𝐇𝐨𝐰 𝐭𝐨 𝐭𝐚𝐤𝐞 𝐚𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞 𝐨𝐟 𝐚 𝐦𝐚𝐫𝐤𝐞𝐭 𝐝𝐞𝐜𝐥𝐢𝐧𝐞 𝐭𝐨 𝐜𝐫𝐞𝐚𝐭𝐞 𝐓𝐑𝐈𝐏𝐋𝐄 𝐓𝐀𝐗-𝐅𝐑𝐄𝐄 𝐢𝐧𝐜𝐨𝐦𝐞 𝐬𝐭𝐫𝐞𝐚𝐦𝐬:

𝗦𝗧𝗘𝗣 𝟭: If you don't already have an "Infinite Banking" policy, create one. If you already have one, then CONGRATULATIONS, you've already completed Step 1. Your money grows tax-free in your Infinite Banking account. So there's tax-free income #1.

𝗦𝗧𝗘𝗣 𝟮: After a market decline (or a crash), you can use money in your Infinite Banking account, (which doesn’t lose money in a market decline and grows TAX-FREE), and fund (or add money to) a Roth IRA (which also grows TAX-FREE). There's tax-free income #2 - a Roth.

This strategy can be effective because it can allow you to buy more shares of stock when shares are, as some people say, "on sale" (or much lower in value than they may be in the future). When/if they increase in price, the growth on those shares experienced inside of a Roth is TAX-FREE.

If you use this strategy to fund a Roth IRA with tax-free gains from your Infinite Banking account, then you effectively funded a tax-free Roth IRA with tax-free profits from your Infinite Banking account.

𝗧𝗛𝗔𝗧'𝗦 𝗗𝗢𝗨𝗕𝗟𝗘 𝗧𝗔𝗫-𝗙𝗥𝗘𝗘 𝗜𝗡𝗖𝗢𝗠𝗘!

The profits from an Infinite Banking account can be accessed at any age, and that means that they can be accessed for investing outside of your Infinite Banking account whenever you see an opportunity.

Yes, that means Infinite Banking account profits can be accessed tax-free prior to age 60, and your Roth IRA can be accessed tax-free after age 60.

𝗦𝗧𝗘𝗣 𝟯: Finally, at retirement age, since both Infinite Banking accounts and Roth IRAs don't trigger taxation on your social security payments (Google "Provisional Income"), you can access:

• TAX-FREE income from your Roth IRA,
• TAX-FREE income from your Infinite Banking account,
• AND, TAX-FREE income from your social security as well.

𝗧𝗛𝗔𝗧'𝗦 𝗧𝗛𝗥𝗘𝗘 𝗜𝗡𝗖𝗢𝗠𝗘 𝗦𝗧𝗥𝗘𝗔𝗠𝗦, 𝗔𝗟𝗟 𝗧𝗔𝗫-𝗙𝗥𝗘𝗘!

*This isn’t investment advice and is meant purely for educational purposes, but it is a strategy that you should learn more about.

𝐓𝐡𝐞 𝐰𝐫𝐞𝐜𝐤𝐢𝐧𝐠 𝐛𝐚𝐥𝐥 𝐭𝐡𝐚𝐭 𝐜𝐚𝐧 𝐝𝐞𝐬𝐭𝐫𝐨𝐲 𝐲𝐨𝐮𝐫 𝟒𝟎𝟏(𝐤) 𝐨𝐫 𝐈𝐑𝐀

There’s a simple math formula your financial advisor isn’t telling you that can wreck your 401(k) or IRA.

