Tag Archives: retirement income

Retirement Plans Comparative Table Tax-Free IULs vs. 401(k)s

Retirement Plans Comparative Table Tax-Free IULs vs. 401(k)s

Retirement Plans Comparative Table

Tax-Free is Better.  Retirement Plans Comparative Table Illustrates
Tax-Free is Better. Retirement Plans Comparative Table Illustrates
Tax-Free IUL401(k)403(b) IRA
Tax-Free IUL401(k)403(b) IRA
Tax-Free / Taxable IncomeTax-FreeHeavily TaxedHeavily TaxedHeavily Taxed
Penalty-Free WithdrawalsPenalty-Free withdrawals any age10% early withdrawal penalty under 59 1/210% early withdrawal penalty under 59 1/210% early withdrawal penalty under 59 1/2
Stock Market Losses and Yo-Yo VolatilityNo You don't lose money when markets go down.Yes Unless invested in CD, Money Market or Fixed AnnuityYes Unless invested in CD, Money Market or Fixed AnnuityYes Unless invested in CD, Money Market or Fixed Annuity
Gains Locked In AnnuallyYes You don't give back profits previously earnedNo Unless invested in CD, Money Market or Fixed AnnuityNo Unless invested in CD, Money Market or Fixed AnnuityNo Unless invested in CD, Money Market or Fixed Annuity
Earn a reasonable rate of returnYes You don't lose money when markets go down. Never digging out of an investment hole4.MaybeMaybeMaybe
RMDs Required Minimum DistributionsNo Government does not tell you when to withdraw money.YesYesYes
2014 Contribution LimitsNone Great for catchup Cannot make a single payment$17,500 401(k) elective deferrals $5,500 catchup if you are age 50 or older. annual compensation limit $260,000$17,500 403(b) elective deferrals $5,500 catchup if you are age 50 or older. annual compensation limit $260,000$5,500 (6,500 if you are age 50 or older) or your taxable compensation for the year.
Tax-Free Death BenefitYes Could be substantial vs. IRA, 401(k) or 403(b)No, plan balance is taxable to beneficiariesNo, plan balance is taxable to beneficiariesNo, plan balance is taxable to beneficiaries
Premium Financing and leverageYesNoNoNo
Government Controlls How much you can contribute; when you must take money out.NoYesYesYes

The Retirement Plan Comparative Table illustrates that Tax-Free is Better.  The Tax-Free IUL is more flexible.  Tax-Free penalty free withdrawals at any age for any reason.  Larger contributions are allowed, so it works better at a retirement catch up strategy.  It is also safer, as you don’t lose money when the markets go down.  Your qualified plans could be subject to substantial market risk.

Watch the Retirement-Toolbox Videos to learn more about the Tax-Free IUL.  It is also considered a Tax-Free Pension Alternative and Living Benefits Life Insurance.

The Tax-Free IUL is a life insurance policy with greater focus on living benefits than on death benefits.  The Living Benefits make it a great tax-free pension alternative.

Longevity Risk: Will You Have Enough Money in Retirement?

Longevity Risk: Will You Have Enough Money in Retirement?

Will You Have Enough Money in Retirement?

Longevity Risk

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 http://www.tax-free-retirement-plans.com.

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

A tax-free IUL will solve many of these issues.

Tax-Free retirement plans can triple after-tax retirement income stretching your money to help address longevity risk.
Tax-Free retirement plans can triple after-tax retirement income stretching your money to help address longevity risk.

What Does Tripling Your After-Tax Income Mean to Your Retirement?

What Does Tripling Your After-Tax Income Mean to Your Retirement?

IRS Tax-Traps. Retirement plans are heavily taxed. The IRS could take 40% of each withdrawal leaving your 60% in after-tax income
IRS Tax-Traps. Retirement plans are heavily taxed. The IRS could take 40% of each withdrawal leaving your 60% in after-tax income

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.

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

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

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

Tax-Free Pension Alternative vs. 401(k)  A 15 year look back of S&P 500
Tax-Free Pension Alternative vs. 401(k) A 15 year look back of S&P 500

 

A 15 Year Look Back: $100,000 Initial Investment S&P 500 Index vs. Tax-Free Pension Alternative 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 Pension Alternative.

