Tax Free Retirement
We can help you.
Taxes are increasing
Your 401(k) will be taxed later at some unknown rate.
No volatility
What happens when the market goes down?
Liquidity
With a 401(k) or IRA, you have limited access to your money until age 59 ½
Permanent Death Benefit
Your family is protected, no matter what happens.
Indexed Universal Life: what it is, and why you should consider it
Most people have heard of term and whole life insurance, but are unfamiliar with indexed universal life insurance (IUL). Here are some key points about an IUL and why I often recommend them to my clients.
5 Reasons I Believe in the Tax-Free Retirement Account (TFRA)
Taxes are Increasing
Unless Congress acts taxes will automatically increase in 2026. If your only source of retirement savings is your 401(k), every penny of that money will be taxed later at some unknown rate. I want to help you prepare for the tax train headed your way.
No volatility
Although the past several years have seen market growth, what happens when it goes down again? With a TFRA, you are protected from market loss. Because your account value is locked in, when the market goes down you do not suffer a loss.
Liquidity
With a 401(k) or IRA, you have limited access to your money until age 59 ½. In the TFRA, your money is always liquid. You can access the cash at any age tax-free. Essentially, you are your own bank.
Living Benefits
Benefits you don’t have to die to access that work similarly to a long-term care policy. These benefits can help relieve the financial stress and bring peace of mind during a chronic, critical or terminal illness.
Permanent Death Benefit
Permanent coverage ensures your family is protected, no matter what happens or when. With the recent pandemic in mind, I encourage you to think about what would happen if you died too soon without a plan in place for your family.
%
of Working age individuals
have retirement savings of less than one year of income.
To maintain their standard of living in retirement, the typical working American needs to replace roughly
%
of pre-retirement income
Sources based on the data shared by Rex Nutting-Market Watch (2016), Surveys conducted by OnePoll for LifeHappens.org (2020), plansponsor.com article retirement concerns remain (2019).
