Wealth preserved with wisdom, invested with foresight and transferred with intention becomes the foundation of a lasting legacy.
Protect the Future You’ve Worked For.
The Future You’ve Earned.
You’ve spent years building a career, a home, a life worth living. But life has its own plans and even the most prepared clients can’t predict tomorrow.
When it comes to planning for retirement, your savings are only part of the story. They way your money is taxed can have just as much impact on your financial security as how much you’ve set aside. Smart tax planning helps ensure that you keep more of what you’ve worked so hard to earn. Every dollar lost to taxes is a dollar that can’t be used for living expenses, travel, healthcare or legacy planning. By taking advantage of tax-efficient strategies, you can extend the life of your nest egg and enjoy a more comfortable lifestyle throughout retirement.
Future tax rates are uncertain, but building tax flexibility into your retirement plan can help you adapt. Balancing traditional tax deferred accounts like 401(k) or 403(b) with other tax advantaged accounts like ROTH IRAs and IUL policies; we can help you gain control over how and when you pay taxes.
Eliminate Income Tax on Retirement Income
When compared to traditional retirement savings options, the IUL policy holds unique advantages. Traditional retirement plans often have contribution limits, early withdrawal penalties, mandatory distribution rules and risk of loss. In contrast, IUL policies can offer greater flexibility without contribution limits, no early withdrawal penalties and no required minimum distributions. Additionally, unlike other retirement options, the IUL can provide cash value growth that enjoys downside protection. By protecting from loss and enjoying market-indexed growth, the IUL can provide more income for retirement.
Increase Your Retirement Income
Protect Your Savings
The S&P 500 Index took nearly six years to recover from the losses caused from the Dot Com Crash of 2000. It took nearly 15 years for the Nasdaq to recover. In 2008, The Global Financial Crisis caused the S&P 500 to drop about 50% from it’s peak and it took about 5.75 years to recover. Most IUL policies have guaranteed floors that act as a minimum earnings rate, protecting you from negative market. By protecting your hard earned savings, you can rest assured that your retirement plan stays on track and your goals are protected.
“45% of workers saw their retirement account balances decrease by thousands of dollars between Spring 2009 and Fall of 2011”
Choosing the right company to align with your goals is important. We only work with the best A+ rated companies in the industry.
Looking for an instant quote on Term Life Insurance?
No Medical Exam. Fully Digital Application Process. Flexible Coverage Options.
Coverage up to $2m for over 90% of applicants with coverage options to fit different budget and needs. With a dedicated support team and a money-back guarantee, Ethos is the right place to start for Term Life Insurance.
