Category Archives: tax-free IULs

Retirement Dreams Recovered with a Tax Free IUL

Retirement Dreams Recovered with a Tax Free IUL

Imagine your retirement dreams restored!

No longer strapped for cash in retirement.  Your retirement dreams be restored,  as you enjoy travel, leisure activities like golf, quality time with your grandchildren, and activities with your spouse!

https://www.youtube.com/watch?v=9EUUC4CePSY

The Tax Free IUL eliminates 3 Wealth Killers:  Market losses, Taxes and Wall Street commissions, hidden fees and expenses.

The Tax Free IUL eliminates 3 wealth killers dragging down 401k returns.
The Tax Free IUL eliminates 3 wealth killers dragging down 401k returns. 

Market losses are forever and compound just like gains. The money lost never works for you again.  Remaining funds have to do double duty playing catch up as you dig out of an investment hole.

Taxes are another wealth killer.  Did you know that if you withdraw $50,000 from your 401(K) the IRS could take $20,000?  If you leave $500,000 to your spouse and kids in your 401(k) the IRS could take $200,000?

Your 401(k) is one of the most expensive ways to save for retirement.  Wall Street Commissions, hidden fees and expenses can reduce your 401(k) balance by 33% over 30 years.  In other words, after 30 years, your 401(k) balance would be 50% higher without these fees.  This could cost you more than $500,000 over your working years.

Bottom line, you may only be a 40.2% partner in your 401(K)

33.0% to Wall Street

26.8 % to IRS (40% of 67%)

40.2% to you

The Perfect Retirement Solution, known as a Tax Free Retirement Plan, a Tax-Free Pension Alternative, Living Benefit Life Insurance and a Tax Free IUL eliminates the 3 Wealth Killers:  Market losses, Taxes and Wall Street commissions, hidden fees and expenses.

It has been called the perfect solution because:

  • You don’t lose money when the markets go down, so you are never digging out of an investment hole.
  • You share in market upside when the markets go up, subject to an annual market cap rate, currently 13% to 16%.
  • You’ll earn a reasonable rate of return.
  • Gains are locked in annually, so you never give back profits previously earned.
  • Withdrawals are tax-free penalty free at any age for any reason.

Tax-Free is better.  Watch the short video and call us with comments and questions. 

You can also request a free retirement plan comparison.

Imagine the Perfect Retirement Solution

Imagine the Perfect Retirement Solution

The Perfect Retirement Solution Looks Like This

The Perfect Retirement Solution Looks like This.
The Perfect Retirement Solution Looks like This.
https://youtu.be/t-IV8po04PA
The Perfect Retirement Solution has been known to triple after-tax retirement income
The Perfect Retirement Solution has been known to triple after-tax retirement income

The Perfect Retirement Solution, also known as a Tax-Free Pension Alternative, Living Benefit Life Insurance and a Tax-Free IUL solves this wealth killer by eliminating taxes and penalties on withdrawals.

It has been called the perfect retirement solution because:

  • You don’t lose money when the markets go down, so you are never digging out of an investment hole.
  • You share in market upside when the markets go up, subject to an annual market cap rate, currently 13% to 16%.
  • You’ll earn a reasonable rate of return.
  • Gains are locked in annually, so you never give back profits previously earned.
  • Withdrawals are tax-free penalty free at any age for any reason.
Imagine and learn about the Perfect Retirement Solution
Imagine and learn about the Perfect Retirement Solution

More videos at bruceecoxcpa.com tax-free-retirement-plans.com tax-free-income.com and dependable-income.com

Call Bruce E Cox CPA at 800-955-7898 for more information and an illustration.

 

Longevity Risk! Will You Outlive Your Income?

Longevity Risk! Will You Outlive Your Income?

Longevity Risk!  Will you outlive your income?
Longevity Risk! Will you outlive your income?

If you retire in your 60s or 70s, your money might have to last you 30+ years.  Many people run out of retirement income in 7 to 10 years. 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

Life Time Income Riders provide an Income you won't outlive.
Life Time Income Riders provide an Income you won’t outlive.
https://www.youtube.com/watch?v=lFk7n8IRCFQ

Our 3 Safe Income Strategies are focused on keeping your money safe, generating a steady reliable income you can count on, paying more than BankCDs, Money Markets & Treasuries, without the downside risk & yo-yo volatility of stocks, bonds, mutual funds or commodities.

These Strategies work.  During the Financial market melt down of 2008 & 2009, when many people saw their IRAs, 401(k)s & other retirement savings cut in half, none of our clients lost money using these strategies.

