Tax Free Retirement Account

Tax-Free IUL Savings Tool  

SAFETY OF PRINCIPLE: 

Your Money is NOT invested in the Stock Market. Your Money is NOT subject to volatility. Your Money is NOT exposed or subject to investment risk. Your Money is NOT subject to investment loss. All annual growth is LOCKED-IN permanently & CANNOT depreciate in value. 

TAX CONSEQUENCES: 

Your Money grows TAX-FREE. There are NO Taxes when you retire & withdraw your money. There are NO Taxes when you die. There are NO taxes when you pass your money to your family. 

ACCESS TO YOUR MONEY: 

You can access your money whenever you need it. There are NO early withdrawal penalties. You don't have to pay it back.

RESTRICTIONS: 

There is NO limit on how much you can contribute to your plan on an annual basis (Up to MEC limit). There is NO age restrictions for withdrawal.

FEES: 

Charges are a fraction of the expenses & administration costs of a traditional qualified plan. 

EFFECTS ON SOCIAL SECURITY: 

Allows you to gain MAXIMUM value of the benefit. 

LIFETIME INCOME: 

If properly structured, account value can assure lifetime income. 

401K - IRA - Pension

NO SAFETY OF PRINCIPLE: 

Your Money IS invested in the Stock Market. Your Money IS subject to volatility. Your Money IS exposed and IS subject to investment risk. Your Money IS subject to investment loss. All annual growth is NOT LOCKED-IN permanently & CAN depreciate in value. 

TAX CONSEQUENCES: 

Your Money grows TAX-FREE. You PAY Taxes when you retire & withdraw your money. You PAY Taxes when you die. You PAY taxes when you pass your money to your family. 

ACCESS TO YOUR MONEY: 

You have LIMITED ACCESS to your money. You PAY early withdrawal penalties. You HAVE TO PAY it back. 

RESTRICTIONS: 

There Is a limit on how much you can contribute to your plan on an annual basis. There Is an age restriction for withdrawal 

FEES: 

Fees and expenses charged are significant in order to cover investment expense and the administration of your account even if the account depreciates in value. 

EFFECTS ON SOCIAL SECURITY: 

Plan benefits are counted as Ordinary Income, thus lower benefits. Will be Means Tested. 

LIFETIME INCOME: 

Because of TAXES, FEES and market volatility - lifetime income cannot be achieved.