Are you worried about RMD on your 401(k)?
Are you worried about RMD on your 401(k)? If you’re nearing retirement, Required Minimum Distributions (RMDs) on your 401(k) might feel like a ticking tax time bomb. Once you hit age 73, the IRS mandates you to withdraw a portion of your retirement savings annually—whether you need the money or not—potentially pushing you into a higher tax bracket. But what if there was a way to reduce this burden and create a tax-advantaged income stream? Enter the Flex Method. By leveraging an Indexed Universal Life (IUL) policy, you can redirect funds from your 401(k) or IRA into a tax-free growth vehicle. This strategy not only eliminates RMDs but also shelters your wealth from market volatility. The cash value in an IUL grows tax-deferred and can be accessed tax-free through policy loans, providing a steady income in retirement without triggering additional taxes. Enter the Flex Method. By leveraging an Indexed Universal Life (IUL) policy, you can redirect funds from your 401(k) or IRA into a tax-free growth vehicle. This strategy not only eliminates RMDs but also shelters your wealth from market volatility. The cash value in an IUL grows tax-deferred and can be accessed tax-free through policy loans, providing a steady income in retirement without triggering additional taxes.
Secure Your Retirement with Other People’s Money
Secure Your Retirement with Other People’s Money (OPM) How to Fund Your Retirement with OPM While Keeping Control and Access to Your Money Are you absolutely confident about your retirement plans, or do you have some doubts? Imagine if I could show you a way to secure your retirement using an investment-grade life insurance policy that generates double-digit, tax-free returns. How Leveraging OPM Works Leveraging OPM in a Simple Way: This strategy starts with you investing $100,000 to create an insurance contract with yearly premiums of $100,000. You then use the cash value of this insurance policy as collateral to secure a $100,000 loan from a bank to pay the premiums. By repeating this process annually for 20 years, with an assumed 5% growth rate and a 3% interest rate on the loan, you can accumulate substantial funds. By the 20th year, you will have contributed $2,000,000, out of which $100,000 was your own money, and $1,900,000 was borrowed. With the growth and interest, you could potentially have over $3,000,000. This results in a net gain of $113,000 in one year alone, representing a 113% return on investment. What Does This Look Like During Retirement? If you contribute $100,000 to the OPM Strategy and the bank matches that contribution every year, starting to take distributions in year 10, here’s what you could expect: In your first year of distribution (year 10), you could take out $42,000. This amount will steadily increase, and by year 35, you could take out $579,000! The best part? All these distributions are tax-free! Your Numbers During Retirement Even after 35 years, the distributions don’t stop. The growth curve continues to get steeper, allowing you to keep taking increasing distributions. In year 10, when you start taking distributions, your total cash value would be $946,642. Since $784,815 was financed, you would be left with $355,615. By year 35, even after taking $4,525,000 in total distributions, your net cash value will still be $2,057,605. In year 35, you would have a total of $9,564,225 working for you, which continues to grow through further financing and interest and dividends, allowing you to keep taking increasing distributions. What About the Death Benefit? Your life insurance policy offers an impressive 23.0% annual return, turning $100,000 into $4,525,000. Additionally, your premiums not only fund a death benefit for your heirs but also grow over time, surpassing your cash value. When you pass away, the death benefit pays off any outstanding loans and interest, leaving a tax-free sum for your heirs. Here are the accrued death benefit amounts on day 1, year 10, and year 35, after repaying any financing: This strategy allows you to leverage other people’s money to secure a comfortable and prosperous retirement, all while maintaining control and access to your funds whenever you need them.
The Untaxed Retirement Income Plan is often asked, where is the safest place for our money?
