Category Archives: Tax-Free IUL

Tax-Free IUL vs. 401(k)…a 15 year look back of the S&P 500.

Video September 11, 2014 Bruce E Cox CPA

Tax-Free IUL vs. 401(k)…a 15 year look back of the S&P 500.

A 15 Year Look Back: $100,000 Initial Investment S&P 500 Index vs. Tax-Free IUL Indexed to S&P 500 With 14% Cap and 0% Floor.

Bottom Line after 15 years $8,300 Taxable 401(k) income vs. $23,000 Tax-Free Income in the IUL.

$150,000 Taxable 401(k) Assets vs. $254,000 Tax-Free Assets in the Tax-Free IUL.

During this 15 year look back, the Tax-Free IUL produced more than 4.5 times more after tax income than the 401(k).

Video shows how the tax-free IUL works. No Stock Market Losses, so no downside risk. Gains are locked in annually, so you never give back profits already earned. Share in market upside up to a 14% cap. Current IUL caps are 13% to 16% depending on the index chosen.

https://youtu.be/9aC19FsQykQ

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.

Safe Income Strategy, Tax-Free IUL, Tax-Free Pension Alternative, Tax-Free Retirement Plans

Stock Market Losses and Taxes Driving You Crazy?

Video September 11, 2014 Bruce E Cox CPA

Stock Market Losses???

High Taxes!

Hate Paying Taxes and Losing Money In the Stock Market?

https://youtu.be/8E1ZqALS7Jo

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. A client called the Tax-Free IUL spectacular, a game changer! No downside risk. No more Stock Market Losses. Tax-free income for life. Plus you earn a reasonable rate of return. He called it “The 401(k) Replacement!”

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

During the Financial Market melt down of 2008 and 2009, when many people saw their IRAs, 401(k)s and mutual funds cut in half, none of our clients lost money due to market volatility in their tax-free pension alternative or tax-free IUL.

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

Their money was safe and secure. Their tax-free income was steady and reliable.

The Tax-Free Pension Alternative, the Tax-Free IUL 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 a free illustration

Retirement Income, Tax-Free IUL, Tax-Free Pension Alternative, Tax-Free Retirement Plans

Tax-Free Pension Alternative: Sara’s Story

Video September 11, 2014 Bruce E Cox CPA

What The Tax-Free Pension Alternative can do for you! Sara’s Story

Watch the short Retirement-Toolbox video.

https://youtu.be/zROM_C0irQ4

Sara, age 68 Worried about Stock Market Losses has been Rolling over CDs, earning less than 1% on her money. 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.

Escape the 1% World of Bank CDs with a Tax-Free Pension AlternativeThis strategy works. Clients love this Tax-Free Pension Alternative, also known as living benefit life insurance, the Tax-Free IUL.

This strategy works. Clients love this Tax-Free Pension Alternative, also known as living benefit life insurance, the Tax-Free IUL.

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!

Request an illustration.

Tax-Free IUL, Tax-Free Pension Alternative, Tax-Free Retirement Plans

How a 25 year old could retire with $246,000 a year in Tax-Free Income

Video September 11, 2014 Bruce E Cox CPA

Tax-Free Income for Life

Imagine you are 25 and you discovered a way to retire at age 66 with $246,000 a year in tax-free income. Would you pay attention?

Discover the Tax-Free Pension Alternative, also known as living benefit life insurance or the Tax-Free IUL. Watch the Retirement-Toolbox video.

https://youtu.be/TCOMUgBVlVo

Tax-Free Retirement Plans provide tax-free income that can last a lifetime.

A 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 agreed. He’ll retire at age 66 with $246,000 in tax-free income for life based on the historical rate of return. John understood the magic of tax-free compounding when 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 and John is on his way to a wealthy retirement.

None of Our Clients lost money in their tax-free pension alternative. Their money was safe and secure. Their Tax-Free Income was steady & reliable. — None of Our Clients lost money in their tax-free pension alternative. Their money was safe and secure. Their Tax-Free Income was steady and reliable.

Retirement Income, Tax-Free IUL, Tax-Free Pension Alternative, Tax-Free Retirement Plans

Tax-Free Pension Alternative Save’s Robert’s Retirement

Video September 10, 2014 Bruce E Cox CPA

Tax-Free Pension Alternative Save’s Robert’s Retirement

Robert had no retirement savings. The Future looked bleak. Then Robert discovered The Tax-Free Pension Alternative, also known as living benefit life insurance or the Tax-Free IUL.

https://youtu.be/D-p-ehGl9oM

A 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!” Robert age 51 agreed. He’ll retire at age 71 with $57,000 in tax-free income for life based on the historical rate of return.

Robert achieves this by saving $1,000 a month in his tax-free pension alternative, his tax-free IUL and earning the historical rate of return of 8.11%. Now, Robert can access this living benefit life insurance along the way via tax-free policy loans, to fund large purchases or handle emergencies. If he does not repay these policy loans, his projected $57,000 a year in tax-free income will be reduced. He has the choice of paying off the loans during his lifetime or out of the death benefit.

