Unlock More from Your Retirement

See the exact “Retirement Optimization” strategy we used to triple our client's retirement income, create a zero out-of-pocket funding cycle, and leave a multi-million-dollar legacy, all while using conservative, real-world numbers.

See My Optimization

The Problem:

Traditional Retirement Plans Underperform

When this 38-year-old called us, he had $100,000 in a traditional IRA. If he kept it invested the “usual” way, he’d get about $7,000 a year in retirement income starting in Year 10. That’s not enough to live on, and it’s taxable.

The Breakthrough:

Pay Taxes From the Plan, Not Your Pocket

Instead of letting taxes shrink his savings later, we moved the $100k IRA into a specially designed life insurance plan and used the policy’s own cash value to pay the Roth conversion taxes — $16k and $16k — without touching the client’s bank account.

From Years 3 to 10, every dollar he put in was matched by a dollar he took out, creating a zero out-of-pocket funding cycle.

How It Works:

The Optimized Outcome

By Year 10, the numbers speak for themselves:

Fidelity path: $7k/year taxable.
Optimized path: $24k/year tax-free.
Over a lifetime, this design turned $100,000 into $6.7 million total value, including $5.7 million left to heirs.
And it’s built on conservative assumptions — a 6.4% illustration and ~5.5% policy loan rate — with a simple 1% net spread still producing those results.

Who Qualifies:

Accessible Planning for Anyone with Retirement Assets

Unlike premium financing, you don’t need a $5M net worth. This plan is available to anyone who can qualify for roughly a $900k death benefit — often with no medical exams for smaller amounts.
If you have an IRA, 401(k), or other tax-deferred account, you may be able to optimize it into a plan that produces more income and leaves more to your heirs.

What's Next:

See Your Numbers

Want to know what Retirement Optimization could do for your future? We’ll run the numbers based on your age, income, and retirement accounts, so you can see the difference for yourself.