How safe are Banks? Banking regulation and supervision holds banks to certain requirements, restrictions and guidelines, that are enforced by a financial regulatory authority, generally referred to as banking supervisor. Banking regulation and supervision aims at ensuring that banks are safe and sound and promote market transparency between banks and the individuals and corporations with whom they conduct business. (However, banks lack the independent, stand-alone cross-over supervision that insurance companies enforce upon themselves.) Though bank failures get a lot of media attention, customer finances are usually not severely impacted; as long as they do business with an FDIC-insured institution and keep less than $250,000 per account ownership. Is it safe to keep more than $500,000 in a brokerage account? In most cases, the brokerage will liquidate on its own without needing the Securities Investor Protection Corporation to intervene. That being said, if the firm refuses or is unable to self-liquidate and the SIPC must step in, you may not be able to claim more than $500,000 in securities and cash. Therefore, the safest option is to move your money above that $500,000 SIPC coverage threshold to a different type of account, or to a different brokerage altogether. How safe are insurance companies If you decide to do business using the Untaxed Retirement Income Plan, your assets will most likely exceed the $250,000 or $500,000 limit levied by banks and the Federal Reserve; as well as the SIPC: either with the first deposit, or certainly after you have kept your Income Strategy in force for just a few years. Also, your death benefit, at the beginning will most likely exceed $500,000+, thus the imperative need for a financial institution more financially responsible then an FDIC bank or the Security Exchange Commission. Beyond your insurance company’s sheer financial strength, there are six safety nets to help guarantee the company will be able to pay its claims. The State Insurance Commissioner’s Office – can run and fund an insurance company, in the event it gets into financial trouble. You can be confident your policy will stay in force. Every life insurance company is audited by several independent ratings companies. Examples: Standard and Poor’s, Moody’s, Fitch, A.M. Best. The Untaxed Retirement Income Plan selects the very best companies to work with; based on: A. financial strength. B. the very best product for the client’s needs. C. how long the company has been in business. Additional protections include: One of the primary duties of state insurance departments is protecting policyholders from the risk of an insurance company in financial duress. If a life insurance company gets into financial trouble, the insurance commissioner, in the company’s home state, starts a process called rehabilitation to help the company regain its financial footing. Also, each state has a state insurance guaranty association, aka, The GA, that provides the necessary funds, to pay insurance policies in the event an insurance company, has financial trouble, or goes bankrupt. Each state’s GA is funded by every insurance company participating in that state. Also, there’s a nationwide organization called the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA). It’s made up of the life and health insurance guaranty associations of all 50 states and the District of Columbia.
Too good to be true!
Too good to be true! After 3 years, a policyholder, would have made 3 deposits into the Untaxed Retirement Income Plan with a projected gain of approximately 6- 8% interest. At the beginning of the fourth year, one of our financial partners, will make arrangements with a bank, that sets-up a low-interest loan, using a low-risk asset (the policy holders deposits). When a low interest loan, is set against a higher yielding cash value reserve account it creates what is called a profit spread, or arbitrage. The risk is practically non-existent to the policy holder, because the borrowed money is never spent. It is always there to pay the bank, if need be! When more money goes into the cash value reserve account it generates more interest income. Let me say it again; the more money there is in the policy holders reserve account, the more interest income it generates. Right! It is always nearly zero risk exposure, to the policy holder, because all the borrowed assets are easily accessible inside the policy holders cash value reserves. Our financial partner is a licensed registered investment advisor, (RIA) and an insurance agent, licensed in all 50 states. He is compensated by the insurance company. For 10 years, our partner has been helping clients to collateralize their premiums by using other people’s money, aka, low interest bank loans, to increase their total rate of return. As of 2024, there are hundreds of policies with more than a half billion dollars under management, creating assets, for policyholders. The Untaxed Retirement Income Strategy is the best retirement strategy: It is uncomplicated, and very profitable, very reliable, and nearly risk free. An Index Cash Value Life Insurance policy typically generates on average, 6-8% rate of return after the cost of insurance is paid. When arbitrage is combined with the policy, the average rate of return jumps to 10-16% tax-free without market losses or risks. If the market were to crash, which it has done 3 times in the past 25 years; there is a safety net in place which holds the insurance company responsible to absorb all index losses below zero, thus the policyholder’s, asset gains, are always protected, and this arrangement is declared, right up front, in the policy holder’s life insurance contract agreement. Compare that to the high probability of a 35-50% loss in savings, during a stock market recession or even a crash that may take 4-8 years to return an investors stock market assets to the break-even point. What if you are only months away from retiring when a crash occurs? What if you are retired and a crash occurs? Depleted savings, means, you will have less to spend, in a world economy, where inflation never sleeps. It’s very hard to replace, lost retirement dollars, even when the market is good. You didn’t save for your retirement, just so you would just barely get by, did you? The Untaxed Retirement Income Plan is the solution! The average stock market rate of return over the past 25 years was 7%, and then of course, there are taxes to pay, with your withdrawals! In the last 3 years inflation has increased well over 20%. Making your savings 1/5th less valuable then they were 3 years ago. Inflation never sleeps; it is always increasing the cost of living. We are not, in the, everybody else business. The Untaxed Retirement Income Strategy is a safe and consistent, retirement income, that consistently increases in value to protect against the catastrophic effects of inflation, and is a legal tax-free income for a life-time.