Rather than applying for a loan and paying interest to a bank, you can borrow against your tax-free pension alternative and pay yourself interest. No credit checks required. Ask me about this.

Tax-free pension alternative: Tax-free penalty free cash when you need it, at any age for any reason in your tax-free retirement plan. — Tax-free penalty free cash when you need it, at any age for any reason in your tax-free retirement plan.

Safe Income Strategy, Tax-Free IUL

Jack & Carol’s Annual Gifting Strategy: Tax-Free Pension Alternative

Video September 10, 2014 Bruce E Cox CPA

Jack & Carol’s Annual Gifting Strategy. Their Gifting Story.

Setting their granddaughter’s up for a lifetime of tax-free income using the tax-free pension alternative, known as the tax-free IUL.

Watch the video for a more complete story.

https://youtu.be/cT8Xz6QGNuc

The Tax-Free Pension Alternative, also known as living benefit life insurance or a Tax-Free IUL works as a great gifting strategy. Jack & Carol used this to set up their granddaughter’s with a lifetime of tax-free income. A gift that will keep on giving. They loved the IUL was IRS approved, there was no downside risk, withdrawals were tax-free and they earned a reasonable rate of return. This was an easy way for their granddaughters to retire wealthy.

They’ll contribute as long as they can and this is something their granddaughters can also contribute to as they move forward in life.

Gifting Strategy Using the Tax-Free Pension Alternative known as a Tax-Free IUL

Tax-Free IUL, Tax-Free Pension Alternative, Tax-Free Retirement Plans

David’s Retirement Rescue Story: The Tax-Free Pension Alternative

Video September 10, 2014 Bruce E Cox CPA

The Tax-Free Pension Alternative can be used as a Retirement Plan Rescue Strategy for Those Facing a Retirement Shortfall.

https://youtu.be/3SqVt8iye28

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.

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.

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!

Retirement Toolbox Tax-Free Pension Alternative

Tax-Free is Better Tax-Free Pension Alternative

Retirement Income, Tax-Free IUL, Tax-Free Pension Alternative, Tax-Free Retirement Plans

Wealth Creation With Tax-Free Retirement Plans

Video September 10, 2014 Bruce E Cox CPA

Wealth Creation with Tax-Free Retirement Plans … The Best Kept Secret to Reaching Financial Independence

Retirement Strategies: The Tax-Free Pension Alternative. Watch the Video it’s a game changer.

https://youtu.be/YJzgMpBL3aU

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.

Tax-Free IUL, Tax-Free Pension Alternative, Tax-Free Retirement Plans

Documents Needed for a Tax-Free Pension Alternative

Video September 9, 2014 Bruce E Cox CPA

Documents Needed for a Tax-Free Pension Alternative

https://www.youtube.com/watch?v=vQjlSbeFq4U

Tax-Free IULs and Tax-Free Retirement Plans are Safe Income Strategies that can lead to financial independence and mind blowing retirement options. It is worth your time to gather the documents needed for you application.

Video discusses the documents needed for your Tax-free pension alternative or IUL Application to determine suitability and health risk. The Application asks for financial information: your income and net worth. Health questions: medical history, current medications, family health — Parents & Siblings.

Answers to the Health questions can be provided directly to the insurance company during the telephone verification process.

Answers to Financial questions help determine financial suitability of the plan. Can you afford it? Is the level of insurance appropriate to your financial position?

Your time is valuable too, so having this information available prior to taking the application will speed up the process. You can upload documents securely to http://www.bruceecoxcpa.com/secure-document-upload.html

Tax-Free IUL, Tax-Free Pension Alternative, Tax-Free Retirement Plans

Tax-Trap. Conventional Wisdom says max fund your 401(k).

September 9, 2014 Bruce E Cox CPA

This is a Tax-Trap that could crush your retirement savings.

Tax-trap: conventional wisdom says to max fund your 401(k).

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://www.bruceecoxcpa.com

Tax-Free IUL vs. 401(k)…a 15 year look back of the S&P 500.

Stock Market Losses???

High Taxes!

Hate Paying Taxes and Losing Money In the Stock Market?

What The Tax-Free Pension Alternative can do for you! Sara’s Story

Tax-Free Income for Life

Imagine you are 25 and you discovered a way to retire at age 66 with $246,000 a year in tax-free income. Would you pay attention?

Tax-Free Pension Alternative Save’s Robert’s Retirement

Jack & Carol’s Annual Gifting Strategy. Their Gifting Story.

Setting their granddaughter’s up for a lifetime of tax-free income using the tax-free pension alternative, known as the tax-free IUL.

The Tax-Free Pension Alternative can be used as a Retirement Plan Rescue Strategy for Those Facing a Retirement Shortfall.

Wealth Creation with Tax-Free Retirement Plans … The Best Kept Secret to Reaching Financial Independence

Documents Needed for a Tax-Free Pension Alternative

Tax-trap: conventional wisdom says to max fund your 401(k).

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.

Tax-Free Retirement Income, High Yield CD Alternatives and other Safe Income Strategies