If you have money in a 401(k), 403(b) or IRA, your contributions and earned interest has been deferred until after age 59 ½ when you can begin withdrawing. If you are fortunate enough to not have to retire off of your 401(k) there will still be a Required Minimum Distribution (RMD) amount you will need to withdraw annually beginning at age 70 ½.  The IRS wants their share of your retirement savings and earned interest.

We offer several vehicles to shelter your retirement from the IRS and market risk.

Our best vehicle is an IUL (Indexed Universal Life) Policy with a tax-free retirement income. Because it is indexed unlike a 401(k), you gain when the market is up, you stay put when the market is down, and you pick up where you left off when the market goes back up again. You never lose your principle or your earned interest. And because your putting in after tax dollars in a life policy all of your saved money and earned interest is available to you Tax Free! And if you get sick along the way to retirement, Accelerated Benefits can be there to help cover your costs.

If you are close to retirement or would like to transfer out of your fee heavy 401(k), we offer strategies with no minimum deposits, flexible payments, very little fees and a guaranteed life income after age 59 ½.

Call us today to learn how we can help you eliminate market risk, reduce taxes, reduce broker fees and save your retirement. It’s your hard-earned money shouldn’t you be the one that gets to keep it?