Protect Your Retirement From Taxes & Market Volatility
You've done the hard work to earn a high income. Now it's time to make sure taxes, inflation, and the next market downturn don't quietly erase what you've built. Learn how an IUL or FIA can help.
- ✔ Create tax-advantaged or tax-free retirement income
- ✔ Eliminate market losses with a 0% floor
- ✔ Turn your 401(k), TSP, or IRA balances into predictable income
- ✔ Add living benefits and legacy protection for your family
Why add an IUL or FIA to your retirement portfolio?
Traditional retirement accounts leave you exposed to three big risks: higher future tax rates, market downturns, and running out of money. IULs (Indexed Universal Life) and FIAs (Fixed Indexed Annuities) were designed to help high-income earners in markets like the DMV protect their assets and unlock tax-efficient income.
Build tax-free wealth with protection
An IUL can be structured as a powerful wealth-building engine, giving you life insurance protection plus the potential for index-linked growth and tax-free access to policy cash values when designed properly.
- ➤ Tax-free loans & withdrawals in retirement (when structured correctly)
- ➤ Growth linked to a market index with a 0% floor
- ➤ Tax-free death benefit for your family or estate planning
- ➤ Optional living benefits for chronic, critical, or terminal illness
Turn your savings into guaranteed income
A FIA can protect your principal from market loss while still allowing for index-based growth. With income riders, you can lock in a paycheck you cannot outlive.
- ➤ Principal protection--no losses from market downturns
- ➤ Options for guaranteed lifetime income for you (and spouse)
- ➤ Ideal for 401(k), TSP, 403(b) or IRA rollovers
- ➤ Predictable income streams to complement Social Security and pensions
Request Your Free IUL/FIA Strategy Session
In 30--45 minutes, we'll review where you are, where you want to be, and whether an IUL or FIA makes sense as part of your overall plan. No pressure. Just clarity.
Frequently Asked Questions
These strategies aren't one-size-fits-all. Your session is designed to help you understand what fits your situation.
Is this a sales pitch?
No. The goal is education and clarity first. If an IUL or FIA isn't a fit, we'll tell you that openly and suggest alternatives.
Do I need a certain income level?
These strategies are typically best for high-income professionals and those with meaningful retirement balances, but we can review your situation together.
Can we meet virtually?
Yes. We can meet via Zoom if that's easier with your schedule.