Savings Vehicles

Family having fun on the beach

Savings Vehicles: Tax-Free and/or Market Risk-Free Options

The U.S. Government has established several savings vehicles for individuals, including the 401(k), IRA, 403(b), Roth, SEP, etc. The problem is the many limitations and rules that govern these options. You are limited on how much money you can save, penalized if you use your money before you are 59.5, charged high fees and/or subject your savings to a large amount of risk.

Most qualified plans defer taxes, but they also defer the tax calculation. You may be deferring or postponing your taxes to a higher tax bracket in retirement. The U.S. currently has the highest debt in its history and tax rates are at historical lows. When you retire, some of your biggest deductions will probably disappear because your house is paid off and the kids are no longer dependents. In essence, we become the perfect tax payer in retirement and many people feel that tax rates will be higher in the future.

Fortunately, there are solutions available that will provide you with more control over your money and protection from increasing taxes and stock market risk. Please see the following to protect your financial future:


Create a guaranteed income that you cannot outlive.

College Funding

A flexible college savings strategy without tax and market risks

Market-Linked Certificate of Deposit

FDIC insurance with the potential for a better rate of return

Tax Free Income

A tax-free solution to grow and protect your money with no market risk.

Learn how to Grow Your Wealth without Tax and Market Risks by downloading our free book today!