Tag Archives: tax-free retirement plans

Lawyers Accountants Keep More of Your Money with a Tax-Free Retirement Plan

Lawyers Accountants Keep More of Your Money with a Tax-Free Retirement Plan

It’s what you keep after taxes that counts. IRS allowed strategy can triple your retirement income after taxes compared to heavily taxed retirement income taken from your 401(k) or 403(b) retirement plan.

Conventional wisdom is to max fund your 401(k).
Conventional wisdom is to max fund your 401(k). This could costs you hundreds of thousands of dollars in taxes and market losses. Tax-Free Pension Alternative is the better choice.
https://youtu.be/MR4MTeAnALw

Lawyers and Accountants you can keep more of your money with a Tax-Free Retirement Plan and generate 3 times more after tax income compared to your 401(k). Use the secret of the top 10% of America’s Wealthiest Families. They use the secret IRS approved strategy to avoid taxes and not lose money in the stock market. This little known strategy has flown under the radar for 20 years. Most advisors have never heard about the strategy or did not realize how powerful it has become.

Lawyers and Accountants keep more of your money with a tax-free retirement plan.
Lawyers and Accountants keep more of your money with a tax-free retirement plan.

This tax-free pension alternative has been called The Perfect Retirement Solution and The 401(k) Replacement.

• 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 13.5% 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!

New eBook explains how it works. Download it for free https://www.bruceecoxcpa.com/tax-free-iul-ebook.html

Kindle version $2.99

Request an illustration and a Free Retirement Plan comparison.

Free retirement plan comparison
Free retirement plan comparison

Medical Professionals Triple Your Retirement Income after taxes & Retire Early

Medical Professionals, Triple Your Retirement Income After Taxes and Retire Early

It’s what you keep after taxes that counts. IRS allowed strategy can triple your retirement income after taxes compared to heavily taxed retirement income taken from your 401(k) or 403(b) retirement plan.

Would You Retire Early If You Had 3x more spendable cash during retirement than you anticipated from your IRA, 401(k) or 403(b) plan?

Obamacare Squeezing Physicians Incomes
Obamacare Squeezing Physicians Incomes
https://youtu.be/b0vKKWCB8WE

Obamacare is squeezing Physicians Incomes adding to Physicians stress levels.

Medical Professionals, are Government Regulations and Taxes getting to you? How about retiring early with 3 times the after-tax income vs. your 401(k) or 403(b) retirement plan?

Simply use the secret of the top 10% of America’s wealthiest families. It has been known to double, even triple after-retirement income vs. 401(k)s and 403(b) retirement plan.

Imagine going from $25,000 per year in after-tax retirement income to $75,000 in tax-free retirement income, or $100,000 to $300,000.

The strategy works and it could work for you. The Wealthiest American families use it to avoid taxes and to get rid of stock market losses once and for all. This little known IRS allowed strategy that has been called the perfect retirement solution for those who qualify. The Tax-Free Pension Alternative is also known as living benefit life insurance. You or a family member must be insurable to qualify.

• 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 13.5% 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!

New eBook Explains How It Works. It is available for download at https://www.bruceecoxcpa.com/tax-free-iul-ebook.html

Kindle version $2.99
• 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 are rolling over money in CDs because you fear stock market losses, with this tax- free retirement strategy, you don’t lose money when the markets go down.

• If you have not put enough money away for retirement and need a catch up strategy, this strategy could work for you.
• When you recognize the tax-free retirement plan can generate 3 to 4 times more income after taxes than a 401(k) or 403(b) retirement plan, you’ll want to replace your retirement plan with the tax-free retirement plan.
• 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 tax-free retirement solution addresses all of the above.

Request an Illustration and a Free Retirement Plan Comparison.

Free retirement plan comparison
Free retirement plan comparison

Get Rid of Stock Market Losses and Taxes on Your Retirement Income Once and For All!

Get Rid of Stock Market Losses and Taxes on Your Retirement Income Once and For All!

Video Explains How

https://youtu.be/X_AE0VywBdU

Tired of Losing Money in the Stock Market? You can Get Rid of Stock Market Losses and Taxes on Your Retirement Income Once and For All!

Simply do what the Wealthiest American Families do to avoid taxes and not lose money in the stock market. They use a little known IRS approved strategy that has been called the perfect retirement solution for those who qualify.

• 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 13.5% 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!

New eBook Explains How this tax-free pension alternative, or living benefit life insurance works.

The Perfect Retirement Solution gets rid of stock market losses once and for all.
The Perfect Retirement Solution gets rid of stock market losses once and for all.

• 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 are rolling over money in CDs because you fear stock market losses, with this tax- free retirement strategy, you don’t lose money when the markets go down.

• If you have not put enough money away for retirement and need a catch up strategy, this strategy could work for you.
• When you recognize the tax-free retirement plan can generate 3 to 4 times more income after taxes than a 401(k) or 403(b) retirement plan, you’ll want to replace your retirement plan with the tax-free retirement plan.
• 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 tax-free retirement solution addresses all of the above.

Free download at BruceECoxCPA.com

Kindle version $2.99

Triple Your After-Tax Retirement Income

Triple Your After-Tax Retirement Income

Best kept secret to financial independence - Your tax-free pension alternative.  Discover how to triple your after-tax retirement income.
Best kept secret to financial independence – Your tax-free pension alternative. Discover how to triple your after-tax retirement income.
https://youtu.be/TdI0Dh27r6k

Many Dream of Retiring with $1 million In Their 401(k). This could generate $50,000 per year in Taxable Income; $30,000 per year in After-Tax Income. Did You Know $333,334 in a Tax-Free IUL would generate the same $30,000 per year in After-Tax Income? That’s right, $333,334 in Tax-Free IUL produces same after-tax income as a $1 million 401(k).