𝐌𝐚𝐧𝐲 𝐀𝐦𝐞𝐫𝐢𝐜𝐚𝐧𝐬 𝐰𝐢𝐥𝐥 𝐫𝐮𝐧 𝐨𝐮𝐭 𝐨𝐟 𝐦𝐨𝐧𝐞𝐲 𝐢𝐧 𝐭𝐡𝐞𝐢𝐫 𝟒𝟎𝟏(𝐤)𝐬 𝐚𝐧𝐝 𝐈𝐑𝐀𝐬 𝐦𝐮𝐜𝐡 𝐟𝐚𝐬𝐭𝐞𝐫 𝐭𝐡𝐚𝐧 𝐭𝐡𝐞𝐲 𝐭𝐡𝐢𝐧𝐤 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐭𝐡𝐞𝐲 𝐝𝐨𝐧’𝐭 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝 𝐭𝐡𝐞 𝐬𝐢𝐦𝐩𝐥𝐞 𝐦𝐚𝐭𝐡 𝐭𝐡𝐚𝐭 𝐚𝐟𝐟𝐞𝐜𝐭𝐬 𝐭𝐡𝐞𝐢𝐫 𝐰𝐢𝐭𝐡𝐝𝐫𝐚𝐰𝐚𝐥𝐬.

There is a solution to this problem that I will share at the end, but you need to understand the problem first.

𝐇𝐞𝐫𝐞’𝐬 𝐭𝐡𝐞 𝐦𝐚𝐭𝐡:

Let’s say that Tom and Mary need $100,000 after taxes from their IRA to support their lifestyle in retirement. For simple illustration purposes, we’ll say they will owe a total of 30% in taxes on their withdrawals.

How much will they have to take out of their IRA to be able to pay both the taxes to the IRS and the $100,000 they need for their lifestyle?

I’ve asked this question to so many people and the answer I get 90% of the time is $130,000.
On the surface this answer makes sense. Thirty percent of $100,000 is $30,000, right? Add that to the $100,000 you need to pay for your lifestyle and there’s your answer.

But is that how it works?

It’s a little bit more complex than that. If you pay 30% in taxes, then you get to keep 70%. However, 70% of $130,000 is only $91,000, which leaves you $9,000 short.

𝐒𝐨 𝐭𝐡𝐞 𝐫𝐞𝐚𝐥 𝐚𝐧𝐬𝐰𝐞𝐫 𝐢𝐬 $𝟏𝟒𝟐,𝟖𝟓𝟕.

That’s $12,857 more than most Americans think. Therein lies the problem. Americans just don’t account for that in retirement because they’re simply not being told about it.

In other words, when the typical American calls up their financial advisor and says, “I need $100,000 after taxes,“ they think that their balance is going to go down by $100,000. In reality, it’s going to go down by $142,857.

Is it possible that quite a few Americans will be running out of money in their 401(k)s or IRAs a lot faster than they thought? It sure is, and it’s all because of this simple math formula that financial advisors and Wall Street pundits don’t tell them.

𝐇𝐄𝐑𝐄’𝐒 𝐓𝐇𝐄 𝐒𝐎𝐋𝐔𝐓𝐈𝐎𝐍: Use the tools the I.R.S. makes available to you to 𝐠𝐫𝐨𝐰 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲 𝐭𝐚𝐱-𝐟𝐫𝐞𝐞. There are multiple tools that can provide great returns without the risk of market volatility and without having to pay taxes on your money when you need it most (in retirement).
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To have access to these specific tools, you need to speak with a licensed professional, like myself, who can help you find the best one for you and here's the best part... YOU DON'T PAY US FOR OUR HELP.

When helping our clients with making the best decision for their future, our main goal is EDUCATION. We want people to learn about the dangers of letting some advisor "manage" their money compared to what we do, which is remove as many risks as possible including fees, market volatility, the sequence of returns risk, etc.
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Here is a page out of one of our agents' newest books going over the impact of taking a loss in your retirement account. We hope this shines some light on what truly happens when you have a down year. The reality is that you could spend many years just climbing back to breakeven before you are profitable again

If you have an old 401(k) laying around from a previous employer, you only have a small number of options on what you can do with it. Here are 5 options you have when dealing with an old 401(k). We help people out with Option 5.​