Customize a Compound Interest Tax Free Retirement

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Reason 1: Many financial advisors are unaware of the existence of certain tax-free accounts, nor do they know how to set them up in a way that ensures they remain legally tax-free for the account holder.

Reason 2: A significant number of financial advisors recommend investment products based on the directives of the company they work with, rather than truly customizing advice to suit their clients’ needs.

Reason 3: Financial advisors may be hesitant to suggest alternative options because they could face a reduction in income. In accounts like IRAs and 401(k)s, they earn fees and commissions based on the deferred tax liability, which ultimately increases your overall investment costs.

As a result, fewer than 0.07% of Americans have a compound interest account in place, while more than half of the population is enrolled in taxable 401(k)s or similar tax-deferred retirement plans.

• You’ll have to pay taxes at some point—either upfront or when you start drawing income later.
• Your funds are not easily accessible (you can’t access your money whenever you wish, and if you take a hardship withdrawal, you’ll face significant penalties).
• There are restrictions on how much you can contribute (many tax-advantaged plans come with annual contribution limits).
• Your investments are not guaranteed (the value in your 401(k) or IRA can grow in a rising market but will also decrease during downturns).
• You must report your earnings to the IRS (everything in a 401(k) or IRA is subject to oversight by the government).

The IUL/Annuity is NOT available just to the super-rich… 

However: an account like this can only be technically set up if you or your family qualify for it.

To discover if you qualify for an IUL, take our 45 second survey below.