Will You Beat Your Money To The Grave?  A Tax-Free Retirement Savings Strategy Can Help!!

What If You’ve Been Lied To!

What if everything you have been told about saving for retirement was wrong? What if the benefit of tax-deferred growth in your retirement plan was really a well-funded Wall Street marketing hoax?

Would paying the tax later in retirement be better? Or, was it just a big marketing gimmick for you to buy into the mutual funds peddled by Wall Street?

The founder of The Vanguard Group, Jack Bogle” is quoted as having said “70% of your market returns go straight to the pockets of Wall Street and only 30% actually goes to you, the investor.”

Do you really know what tax rates are going to be in the future?

It’s a fact:

If you have a large IRA you have 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 Indexed Universal Life Insurance (IUL) policy offers tax advantages no other single product can provide. It would take a combination of investments to equal all the advantages of an IUL.

 

IRS-approved tax advantages

With an IUL, 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. IULs also allow the tax-free exchange of one policy for another without triggering income taxes. And when you pass on, the tax-free death benefit protects your loved ones against financial un

 

IRS-approved tax advantages

With an IUL, 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. IULs also allow the tax-free exchange of one policy for another without triggering income taxes. And when you pass on, the tax-free death benefit protects your loved ones against financial un

Protection against stock market volatility

An IUL provides market-linked gains without market-based risk because it’s not an investment in the stock market. With an IULs 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 your plan. As a result, the IUL can have a high starting cash-value based on what they contribute to the policy.

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

Who benefits most?

The short answer: Anyone who has accumulated enough for retirement that they will have to pay taxes.  Or individuals who are frustrated with the inflexibility of their other tax-deferred accounts. It’s also an excellent option if you have maxed out your retirement accounts or find yourself limited in the amount of tax-deferred income you can contribute to their 401(k)s. An IUL is also ideal for someone who earns too much to qualify for a Roth IRA.

For younger indiviuals, an IUL 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, an IUL 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 individuals, if not all, are highly concerned about rising taxes and future market fluctuations eroding their retirement savings. Indexed Universal Life Insurance is a cost-effective way to protect their savings from taxes while providing them with supplemental retirement income for their entire lifetime.

There’s another benefit that warrants a mention here. With an IUL, you are in control of their own retirement savings and taxes, not your fund manager or the government.