Qualified Retirement Plan Vs. Untaxed Retirement Income Plan
What if, you could just pay taxes on the money you earn, and not have to pay taxes on the money, your money earns? Here is a little, known fact: Everyone knows that all monies inside a Qualified Savings Plan, such as, a 401k, IRA, or 403b are subject to tax when money is withdrawn; but few realize, that any income withdrawal, from their Qualified Saving Plan will increase their total annual taxable income, which can increase their tax bracket, which will also increase their tax rate on their Social Security Income, as well. 2. What if, you could earn a safe, consistent rate of return, with one of the safest assets in the world; without ever endangering your portfolio to a stock Market Crash. Year 2000, the Dot.com Stock Market crash; took investors 4-8 years to reclaim their losses, because; one particular event, created a market crash? Year 2008, the Real Estate/Stock Market crash occurred that nearly paralleled, the crash of 1929. It took 3-6 years for investors to return their portfolio earnings to par. Year 2019, there was a Worldwide Pandemic/Stock Market crash. The government is still trying to improve our countries slow-moving economy; with very little success. Investors are still trying to restore their portfolios back to par from where they were in 2019. Here is a little-known fact: According to the Social Security Administration, if someone retires at age 65, a man’s life expectancy is age 83, and a woman’s, life expectancy is age 87. Non-smokers can add 5 additional years to their life. That means that presently a man and woman’s life expectancy during retirement is somewhere between 18 -27 years. Considering the history of the U.S. Economy for the past 25 years; it would be wise for investors to plan that similar catastrophic events, will happen during those 18-27 years of retirement. Why not safe-guard your portfolio now, while there is time? Redelsperger and Associates, can correct your retirement dilemmas. Significantly reduce your tax liability during retirement. Replace your paycheck, and receive annual raises on your retirement, for a lifetime.
Unlocking Financial Success: Why Start Infinite Banking Young?
Unlocking Financial Success: Why Start Infinite Banking Young? In the world of finances, timing can be everything. It’s no secret that many endeavors yield greater rewards when embarked upon at a younger age. This principle rings particularly true for those considering the venture into mutual whole life insurance and the concept of Infinite Banking. The Early Advantage Initiating a mutual whole life insurance policy at a young age presents undeniable advantages. Foremost among them is cost-effectiveness. By securing this policy in your youth, you pay considerably lower premiums than acquiring it later in life. This financial foresight not only ensures economical coverage but also sets the stage for substantial long-term benefits. The Power of Growth Envision this: a tailored policy optimized to maximize cash values. These cash values gain momentum as time elapses, evolving into a robust financial asset. Picture this asset as your personal pool of capital, ready to serve you when needed. Through Infinite Banking, you assume the role of your own financier, leveraging this accrued wealth intelligently for strategic financial maneuvers. The Role of Whole Life Insurance Mutual dividend-paying whole life insurance forms the cornerstone of this strategy. Its unique structure aligns seamlessly with Infinite Banking, fostering a symbiotic relationship between policyholders and the insurance company. This type of insurance isn’t just a protective blanket; it’s a dynamic financial tool designed to foster growth and financial security. Seizing Future Prosperity The allure of starting early isn’t merely about present-day affordability; it’s a blueprint for long-term financial success. Embracing this strategy while young ensures not only lower premiums but also an extended period for your capital pool to flourish, creating an invaluable asset as you progress through life’s stages. Architect of Your Financial Destiny So, why delay securing your financial future? By embarking on this journey at a young age, you set the wheels in motion for a lifetime of benefits. Imagine being the architect of your financial empire, sculpting your success story from the outset. The Final Verdict In summary, starting an Infinite Banking policy while young is a strategic move towards financial empowerment. It’s not just about minimizing costs; it’s about laying the groundwork for a prosperous financial future. Embrace this concept early, and you’ll be able to shape your financial destiny. The message is clear: act now, seize the opportunity, and become the author of your financial success story!
