Retirement for Individuals and Families:
Leverage Your 401(K), IRA or 403(B)

Over the last 40 years, about 50% of Americans have put some money into qualified retirement plans. And 96% of our country’s nearly $22 trillion in retirement accounts are sitting in tax-deferred accounts like 401(k)s and IRAs.

While these qualified plans are popular, they are susceptible to three primary threats:

• Market downturns
• Taxes
• Medical emergencies

Since the beginning of this century-from 2000 to the end of 2019, the stock market has seen two bear markets (crashes) and two bull markets (growth periods).

That’s a lot of volatility!

Plus, taxes are due when you start withdrawing qualified funds. Given that our levels of record-high debt ($25 Trillion and growing) will collide directly with the retirement of 140 million Baby Boomers and Generation Xers over the next twenty-five years, taxes are likely to be much higher than today’s historically low rates.

With tax-deferred plans, the risk to your loved ones is your dying too soon, but the risk to your savings is living too long.

Our approach combats these risks by restructuring your qualified savings into cash value life insurance. This creates tax-free income, protection for your loved ones, volatility-free growth, reduced or eliminated income tax liability, and income streams that can last throughout your retirement years.

The guaranteed death benefit provides you the priceless feeling of knowing your family will be financially secure if you died too soon, and the guaranteed cash value rewards you for living longer–all immune from market volatility or taxation.

Today’s historically low tax rates make now the time to achieve the maximum future, tax-free income. Your tax-deferred income sources will be taxed at unknown but higher rates. The best mathematically valid solution is to pay those taxes now at a lower rate while locking in future capital gains tax-free.