Tax-Free Withdrawals at Any Age: While both a 401(k) and Roth IRA offer tax advantages, they come with limitations. With a 401(k), withdrawals are taxed as ordinary income in retirement, while a Roth IRA offers tax-free withdrawals only on contributions and qualified distributions. In contrast, an IUL provides tax-free withdrawals on both contributions and growth, offering greater flexibility and potential tax savings.

No Contribution Limits: Unlike a Roth IRA, which has annual contribution limits, an IUL allows for unlimited contributions, making it an attractive option for high-income earners looking to maximize their retirement savings.

Protection from Market Volatility: While a 401(k) and Roth IRA are subject to market fluctuations, an IUL provides downside protection, ensuring that your cash value remains intact even during market downturns. This can provide peace of mind and greater stability in your retirement planning.

NO TAXES on withdrawals from IUL. This gives you a 30% Tax savings on withdrawals from IRA and 401(k) 

An IUL provides the opportunity to grow your cash value based on market index performance, with built-in protection from market downturns.

Growth Potential: Earn interest credits linked to market index performance, such as the S&P 500. 

Downside Protection: Your cash value is never exposed to market losses, ensuring consistent growth even in volatile markets.

No Direct Market Investment: Gains are credited, but your money isn’t directly invested in the stock market, adding an extra layer of security.

Flexibility in Allocation: Choose between different index strategies to optimize growth based on your financial goals.

With an IUL, your cash value grows tax-deferred, and you can access it tax-free during retirement. This means your savings are shielded from the impact of rising taxes.

Tax-Deferred Growth: Your cash value grows over time without being reduced by yearly taxes, allowing your savings to compound faster.

Tax-Free Loans: Access your cash value through policy loans without triggering a taxable event, keeping more money in your pocket.

No Capital Gains Taxes: Gains from market index growth are credited to your policy without capital gains tax obligations.

Rising Tax Hedge: Protect your retirement income from future tax increases, ensuring your nest egg lasts longer.

An IUL isn’t just about retirement. It also provides a safety net for life’s uncertainties, making it a comprehensive financial solution.

Lifetime Death Benefit: Protect your loved ones with a tax-free payout that secures their financial future.

Chronic and Critical Illness Coverage: Many IUL policies offer riders that provide access to funds in case of illness, helping with unexpected medical costs.

Premium Flexibility: Adjust your contributions based on your financial situation, ensuring the policy fits your needs throughout life.

Wealth Transfer: Leave a legacy for your heirs with tax-advantaged wealth transfer options that maximize your estate.

At One Nine Insurance & Financial Group, we’re experts in designing Indexed Universal Life (IUL) strategies tailored to your unique financial goals. Whether you’re looking to protect your family, grow your wealth, or secure a tax-free retirement, we’re here to guide you every step of the way.

Don't let taxes derail your retirement dreams.

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