Unveiling the Power of Mutual Whole Life Insurance for Infinite Banking
Unlocking Financial Success: Why Start Infinite Banking Young? In the world of finances, timing can be everything. It’s no secret that many endeavors yield greater rewards when embarked upon at a younger age. This principle rings particularly true for those considering the venture into mutual whole life insurance and the concept of Infinite Banking. The Early Advantage Initiating a mutual whole life insurance policy at a young age presents undeniable advantages. Foremost among them is cost-effectiveness. By securing this policy in your youth, you pay considerably lower premiums than acquiring it later in life. This financial foresight not only ensures economical coverage but also sets the stage for substantial long-term benefits. The Power of Growth Envision this: a tailored policy optimized to maximize cash values. These cash values gain momentum as time elapses, evolving into a robust financial asset. Picture this asset as your personal pool of capital, ready to serve you when needed. Through Infinite Banking, you assume the role of your own financier, leveraging this accrued wealth intelligently for strategic financial maneuvers. The Role of Whole Life Insurance Mutual dividend-paying whole life insurance forms the cornerstone of this strategy. Its unique structure aligns seamlessly with Infinite Banking, fostering a symbiotic relationship between policyholders and the insurance company. This type of insurance isn’t just a protective blanket; it’s a dynamic financial tool designed to foster growth and financial security. Seizing Future Prosperity The allure of starting early isn’t merely about present-day affordability; it’s a blueprint for long-term financial success. Embracing this strategy while young ensures not only lower premiums but also an extended period for your capital pool to flourish, creating an invaluable asset as you progress through life’s stages. Architect of Your Financial Destiny So, why delay securing your financial future? By embarking on this journey at a young age, you set the wheels in motion for a lifetime of benefits. Imagine being the architect of your financial empire, sculpting your success story from the outset. The Final Verdict In summary, starting an Infinite Banking policy while young is a strategic move towards financial empowerment. It’s not just about minimizing costs; it’s about laying the groundwork for a prosperous financial future. Embrace this concept early, and you’ll be able to shape your financial destiny. The message is clear: act now, seize the opportunity, and become the author of your financial success story!
Harnessing Financial Freedom: Balancing Fixed Expenses and Variable Costs with Infinite Banking
Unveiling the Power of Mutual Whole Life Insurance for Infinite Banking Picture this: a life insurance policy not only safeguards your loved ones but also catalyzes your financial growth. That’s the unique promise of mutual whole life insurance – an opportunity that transcends mere coverage to amplify your financial potential through Infinite Banking. Partnership in Success With mutual whole life insurance, you’re not just a policyholder; you become a part-owner of the insurance company. This partnership extends beyond mere coverage, offering a direct stake in the company’s success. Annual dividends, a testament to this partnership, reward policyholders, paving the way for financial growth and stability. Unmatched Flexibility The dividends earned as a policyholder in a mutual whole life insurance policy aren’t mere payouts but versatile tools. They can be reinvested to amplify cash values or bolster death benefits. This flexibility offers a rare opportunity to tailor your insurance to meet evolving financial needs, securing your future while maintaining financial flexibility. Stability in an Unpredictable World In today’s fluctuating financial landscape, stability is gold. Mutual whole life insurance stands as an unwavering pillar of reliability. Premiums remain constant throughout the policy’s lifespan, offering a stable financial anchor. Dividends have been consistently credited to policyholders for over two centuries, a testament to its enduring reliability. Resilience in Changing Times Even in an era of low interest rates, mutual whole life insurance outshines other options. It continues to pay dividends, showcasing resilience amidst economic fluctuations. The tax-deferred growth further solidifies its appeal, shielding your investment from the uncertainties of stock market volatility. The Incomparable Value Proposition While non-mutual life insurance may attract lower premiums, it lacks the comprehensive benefits of mutual whole life insurance. Mutual life insurance’s value proposition, with its long-term benefits and stability, far outweighs the short-term appeal of lower premiums. Embrace Financial Freedom So, why opt for mutual whole life insurance in Infinite Banking? It’s not just about securing your family’s future; it’s about unlocking the potential for financial growth. Experience the advantages firsthand and embark on a transformative journey toward financial freedom. In conclusion, mutual whole life insurance is more than just a safety net; it’s a pathway to prosperity. By choosing this insurance, you gain a stake in a company’s success, ensuring stability, flexibility, and enduring financial security. Step into mutual whole life insurance and watch your financial dreams take flight.
