INTRODUCING: TARP

A revolutionary retirement savings plan for high net worth individuals.

Reliable Returns

Your cash balance tracks a S&P 500 Index and will generate a return between 0-12% annually. 

 

With no downside risk when the S&P 500 is in the red, you can rest assured your assets are secure.

Tax-Advantaged & Unrestricted

TARP is a new, unlimited tax advantage savings program with no contribution limits.

 

 We design this policy to reimburse any tax expenses, allowing all your money to grow.  

*Tax-free Distributions: Assuming the policy remains in-force for the entire duration of the insured's life and does not become a Modified Endowment Contract or MEC.

Complete Flexibility

As the owner of your policy, you decide the amount and timing of your tax-free distributions.*

 

Plans are not subject to Age 59 ½ restrictions and can be fully customized to meet your savings objectives.

About TARP:

TARP stands for Tax-Advantaged Retirement Program.

The problem with traditional savings plans

If you're a high net worth individual (HNWI), you've probably experienced the many challenges of retirement savings: high taxes, contribution caps, distribution restrictions- and the list goes on and on. 

 

Aside from navigating dozens of complex IRS regulations, you also have to agonize over selecting the best financial advisor. After all, you've worked hard to earn the capital you plan to save and picking the wrong advisor can jeopardize everything, including your retirement. 

What makes TARP superior

Imagine a retirement savings plan specifically designed to have tax-deferred accumulations, tax-free lifetime distributions and absolutely zero contribution limits. Couple that with a savings strategy that generates a return between 0-12% annually, and you've got TARP (Tax-Advantaged Retirement Program).

 

As the owner of the policy, you decide when to take distributions. Unlike an Individual Retirement Account, there is no 59 ½ age requirement and you determine the amount of the distributions. This strategy can benefit parents with young children for college planning or individuals seeking an alternative to costly Long-Term Care Insurance plans. 

Request a free, no-obligation illustration to see how TARP can add flexibility to your retirement savings plans. 

Benefits offered:

  • Life income

  • Tax-free distributions*

  • Interest crediting between 0-12%

  • No funding limitations

  • Flexible contributions & distributions

  • Lower fees

 
Your first step...

It's free and only takes one minute to customize.

Order a no-obligation illustration today and start saving smarter.

A Sample Case Study

Consider the following:

Laura is a 50-year-old small business owner looking for an additional retirement savings plan. In 2018, her gross annual income was $435,000. 

 

She has maxed out her qualified plan at $56,000 and is looking to save an additional $100,000. Laura is concerned about tax and market risk and wants to avoid risking any principle if possible. 

 

She decides to enter a TARP policy.

Here's the breakdown:

*click to enlarge. Illustrations current as of 5/2019.

After paying into her policy for fifteen years, Laura has a lifetime annual supplemental income of $153,450. Additionally, she receives all her distributions completely tax-free.* At age 66, Laura's net death benefit is $3,300,525 with a net cash surrender value of $1,284,052. 

Another example:

Mike is a 50-year-old surgeon looking for an additional retirement savings plan. In 2018, his gross annual income was $510,000. 

 

He has maxed out his qualified plan at $56,000 and is looking to save an additional $100,000. Mike is concerned about tax and market risk and wants to avoid risking his principle if possible. 

 

He decides to enter a 15-year TARP policy.

Here's the breakdown:

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*click to enlarge. Illustrations current as of 5/2019.

After paying into his policy for fifteen years, Mike has a lifetime annual supplemental income of $149,847. Additionally, he receives all his distributions completely tax-free.* At age 66, Mike's net death benefit is $2,862,737 with a net cash surrender value of $1,273,281. 

 
Your next step...

or call (734) 744-7480

Michigan Executive Insurance Solutions

Contact

734-744-6480

©2019 by Michigan Executive Insurance Solutions. Any financial analysis and recommendations are not intended to replace the need for independent tax, accounting, or legal review. Individuals are advised to seek the counsel of such licensed professionals as representatives of Michigan Executive Insurance Solutions do not provide tax and legal advice. Please consult your tax advisor or attorney for such guidance. Michigan Executive Insurance Solutions does not provide any legal or tax document or revise existing legal or tax documents.

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