Retiring Without Risk

WHY HAVE MY CURRENT ADVISORS NOT DISCUSSED USING CASH VALUE DYE INSURANCE AS A WEALTH BUILDING TOOL AS AN ALTERNATIVE TO 401(K) PLANS OR POST-TAX BROKERAGE ACCOUNTS?

If you’ll remember from the Foreword, I explained some of the problems in the financial services industry. Many Broker Dealers (the entity that most securities licensed advisors use to sell stocks and mutual funds through) forbid their licensed advisors from selling Equity Indexed Universal Life (EIUL) insurance policies.

Additionally, Broker Dealers do not like their advisors to use products that take money away from assets under management (which EIUL policies would certainly do if funded instead of 401(k) plans or post-tax brokerage accounts).

Couple the fact that most securities licensed advisors are not educated on Ern policies with the fact that many Broker Dealers forbid or strongly discourage the use of such products, and it’s no wonder that the vast majority of securities licensed advisors do not use EIULs or any kind of cash value life insurance as a protected and tax-favorable wealth-building tool.

This was the flaw in the financial planning area that cost millions of Americans billions of dollars when the stock market crashed in 2007-2009.

Excerpt from “Retiring Without Risk”, by Roccy DeFrancesco, J.D.

Is it time to retire the 401(K) retirement plan?

The retirement question that you should want to answer now: Is it time to retire the 401(K) retirement plan?

For most people the two most compelling reasons that cause a roadblock to a safe and secure retirement income are the continual volatility of the stock market and the future probability of an unknown higher income tax rate that awaits you. But wait-there’s more; There are two more hidden roadblocks just as sinister waiting for you in your ‘qualified plan’. 1) Longevity Risk: Will you outlive your income? and 2) ‘Sequence of Returns’ Risk: When will the next stock market correction happen-sooner or later- just before you retire or just after you do?

So, “The retirement question is”: To defer or not to defer your present income taxes is a question that CPA’s, Financial Planners, Life Insurance Agents, and Economist will continue to debate ad infmitum, because the financial winds of volatility and uncertainty blow in ways to continue this mystique for all of time. Please note: Income tax deferral will just partner you up with the IRS rules to share your

future income with them at an unknown income tax rate at that time; Or you may pay those taxes now when income taxes are at the lowest in years and most likely will never be this low again, and then you can look forward to a tax-free retirement income that you can never outlive.

Could your answer come from a published author, PBS contributor and educator Ed Slott, CPA?

Ed suggests: “Life Insurance is the biggest benefit in the IRS tax code because the money comes out tax-free and there is no limit to this tax break. Life Insurance is the best way to leverage money and too, the single best way to leverage the tax code to build real wealth that is free and clear of taxes. Tax-Free money, wow! !” Ed Slott, CPA

And the answer is: A meaningful tax-free retirement income that can be yours’ and awaits you and how all of the many inherent benefits relate to your future financial security…

 

Retirement Question

When you retire, will your income be taxable and at market risk?

THERE IS AN IRS APPROVED TAX-FREE ALTERNATIVE,  It is called “My Private Pension Plan”. Please watch the videoThe401KAltemative(only 14 minutes).

The Story:

Before Columbus set sail in 1492 most people believed the world was flat and they would say, “if you go beyond that point, there are dragons out there”, meaning your demise of course. But his commitment found the “New World”.

Mt. Everest; the descent, we know, is many more times more deadly than the assent, in 1996 alone 23 people meet with their demise, before that one in four perished….

401(K)ts, According to the Employee Benefit Research Institute with 1,160,000 participants and

45,000 401(k)’s, the average 401(k) runs out of money in only 7-8 years, and even with a full company match of 6% that is only extended to 8-10 years, meaning no more income and your own financial demise. Should you wish to avoid the ‘taxation dragons’ that await you beyond this point, and the descent of eroding stock market losses within your ‘qualified’ retirement plans,

then…

Be your own Queen Isabella, and finance your very own safe journey to the “New World” of a Tax-Free retirement income that you can never outlive, and set sail in your IUL miracle ship where “Growth, Protection, and Income” will create for you your very own “Family Financial Miracle”. Life Boats on Board:

  • Earn a good rate of return; with Guarantees;
  • No income taxes on the gains or income, ever;
  • Access to your money anytime you want it with no 10% penalties.
  • Your funds are completely safe, with a contractual guarantee of no stock market risk or losses, ever;
  • No government interventions; No limit on contributions. No required minimum distributions at any age. Access to your funds for any reason with no credit checks.
  • And upon your demise, all of the remaining funds flow to your heirs 100% income Tax-Free, and there is much more to share with you…

Set sail on the HMS Minnesota (Sailing since 1880) Before sailing instructions:

“All Aboard”www.The401KAlternative.com

Let’s take this journey together and you will have a peace of mind financial experience that will last a lifetime. Thank you…

 

Is it time to retire the 401(K) retirement plan?

The Retirement Question: That you should want to answer now

For most people, the two most compelling reasons that cause a roadblock to a safe and secure retirement income are the continual volatility of the stock market and the future probability of an unknown higher income tax rate that awaits you. But wait, there’s more; There are two more hidden roadblocks just as sinister waiting for you in your ‘qualified plan’.

1) Longevity Risk: Will you outlive your income?

and

2) ‘Sequence of Returns’ Risk: When will the next stock market correction happen? Sooner or later? Just before you retire or just after you do?

So, “The retirement question is”: To defer or not to defer your present income taxes is a question that CPA’s, Financial Planners, Life Insurance Agents, and Economist will continue to debate ad infinitum, because the financial winds of volatility and uncertainty blow in ways to continue this mystique for all of time. Please note: Income tax deferral will just partner you up with the IRS rules to share your future income with them at an unknown income tax rate at that time; Or you may pay those taxes now when income taxes are at the lowest in years and most likely will never be this low again, and then you can look forward to a tax-free retirement income that you can never outlive.

Could your answer come from a published author, PBS contributor and educator Ed Slott, CPA?
Ed suggests: “Life Insurance is the biggest benefit in the IRS tax code because the money comes out tax-free and there is no limit to this tax break. Life Insurance is the best way to leverage money and too, the single best way to leverage the tax code to build real wealth that is free and clear of taxes. Tax-Free money, wow! !” Ed Slott, CPA

And the answer is: A meaningful tax-free retirement income that can be yours’ and awaits you and how all of the many inherent benefits relate to your future financial security…