Unleashing Financial Freedom: Conquering Debt with Infinite Banking
Unveiling the Essential Conditions for Embracing Infinite Banking Are you ready to seize the reins of your financial destiny through Infinite Banking? Buckle up for a straightforward, transformative process that empowers you to wield your money like a seasoned pro. Let’s embark on a journey through six steps that will revolutionize your financial playbook forever. Step 1: Lay the Foundation Your journey commences by securing a whole life insurance policy, preferably from a mutual insurance company. This policy becomes the bedrock of your personal bank. Opt for a permanent life insurance policy like Whole Life, renowned for its indispensable cash value component. Step 2: Tailor to Perfection Customize your policy with indispensable features like the Paid-Up Additions (PUA) rider. This turbocharges your life insurance plan, furnishing additional benefits. Choose a dividend-paying policy, inviting a downpour of dividends from the mutual life insurance company, further amplifying your wealth. Step 3: Power Up the Investment Fuel your policy to the maximum! Channel the maximum allowable contribution the IRS sets to supercharge your cash value growth. Overflowing your policy with funds means a more significant portion of those additional premiums cascades directly into your cash value, erecting your equity. Step 4: Capitalize on Policy Loans Once your policy accrues substantial cash value, unlock its potential by tapping into policy loans. These loans offer access to capital for diverse needs, spanning investments, business expenses, educational pursuits, or family escapades. The beauty? Your cash value burgeons while you utilize your policy as collateral for the loan. Step 5: Flexible Repayment Flexibility reigns supreme! Repay the cash value loan on your own terms. Make principal and interest payments, solely cover the interest, or defer repayment until you’re prepared for a lump sum settlement. Each repayment revitalizes your policy’s growth, augmenting your death benefit and cash flow. Step 6: Rinse and Repeat! Maintain the momentum! Continuously cycle through these steps throughout your lifetime to nurture your wealth and authentically craft your lifestyle. This perpetual wealth strategy thrives on cash flow – if money remains stagnant, it stagnates. Infinite Banking furnishes you with the keys to financial liberation. Seize control of your future, harness the potential of your money, and shape life on your own terms! Embrace this potent strategy, watch your wealth bloom, and commence your journey toward a thriving financial future. The adventure starts now!
Unveiling the Essential Conditions for Embracing Infinite Banking
Unleashing Financial Freedom: Conquering Debt with Infinite Banking Embarking on a journey toward financial freedom? The first and crucial milestone is not about saving or investing but conquering your debts. Before you set sail into the vast sea of financial opportunities, it’s imperative to prioritize settling your debts. Let’s explore why debt repayment is the cornerstone of your financial success. Understanding the Weight of Debt Debt can weigh heavily on your financial journey, acting as a persistent burden that hampers progress and costs you more in the long run. Tackling this head-on is the gateway to optimizing your financial potential. The Importance of Debt Repayment To truly harness the power of your money, debt repayment takes precedence. Neglecting this step can disrupt your financial voyage, hindering your money’s ability to thrive. Powerful Debt Repayment Strategies Enter the Snowball and Avalanche methods, two powerful tools to slay the debt dragon. In the Snowball approach, start by clearing smaller debts first, gradually progressing to larger ones. Eliminating these smaller debts frees up more resources to tackle the bigger fish. On the other hand, the Avalanche method prioritizes high-interest debts. Focusing on these substantial financial liabilities creates a robust momentum that propels you toward debt freedom. The Pitfalls of Minimum Payments Just making minimum payments won’t provide significant strides in your debt repayment journey. It’s crucial to consider interest rates and avoid relying solely on credit card rewards to regain lost money. Embracing Financial Discipline The key to debt liberation lies in discipline and financial acumen. Breaking free from the chains of debt involves prudent decision-making and a strategic approach to managing your finances. The Role of Infinite Banking Infinite Banking provides a unique platform for tackling debt while building wealth. By utilizing the cash value within a whole life insurance policy, you can leverage funds to accelerate debt repayment. This strategy offers flexibility and control, enabling you to strategize your financial moves while simultaneously working towards debt freedom. The Gateway to Financial Independence By conquering your debts, you clear the path towards financial freedom. This pivotal step empowers your money to work for you, aligning with your aspirations and dreams. In conclusion, the journey to financial freedom commences with vanquishing your debts. By integrating strategic debt repayment methods with the power of Infinite Banking, you unlock a world of financial possibilities. Seize this opportunity to embark on a debt-free future where your money empowers you to live life on your terms.
