"Diversification" alone is no match for GUARANTEES

FIXED INDEXED ANNUITY ROTH IRAs

• THE ULTIMATE TAX-FREE "PENSION" 
• ALL UPSIDE GAIN - ZERO MARKET RISK
• Guaranteed "PAYCHECKS and PLAYCHECKS"

Consistent realialble income each month no matter what that you cannot outlive

THE PERFECT STRATEGY - THE PENSION Roth IRA

1. Open a Roth IRA and fund it with a "Fixed Indexed Annuity" to capture all upside market gains with 100% guaranteed ZERO downside market loss
2. Maximum fund your Roth IRA on yourself and your spouse if you both qualify
3. If you have a Roth 401K at work or through your company - max that out also
4. When you are ready to retire, consolidate your Roth IRA and Roth 401K to create guaranteed life income you CANNOT outlive
5. ENJOY LIFE - SLEEP WELL. You have just created the ULTIMATE TAX-FREE  guaranteed life income PENSION both you and your spouse cannot outlive,  with ZERO worries about market loss or ever running out of money

But Roth IRAs also have some serious rules and limitations and IRS penalties for early withdrawal to be aware of :

• 10% IRS Penalties if money is taken out in the first five years or before the age of 59 1/2
• IRS annual contribution limits
• IRS income limits - unavailable to high income earners
• Contributions must be made by April 15th
• No "catch-ups" allowed - use it or lose it
• Roth IRAs must only be funded with "Earned Income," which can only come from "SALARY" - NOT S-Corp or LLC "Distributions" or rental income
• Cannot be used for children
• The "LIRP" alternative can address these issues!

TAX-FREE RETIREMENT PLANING ON STEROIDS

• "LIRP"stands for "Life Insurance for Retitrement Plan" and these plans have been used for many years by the affluent. 85% of highly-compensated CEOs of fortune 500 companies use LIRPs to create substantial tax-free income in their retirement years

• The LIRP is an ingenious powerful retirement planning strategy that involves using a properly designed cash value life insurance policy - specifically for the purpose of building up the maximum amount of  CASH VALUE that can be accessed 100% TAX-FREE at any age - even before 59 1/2. 

• Properly designed, there are NO CONTRIBUTION  LIMITS like there are with Roth IRAs. The IRS has formulas and requires minimum amounts of life insurance death benefit to be in place. The bigger the life insurance death benefit - the more money you can put into the LIRP

THE PARADIGM SHIFT

With "Term Life" Insurance the goal is to get the MOST quality life insurance coverage at the lowest cost. With the LIRP, the exact opposite is true. The goal is to MAXIMIZE contributions, to get as MUCH money as possible into the plan. The more money you save, the more money you will have in retirement

FIXED INDEXED UNIVERSAL LIFE INSURANCE (IUL)

The IDEAL Policy Choice

IUL is a powerful tool with NUMEROUS advantages

• 100% TAX-FREE Retirement Income
• Unlimited Contributions
• Access to cash before 59 1/2 with no IRS 10% penalties 
• NO April 15th contribution deadlines
• Catch-Up payments allowed
• NO Required Minimum Distributions (RMDs)
• Life Insurance Tax-Free Death Benefits
• Opportunity for all UPSIDE market gains
• 100% Guaranteed ZERO downside market loss
• Money is not invested directly in the market
• Gains are based on positive changes in an INDEX such as the S&P 500 or Russell 2000, and others, etc. 
• All market gains are LOCKED-IN and annually
• Tax-Free income is not included in the "Provisional Income" calculation to determine if up to 85% of your Social Security can be taxed - HUGE.
• No "Earned Income" requirement -premium payments can come from anywhere - salary, corporate distributions, rental income, inheritance, etc.
• Great way to help children create tax-free income they can access at any age