You could reduce annual savings by ⅔, say $1000 per month to $333 per month; $667 for other expenses. Or, you could Leave annual savings the same and enjoy 3 times more after-tax income during retirement years.

Watch the video to learn more about this tax-free pension alternative, also known as living benefit life insurance.

To see the full impact request a free illustration.

Free retirement plan comparison
Free retirement plan comparison

Enough Money in Retirement or a Retirement Shortfall?

Will You Have Enough Money in Retirement or a Retirement Shortfall?  

Will a Tax-Free Solution Help?

https://youtu.be/J94DxIZEIeE

Are You Saving Enough? How Risky is Your Retirement? Have You Considered Taxes and Inflation? Will you have a retirement shortfall? You need to know the answers to these questions now, while you can still do something about them, not twenty years from now when it might be too late. You can request a free analysis at https://www.tax-free-retirement-plans.com.

Avoid a Retirement Shortfall with Safe Income Solutions You Won't Outlive.
Avoid a Retirement Shortfall with Safe Income Solutions You Won’t Outlive.

Your money has to last 30 years or more if you retire in your 60s or 70s. Many people run out of money 7 to 10 years into retirement.

• Withdraw too much money in the early years of retirement
• Heavy taxation of retirement plans were not considered
• Risky investments caused big stock market losses.
• Did not save enough

What will you do if your are facing a 20+ year retirement shortfall?  How will you get by?

There are catch up solutions that can work.  Face the issue now while you have time to address it.

The Tax-Free Solution

A tax-free pension alternative also known as living benefit life insurance or the tax-free IUL will solve many of these issues.

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.
  • 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 13.5% 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!

The Tax-Free Solution is an 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 Solution works. The tax-free solution 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.

To see how powerful it is request a free illustration and retirement plan comparison.

Free retirement plan comparison
Free retirement plan comparison

Tax-Free IUL as a Tax-Free Emergency Fund

Tax-Free IUL as a Tax-Free Emergency Fund

https://youtu.be/yAInzA5pSUs

Using the Tax-Free IUL or Tax-Free Pension Alternative as a Tax-Free Emergency Fund

Tax-Free pension alternative or tax-free IUL can produce a Tax-Free Income You Won’t Outlive and Act as a Tax-Free Emergency Fund?   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!

Tax-Free Emergency Fund
Tax-Free Emergency Fund

You can also borrow money without a credit check to purchase big ticket items like a car.  Pay interest to yourself rather than the bank.  Pay the loan back on your schedule, your terms.

Tax-Free IUL vs. Boat Purchase

Tax-Free IUL vs. Boat Purchase.

https://youtu.be/y2zpQsJ-hzQ

Examining  a Tax-Free IUL vs. boat purchase

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

Tax-Free IUL vs. Boat Purchase.  Opportunity Costs of boat purchase vs. Tax-Free IUL $17,509 a year in tax-free retirement income
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

I ran some numbers, and told him if he instead invested the $500 per month payment into a tax-free pension alternative or tax-free IUL, he would have an extra $17,509 in tax-free income every year during retirement, based on the historical rate of return. This would be useful as he took a hit in his 401(k) a few years ago and it had not recovered. I also pointed out that 20 years from now, he would need $583,000 in a 401(k) or an annuity to generate the same after tax income that the tax-free pension alternative or tax-free IUL would generate.

Rolling over CDs because you fear stock market losses?

Rolling over CDs because you fear stock market losses?

https://youtu.be/3rZMAVlNieI

Rolling over CDs, earning less than 1% on your money, because you fear stock market losses? You could be earning 6% to 9% tax-free based on historical rates of return with no downside risk. 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 pension alternative also known as living benefit life insurance and the tax-free IUL can Produce a Tax-Free Income You Won’t Outlive!

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.
Tax-Free IUL vs 401(k) a 15 year Look Back
Tax-Free IUL vs 401(k) a 15 year Look Back. Bottom line the Tax-Free IUL generated 4.5 times more income after taxes.

Retirement Taxes combined with Market Losses Could Crush Your Retirement Dreams

Retirement Taxes combined with Market Losses Could Crush Your Retirement Dreams

Are You Worried Stock Market Losses and Taxes Could Crush Your Retirement Accounts?

https://youtu.be/2j5wctCqGWA

Retirement Strategies: The tax-free pension alternative is living benefit life insurance or the tax-free IUL.

Retirement Taxes could crush your retirement dreams.   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?

Heavy taxes can exhaust even gut your qualified retirement plans, your IRA, 401(k) or 403(b), quickly. This is a major reason many people run out of money 7 to 10 years into a 30 year retirement.

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. 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!

Will you be strapped for cash in retirement because of heavy taxes?
Will you be strapped for cash in retirement because of heavy taxes?
Retirement Toolbox Tax-Free Pension Alternative Eliminates Heavy Retirement Taxes
Retirement Toolbox Tax-Free Pension Alternative Eliminates Heavy Retirement Taxes

Longevity Risk. Will You Have Enough Money to Enjoy Your Retirement?

Longevity Risk! Will You Have Enough Money to Enjoy Your Retirement? 

https://youtu.be/lPKYgPuDQnA

Longevity risk. If you retire in your 60s or 70s, your money has to last you 30 years or more. Many people run out of money 7 to 10 years into retirement.

  • Withdraw too much money in the early years of retirement
  • Heavy taxation of retirement plans were not considered
  • Risky investments caused big stock market losses.
  • Did not save enough

Tax-Free Solution

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.

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.

I failed to mention, 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