Most people have no idea that some of the most common places they keep their money are limiting their growth and flexibility. Compare your options side by side and see the difference for yourself.
Each financial vehicle has its own strengths and limitations. The chart below breaks down the key benefits so you can make an informed decision about where your money works hardest for you.
| Benefit | Bank | 401(k), IRA, TSP | Roth IRA | FIA | IULBest Value |
|---|---|---|---|---|---|
| Tax-Exempt Benefits | ✓ | ✓ | |||
| Growth Potential | ✓ | ✓ | ✓ | ✓ | |
| No Risk of Losing | ✓ | ✓ | ✓ | ||
| Protection (Insured) | ✓ | ✓ | |||
| Access (Liquidity) | ✓ | ✓ | ✓ | ||
| Legacy for Family | ✓ | ✓ | |||
| Probate Avoidance | ✓ | ✓ | |||
| Living Benefits | ✓ | ||||
| Total Benefits | 2 / 8 | 1 / 8 | 2 / 8 | 6 / 8 | 8 / 8 |
Two of the most powerful financial tools available today, and most people have never heard of them.
An FIA lets your money grow based on market index performance, but with a built-in floor that protects you from ever losing money when the market drops.
An IUL is a life insurance policy that also builds tax-free cash value linked to market indexes, while providing a death benefit for your family.
Traditional financial vehicles were designed for a different era. As the financial landscape evolves, so should your strategy. Here are some important things to consider.
With tax-deferred accounts, you will still owe taxes on every dollar you withdraw in retirement. With a properly structured IUL, your money can grow and be accessed completely tax-free.
When interest rates on savings accounts are lower than the rate of inflation, the purchasing power of your money decreases over time. Indexed vehicles offer the opportunity for stronger growth with built-in protection.
Most people believe you have to choose between keeping your money safe and growing it. An IUL offers both: index-linked growth potential with a 0% floor, meaning your account value never decreases due to market downturns.
Growth potential, downside protection, tax-free income, living benefits, legacy planning, and probate avoidance, all in one vehicle. That is what an IUL provides, and no other option on the chart offers the same combination.
Every financial situation is different. Book a free consultation and we will walk through exactly how an IUL or FIA could fit into your plan.
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