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

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

Video shows how the tax-free pension alternative works. No downside risk. Gains are locked in annually. Share in market upside up to a 14% cap.

The Tax-Free Pension Alternative is also known as Tax-Free IUL and as Living Benefit Life Insurance.

Worried Stock Market Losses & Taxes Could Crush Your Retirement Accounts?

Worried Stock Market Losses & Taxes Could Crush Your Retirement Accounts?

IRS Tax-Traps. Retirement plans are heavily taxed. The IRS could take 40% of each withdrawal. Stock market losses & taxes could rip your retirement dreams apart.
IRS Tax-Traps. Retirement plans are heavily taxed. The IRS could take 40% of each withdrawal. Stock market losses & taxes could rip your retirement dreams apart.

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?

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. 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!

It is also known as The Tax-Free Pension Alternative and Living Benefit Life Insurance.

Do You Hate Paying Taxes and Losing Money In the Stock Market?

Do You Hate Paying Taxes and Losing Money In the Stock Market?

Volatility & Stock Market Losses eliminated with a Tax-Free IUL
Volatility & Stock Market Losses eliminated with a Tax-Free IUL

Hate Paying Taxes and Losing Money In the Stock Market?

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

Under the Radar IRS Strategy can triple after-tax retirement income, eliminate stock market losses & taxes.  So if you hate paying taxes this strategy is for you.
Under the Radar IRS Strategy can triple after-tax retirement income, eliminate stock market losses & taxes. So if you hate paying taxes this strategy is for you.

The strategy has been under the radar.  Most advisors never heard about the strategy or did not understand how powerful it had become with the advent of living benefits life insurance.

Rolling over money in CDs because you fear stock market losses?

Rolling over money in CDs because you fear stock market losses?

Rolling over money in low yielding Bank CDs? You could be earning 6% to 9% tax-free with no downside risk. Ask me how.
Rolling over money in low yielding Bank CDs? You could be earning 6% to 9% tax-free with no downside risk. Ask me how.

Rolling Over Money in CDs?

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.

Safe Income Strategy #3.  Tax-Free Retirement Income and No Stock Market Losses.
Safe Income Strategy #3. Tax-Free Retirement Income and No Stock Market Losses.

Safe Income Strategy #3 Tax-Free Income with No Stock  Market Losses

 

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. Safe Income Strategy #3 works. The Tax-Free IUL can Produce a Tax-Free Income You Won’t Outlive with no downside risk.

Escaping the 1% World of Bank CDs: Sara’s story

Escaping the 1% World of Bank CDs: Sara’s story

Escape the 1% World of Bank CDs with Safe Income Strategy #3.  Earn Tax-Free Income with No Downside Risk.
Escape the 1% World of Bank CDs with Safe Income Strategy #3. Earn Tax-Free Income with No Downside Risk.

Tax-Free is Better: Sara’s Story Demonstrates the Power of the Tax-Free IUL

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 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.

Worried You Won’t Have Enough Retirement Money?

Worried You Won’t Have Enough Retirement Money?

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

Will you have enough retirement money?

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.

Tax-Free Retirement Plans can help you generate enough retirement money to enjoy your retirement years.
Tax-Free Retirement Plans can help you generate enough retirement money to enjoy your retirement years.

Tax-Free is Better.  Tax-Free IULs can help you generate enough retirement money to enjoy your retirement.

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.

Facing a Retirement Shortfall Until Tax-Free IUL Rescues David’s Retirement Dreams

Facing a Retirement Shortfall Until Tax-Free IUL Rescues David’s Retirement Dreams

Retirement Shortfall?  You have options.  Watch the Retirement-Toolbox Video.

https://www.youtube.com/watch?v=3SqVt8iye28

 

Facing a Retirement Shortfall.  Will you be strapped for cash in retirement or will you act now to do something about it?
Facing a Retirement Shortfall. Will you be strapped for cash in retirement or will you act now to do something about it?

David did not put enough away for retirement and was facing a retirement shortfall. The Tax-Free IUL provided a rescue strategy to provide a tax-free retirement income David won’t outlive.
Tax-Free IULs are an IRS Approved 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!