A Retirement Income Strategy Used by Wealthy Families Since the 1960s
Learn how business owners and high-earning professionals are building retirement income - with downside protection, tax advantages, and no personal debt.
Trusted Partners
Planning for a Retirement That Lasts
If you're a business owner or a high-earning professional, you may be thinking about:
How inflation impacts your long-term savings
Whether traditional investments are growing fast enough
How to build income that's designed to last throughout retirement
Market downturns can affect retirement timelines. Many high earners are looking for additional strategies beyond their 401(k).
We Help You Build Retirement Income Designed to Last
This strategy may be a fit if you are:
A business owner or high-earning professional
Already contributing to a 401(k) and looking for additional options
Interested in tax-advantaged income strategies
Wanting to build a legacy for your family while also funding your retirement
What Makes This Different
No personal guarantees
A Master Trust is the borrower, not you. The lender's claim is against the policy, not your personal assets. No credit checks, no personal liability, no debt in your name.
Downside protection.
Your money is linked to a market index. When the market goes up, you participate. When it goes down, a 0% floor means your cash value isn't reduced due to market declines.*
*Policy charges and fees still apply each year, which can reduce cash value.
Tax-advantaged access.
With a 401(k), withdrawals are taxed as income. This strategy allows you to access funds through policy loans, which are not treated as taxable income under current IRS rules, as long as the policy remains in force.*
*Consult a tax advisor for your specific situation.
No out-of-pocket loan payments.
You don't make monthly payments to the bank. Interest accrues inside the policy, and the loan is repaid from within the structure over time.
This approach has been used by wealthy families for over 60 years. We've been helping clients implement it for more than 24 years.
60+
years of wealthy families using this strategy
100+
of retirees
24+
years administering this strategy
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This is not tax, legal, or investment advice. Consult a qualified professional regarding your specific situation. Results vary based on individual circumstances, policy performance, and other factors. Illustrations are hypothetical and not guaranteed. The 0% floor applies to index crediting only; policy charges and fees are still deducted annually. Tax-advantaged treatment of policy loans depends on the policy remaining in force and not becoming a Modified Endowment Contract (MEC). Tax laws may change. This strategy involves a long-term commitment and may not be suitable for everyone.