age.

Watch the Retirement-Toolbox Video

You can pay the money back when you have it during your lifetime or with death benefits upon your death.

Flexibility makes a living benefit life insurance valuable. It is more than a supplemental retirement plan. The Wealthy use it as a liquid tax-sheltered way to preserve capital and earn a reasonable Rate of Return.  It’s their safe money emergency fund!

Living Benefit Life Insurance, the tax free IUL is flexible enough to double as your tax free emergency fund.
Living Benefit Life Insurance, the tax free IUL is flexible enough to double as your tax free emergency fund.

 

What Would You Choose, a New Boat or a More Secure Retirement?

What Would You Choose, a New Boat or a More Secure Retirement?

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

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.  Would you choose the boat or the more secure retirement?
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. Would you choose the boat or the more secure retirement?

Examining  a Tax-Free IUL vs. boat purchase

A client asked for my opinion on his borrowing $75,000 to purchase a boat.

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.

New boat vs. a more secure retirement?

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.

Rolling Over Money in Low Yielding Bank CDs?

Rolling Over Money in Low Yielding Bank CDs?

Scared to Death of More Stock Market Losses?

Tax-FreeIUL-3-RollingCDs470x264

Don’t trust the Government, the Economy or the Stock Market?

Rolling Over Money in Low Yielding Bank CDs?
Rolling Over Money in Low Yielding Bank CDs?

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.

Request an illustration and Free Retirement Plan Comparison.

Free Retirement Plan Comparison
Free Retirement Plan Comparison

Are You Worried Your Retirement Money Will Run Out?

Are You Worried Your Retirement Money Will Run Out?

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.

Top Retirement Challenges:  Taxes, Longevity and Stock Market Losses.  Will You Run Out of Money?
Top Retirement Challenges: Taxes, Longevity and Stock Market Losses. Will You Run Out of Money?

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

Do You Hate Paying Taxes & Losing Money in the Stock Market?

Do You Hate Paying Taxes & Losing Money in the Stock Market?

What if there was a vehicle that eliminates taxes on retirement income and stock market losses too?

Watch the Retirement-Toolbox Video to find out how it works.

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.

Would you be OK earning 6% to 9% with no downside risk?

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

 

Jack & Carol’s Empowering Living Legacy Gift

Jack & Carol’s Empowering Living Legacy Gift

Jack and Carol used the Tax-Free IUL to create a Tax-Free Pension Alternative for their granddaughters. What a legacy, tax-free income for life.  Truly a living legacy gift.

They recognized the power of tax-free compounding. Their annual gifting strategy will set their 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 won’t have to wait for their deaths to enjoy the living benefits of this legacy. They 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.

Empowering Gifting Strategy Using the Tax-Free Pension Alternative known as a Tax-Free IUL  truly creates a living legacy gift.
Empowering Gifting Strategy Using the Tax-Free Pension Alternative known as a Tax-Free IUL truly creates a living legacy gift.
Empowering Gifting Strategy Using the Tax-Free Pension Alternative known as a Tax-Free IUL

Tax Free is Better: Sara’s Story Demonstrates the Power of Living Benefit Life Insurance

Tax Free is Better: Sara’s Story Demonstrates the Power of Living Benefit Life Insurance

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

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

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

Financial Independence – $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.

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.  A perfect vehicle for reaching financial independence.
Tax-Free Retirement Plans are a tax-free pension alternative to IRAs, 401(k), & 403(b) retirement plans. A perfect vehicle for reaching financial independence.

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

Living Benefit Life Insurance Rescue’s Robert’s Retirement

Living Benefit Life Insurance Rescue’s Robert’s Retirement

Robert 51, had no retirement savings and realized he had to do something about this.  He chose Living Benefit Life Insurance also known as a 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 benefit life insurance.  The primary focus is living benefits as opposed to traditional life insurance which is primarily focused on death benefits.

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

Jack & Carol’s Empowering Living Legacy Gift

Jack & Carol’s Empowering Living Legacy Gift

Jack and Carol used the Tax-Free IUL to create a Tax-Free Pension Alternative for their granddaughters. What a legacy, tax-free income for life.

They recognized the power of tax-free compounding. Their annual gifting strategy will set their 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 won’t have to wait for their deaths to enjoy the living benefits of this legacy. They 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.

Empowering Gifting Strategy Using the Tax-Free Pension Alternative known as a Tax-Free IUL to create a living legacy gift
Empowering Gifting Strategy Using the Tax-Free Pension Alternative known as a Tax-Free IUL to create a living legacy gift