Guiding families and professionals toward lasting financial security.

Turn One Smart Move into a Lifetime of Financial Confidence

Tap into your annuity's 10% free withdrawal and unlock two powerful assets:

guaranteed income + Tax-Free wealth transfer.

Up to 50%

Sign-On Bonus Potential

Up to 10%

Annual Penalty-Free Access

$10K+

Typical Rollover Amount

Step 1: Begin with a Fixed Indexed Annuity

a Fixed Indexed Annuity (FIA) is a low-risk, retirement-focused product offering:

  • Market protection with upside potential

  • Tax-deferred growth

  • Annual 10% free withdrawal

  • Lifetime income options

This is the foundation of your legacy planning strategy - protecting capital while giving you liquidity.

Step 2: Use Your 10% Free Withdrawal Stategically

Instead of cashing out or letting the funds sit idle, redirect the 10% penalty-free withdrawal into a Cash Value Life Insurance Policy - such as a Indexed Universal Life (IUL).

  • This move builds tax-advantaged wealth for future generations.

Step 3: Fund a Cash Value Life Insurance Policy

  • Tax-free death benefit

  • Living benefits for health events

  • Tax-free income via policy loans (be your own bank)

This is the only asset that grows tax-deferred, protects your family, and provides living benefits.

Side-by-Side Legacy Strategy Comparison

Benefit

Fixed Indexed

Annuity

Cash Value

Life Insurance

Principal protection

Tax-deferred growth

Tax-free legacy

Liquidity

Guaranteed income

Wealth leverage

Case Study: From Stagnant to Strategic

Year 0 - The Problem

Client has $522,000 sitting in an old 401(k), unmonitored and vulnerable to market dips

Year 1 - The Rollover

Funds are rolled into a Fixed Indexed Annuity, instantly earing a 30% bonus (+$104,400).

Year 1 - First Withdrawal

Client uses 10% penalty-free withdrawal (-$62,640) to begin funding a tax-advantanged IUL.

Year 2 - Compound Results

Induced annuity grows 7.8%, IUL cash value begins accumulating tax-free growth.

Year 5+ - Legacy Unlocked

Tax-free income from IUL, death benefit secured, and annuity continues producing guaranteed income for life.

What Clients are Saying

Is This Right for You?

Pre-retirees with rollover funds

Professionals seeking asset diversification

Investors wanting tax-free retirement income