Is Superior to a 401k

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.

The Tax Free 401(k) alternative has been called the perfect retirement solution.  It has been used by the wealthiest American Families for more than 20 years to cut taxes and preserve capital.

It eliminates the 3 Wealth Killers dragging down 401k returns:  Market Losses, Taxes and Wall Street hidden fees, commissions and expenses.

Call 800-955-7898 for a free illustration

More videos at Taxfree.guru, retirement-toolbox.com and tax-free-income.com

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Will you be strapped for cash in retirement or will your retirement dreams be restored?  Will you enjoy travel, leisure activities like golf, quality time with your grand children, and activities with your spouse?

The Tax-Free Retirement Plan can help make your retirement years special, helping you accumulate enough money to provide income for 30 to 40 years of retirement.

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

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.

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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 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.

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.

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Did You Know

that if you withdraw $50,000 from your 401(k), the IRS could take $20,000?

if you leave $500,000 in your 401(k) to your spouse or kids, the IRS could take $200,000?

that up to 85% of your social security income could be taxed if your income (including 401 k ) is over $40,000 on a joint tax-return?  See calculator.

Medicare Part B premiums are needs tested, so your monthly premiums could triple if you make a lot of money (including your 401 k distributions)?

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Could Your Retirement Planning Ideas Be Outdated?  Are there better options available you are not aware of?  Most likely the answer is yes.  So, when do you want to find out, now when you can do something about it, or 20 years from now when it might be too late to shift course?

There has been a “Paradigm Shift” in Retirement Planning.  New thinking could triple your income after-taxes compared to 401(k) or 403(b) plan income.

This favorable IRS allowed strategy lends itself to “Zero” Tolerance for Retirement Taxes and “Zero” Tolerance for Stock Market Losses.

You no longer have to risk capital to earn a reasonable rate of return.

This relatively unknown tax-free solution has been quietly used by America’s wealthiest families to cut taxes and preserve capital.

The Tax-Free Pension Alternative, also known as living benefit life insurance or a Tax-Free IUL eliminates taxes and stock market losses.  It has been called a perfect retirement solution.

• 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 Markets go up, up to a cap rate currently 13.0% to 16.0%!
• You’ll Earn Reasonable Rates of Return!
• Your Gains are locked in annually, so you never give back profits already earned!
• Tax-Free Penalty Free Withdrawals at any age, the ultimate tax shelter!
• You can generate a Tax-Free Income You Won’t Outlive!

Retirement plans such as IRAs, 401(k)s and 403(b)s are heavily taxed when you withdraw money.  This looming tax-trap is a ticking time bomb that could blow up your retirement dreams.   Your looming tax-trap could be 6 figures.  The tax-free pension alternative gets rid of taxes on future contributions once and for all.  Additional strategies can help limit the damage on past contributions.

Many people by default follow conventional wisdom.  The same path their parents and grandparents followed.  They max contribute to a 401(k) or 403(b) retirement plan and in doing so they subject their future retirement withdrawals to substantial income taxes and stock market losses.  The double whammy of taxes and stock market losses could crush your retirement dreams.

Tax-Free is better.  Watch the short video, read the eBook referenced in the video and call us with comments and questions.

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Retirement Strategies: The Tax-Free Pension Alternative

You can protect your retirement with a tax-free pension alternative. With almost $18 trillion in debt and $118 trillion in unfunded liabilities for Social Security, Medicare and Prescription Drugs can you count on Social Security? Can you afford stock market losses?

What if you could generate a tax-free income for life with no downside risk? Watch this video.
Learn how you can eliminate Tax-Traps and kick your future retirement up a few levels … where the money is staggering and lifestyle options are mind blowing.

IRAs, 401(k)s and 403(b) retirement plans are heavily taxed and could cost you hundreds of thousands of dollars. So, skip the 401(k) herd mentality leading you to a tax slaughter. Discover an under the radar, little known IRS Strategy used by America’s wealthiest families to cut taxes and preserve capital.

The tax-free pension alternative works. It is also known as a tax-free IUL or living benefit life insurance. This tax-free retirement plan has been called the perfect retirement solution.

• 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 Markets go up, up to a cap rate currently 13.0% to 16.0%!
• You’ll Earn Reasonable Rates of Return!
• Your Gains are locked in annually, so you never give back profits already earned!
• Tax-Free Penalty Free Withdrawals at any age, the ultimate tax shelter!
• You can generate a Tax-Free Income You Won’t Outlive!