Their money was safe & secure, their income steady & reliable.

– See more at: https://dependable-income.com/

 

Risk of Financial Market Aftershocks

Risk of Financial Market Aftershocks

Worried the Obama Pelosi Reid Financial Market Aftershocks could send your portfolio down another 40% to 50%?

2008 Financial Market Melt Down.  Could more Financial market aftershocks cut your portfolio in half again?
2008 Financial Market Melt Down. Could more Financial market aftershocks cut your portfolio in half again?

Out of Control Federal Debt!

US Debt Clock

 

Will A Record of Failure Catch Up With Your Portfolio?

Apology and Appeasement

  • Our Enemies don’t fear us, are Allies don’t Trust Us.
  • Benghazi and the Rise of ISIS
  • Syria, North Korea and IRAN
  • Russia, Ukraine
  • Ebola, Unsecured Borders

Job Killers

  • Obamacare
  • Environmental Regulations
  • Assault on Energy Independence, Protection of Muslim Oil Interest
  • Growth of the Federal Government
  • Punishing Successful Entrepreneurs and Small Business Owners

Assault on Seniors

  • Artificially Low Interest Rates punish Seniors who Saved and sacrificed for a comfortable Retirement
  • Obamacare Healthcare Rationing
  • Retirement Tax-Traps that could confiscate 40% of IRAs, 401(k)s and 403(b) retirement plans and hinder Seniors ability to leave a legacy to love ones.
  • Obamacare Taxes
Our Safe Income Strategies kept your money safe and secure and your income steady and reliable
Our Safe Income Strategies kept your money safe and secure and your income steady and reliable

Our Safe Income Strategies are focused on keeping your money safe, paying more than Bank CDs, money markets and Treasuries, without the downside risk and Yo-Yo volatility of stocks, bonds and mutual funds.

These strategies work.  None of our clients lost money in our safe income strategies during the 2008 Financial Market Melt Down due to market volatility. They were protected from the financial market aftershocks.  Their money was safe and secure and their income steady and reliable.

Three Safe Money Ideas

Three Safe Money Ideas

Why Risk Losing Half Your Retirement Savings When You Don’t Have To?

Each of the safe money ideas on this site will provide steady reliable income, now and or in the future.

  1. The first safe money idea will provide a guaranteed high yield of 5% or better.
  2. The second safe money idea will provide an income you won’t outlive.
  3. The third safe money idea will provide a tax free retirement income.

During The Financial Market Melt Down of 2008

Many people saw their IRAs, 401(k)s and Mutual Funds cut in half.  It could happen again.

2008 Financial Market Melt Down
2008 Financial Market Melt Down

None of our clients using our Safe Income Strategies lost money due to market volatility during the market melt down.  Their money was safe and secure and their income was steady and dependable.

Our Dependable Reliable Income Streams fulfill our clients demand for Safe Money Ideas.
Our Dependable Reliable Income Streams fulfill our clients demand for Safe Money Ideas.

These safe income strategies will also protect your capital from market shocks.  Imagine no downside risk and market upside participation during the recovery years (Safe Income Strategy 2 and #3).

Clients Demand Safe Income Strategies

Clients Demand Safe Income Strategies

Dependable Reliable Income  Streams and Safe Income Strategies, are the latest demand for clients burnt by the 2008 Financial Market melt down.

During the Financial Market Melt Down of 2008 and 2009 not only did many people see their IRAs, 401(k)s and other retirement savings cut in half … their dividend checks were cut or eliminated, and interest income lowered.

Financial Market Melt Down of 2008. Many fear it could happen again. Clients demand safe income strategies with dependable reliable income streams.
Financial Market Melt Down of 2008. Many fear it could happen again. Clients demand safe income strategies with dependable reliable income streams.
Many fear it could happen again.
Are you prepared?
We Offer Three Safe Income Strategies that provide dependable reliable income streams
  • Focused on Keeping your money safe
  • Generating a steady dependable income stream you can count on,
  • Paying more than Bank CDs, Money Markets and Treasuries,
  • Without the downside risk and volatility of stocks, bonds and mutual funds.

The Safe Income Strategies work.

Our Dependable Reliable Income Streams fulfill our clients demand for Safe Income Strategies.
Our Dependable Reliable Income Streams fulfill our clients demand for Safe Income Strategies.
  • During the Financial Melt down of 2008 & 2009, none of our clients lost money due to market volatility with these strategies.
  • There Capital was secure and their Income was steady and dependable.