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Unlock a Tax-Free Retirement with the Rich Man's Roth

Maximize Your Savings with No Limits, No Penalties, and a Tax-Free Death Benefit for Your Loved Ones.

When it comes to retirement planning, most people have heard of traditional vehicles such as 401(k) and Roth IRA retirement accounts. However, a lesser-known option that has been popular among high-net-worth individuals is the cash value life insurance policy, also known as the "Rich Man's Roth."

A cash value life insurance policy is a life insurance contract that has a cash balance that can be accessed anytime you choose. Whole Life Insurance Policies earn a guaranteed rate of return regardless of marketing fluctuations. An Index Universal Life (IUL) program follows the performance of the market, however, unlike a 401(k) you cannot lose value as the bottom is 0%.

If you read our article about Other People’s Money (OPM), that strategy uses a cash value life insurance that's coupled with outside money to fund your life insurance contract. Read the article here

Unlike traditional retirement accounts, cash value life insurance policies offer a range of benefits that can make them an attractive option for those looking to save for retirement while minimizing their tax burden. Some of the key advantages of a cash value life insurance policy include:

Tax-Free Income: One of the most significant advantages of a cash value life insurance policy is that all income is tax-free. Individuals can access their savings without worrying about paying taxes on their withdrawals.

No Early Withdrawal Penalties: Unlike 401(k) and IRA retirement accounts that have a 10% penalty to withdraw before 59 1/2 years old, there are no early withdrawal penalties for taking funds out of a cash value life insurance policy. This means that individuals can access their savings whenever they need them, without worrying about fees.

No Contribution Limits: With traditional retirement accounts, there are strict contribution limits that can prevent individuals from saving as much as they would like for retirement. As of 2023, 401(k)'s are limited to $22,500 per year, and IRA's (including Roth) are limited to $6,500 - this is one reason why a cash value life insurance policy is coined a rich man's roth. Cash value life insurance policies have no contribution limits, allowing you to contribute as much as you want in a tax-advantaged way.

No Income Limits: Roth IRAs are popular as they allow for tax-free growth and distributions. However, there are strict income limits of $138,000 that can prevent people from contributing to these accounts. Cash value life insurance policies have no such limits, making them an attractive option for those with high incomes.

Tax-Free Death Benefit: In addition to the benefits of tax-free growth and distributions, cash value life insurance policies also include a tax-free death benefit for heirs. This means that individuals can leave a significant amount of tax-free money to their loved ones, providing financial security for generations to come.

Palmer Czaplicki, founder, Lion's Share Wealth, lions share wealth

Palmer Czaplicki

Founder

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lions share wealth, Lion's Share Wealth, tax-free retirement, Other People’s Money, other peoples money, OPM, tax-free retirement

Palmer Czaplicki

Founder

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Palmer Czaplicki

Founder

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Apply today for life insurance coverage that can protect your family if life hits the fan. Get an instant estimate today on life insurance that can protect your family plus give you an opportunity to grow long-term wealth.

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Palmer Czaplicki

Palmer Czaplicki

(602) 641-2911

(602) 641-2911

515 E Carefree hwy #354

11201 N Tatum Blvd #300, Phoenix, AZ 85028

lions share wealth, Lion's Share Wealth, tax-free retirement, Other People’s Money, other peoples money, OPM, tax-free retirement

Palmer Czaplicki

Founder