So, not only do you eliminate taxes you also get rid of yo-yo volatility and stock market losses once and for all. Plus, with this tax-free pension alternative, you decide how much and when to withdraw your money. Not the Government! There are no required minimum distributions (RMDs).

Pause the video and examine the two illustrations. It is a powerful, flexible catch up strategy if you have not put enough away for retirement.
New quick read eBook Explains How It Works

Kindle version https://www.amazon.com/dp/B00M0EQN0A

Free download and more videos /

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Entrepreneurs, Small Business Owners and High Earners you can eliminate Tax-Traps and kick your future retirement up a few levels … where the money is staggering and lifestyle options are mind blowing.

IRAs, 401(k)s and 403(b) retirement plans are heavily taxed and could cost you hundreds of thousands of dollars. So, skip the 401(k) herd mentality leading you to a tax slaughter. Discover an under the radar, little known IRS Strategy used by America’s wealthiest families to cut taxes and preserve capital.

The Strategy works. It is a tax-free IUL or living benefit life insurance. This tax-free retirement plan has been called the perfect retirement solution, the Tax-Free Pension Alternative.

• 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 Markets go up, up to a cap rate currently 13.0% to 16.0%!
• You’ll Earn Reasonable Rates of Return!
• Your Gains are locked in annually, so you never give back profits already earned!
• Tax-Free Penalty Free Withdrawals at any age, the ultimate tax shelter!
• You can generate a Tax-Free Income You Won’t Outlive!

So, not only do you eliminate taxes you also get rid of yo-yo volatility and stock market losses once and for all.
New quick read eBook Explains How It Works

Kindle version https://www.amazon.com/dp/B00M0EQN0A

Free download and more videos /

• So, if you hate paying taxes and hate even more losing money in the stock market, pay close attention.
• If you are worried you won’t have enough money to enjoy your retirement, this strategy will help you generate a tax-free income you won’t outlive.
• If you want to implement a gifting strategy for your children or grandchildren, the tax- free IUL is a vehicle that can keep on giving with a lifetime of tax-free income.
• If you like the idea of having a tax-free emergency fund to tap as needed, the tax-free retirement plan is for you.
• If you would like to be your own bank, funding big ticket items with retirement funds, paying interest to yourself rather than a bank, this could work for you.

Fortunately, the quick and easy to implement tax-free retirement solution addresses all of the above.

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History of the Tax-Free Pension Alternatives  vs. 401(k)…a 15 year look back of the S&P 500.

A 15 Year Look Back: $100,000 Initial Investment S&P 500 Index vs. Tax-Free Pension Alternative Indexed to S&P 500 With 14% Cap and 0% Floor.

Bottom Line after 15 years $8,300 Taxable 401(k) income vs. $23,000 Tax-Free Income in the Pension Alternative.

$150,000 Taxable 401(k) Assets vs. $254,000 Tax-Free Assets in the Tax Free Pension Alternative.

During this 15 year look back, the Tax Free Pension Alternative produced more than 4.5 times more after tax income than the 401(k).

Video shows how the tax-free pension alternative works. No downside risk. Gains are locked in annually. Share in market upside up to a 14% cap.

The Tax-Free Pension Alternative is also known as Tax-Free IUL and as Living Benefit Life Insurance.

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Retirement Plans are heavily taxed. Did you know that if you withdraw $50,000 from you 401(k), the IRS could take $20,000? Did you know if you leave $500,000 in your 401(k) to your spouse or kids, the IRS could take $200,000?

There is a little known IRS approved strategy that the wealthiest top 10% of American Families, including the top 1% have been using for more than 20 years to cut taxes and preserve capital. The Strategy works. It has been called the Perfect Retirement Solution.

• You don’t lose money when the markets go down!
• Share in Market Upside when Markets go up!
• Earn Reasonable Rates of Return!
• Gains Locked In Annually!
• Tax-Free Penalty Free Withdrawals at any age!
• Tax-Free Income You Won’t Outlive!

It is also known as The Tax-Free Pension Alternative and Living Benefit Life Insurance.

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Hate Paying Taxes and Losing Money In the Stock Market?

There is a little known IRS approved strategy that the wealthiest top 10% of American Families, including the top 1% have been using for more than 20 years to cut taxes and preserve capital.  A client called the Tax-Free IUL spectacular, a game changer! No downside risk. Tax-free income for life. Plus you earn a reasonable rate of return. He called it “The 401(k) Replacement!”

The strategy has been under the radar.  Most advisors never heard about the strategy or did not understand how powerful it had become with the advent of living benefits life insurance.

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