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Frequently Asked Questions
Does this replace a 401(k) plan or IRA?
Not necessarily. In many cases it is used as a complement, depending on your strategy, access, and objectives.
Can I access the funds before withdrawal?
It depends on the product and the contract. Some policies/annuities allow access under certain rules (loans/withdrawals or specific provisions). There may be costs, tax consequences, or an impact on benefits. It is recommended that you confirm with your CPA before taking any action.
Build the retirement you deserve today with safe and effective tools. Schedule your consultation and start your plan.
Strengthen your retirement plan with insurance-based strategies and a clinical approach. Complement your traditional savings with insurance-based alternatives that can provide protection and income stream planning in retirement. We design a clear, phased strategy for professionals who want more control, greater predictability, and a plan aligned with their needs. Schedule an informational consultation (free of charge/no obligation to purchase).
**Educational information only. Not legal, tax, or investment advice. Products subject to eligibility, contract, and insurer approval. Tax treatment varies; consult your CPA.**
Who is it for?
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High-income professionals (physicians, practice owners, executives) who want to diversify their retirement planning.
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Business owners or freelancers with variable income who are looking to structure a more predictable plan.
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Individuals who want to explore alternative retirement income streams in addition to a 401(k)/IRA.
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Those seeking long-term planning with a focus on protection and tax efficiency, tailored to their specific circumstances.
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Retirement Supplement
How does it works?
Depending on your goals, a strategy can be designed using:
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Annuities (for income planning or accumulation, as per the contract), and/or
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Cash value life insurance (e.g., IUL/UL, if appropriate and eligible).
These options can help structure a plan focused on protection, future cash flow, and retirement planning. Access to cash value (withdrawals/loans) and tax treatment depend on the product, the contract, and how it is used. Loans or withdrawals may reduce cash value and benefits.
Key Benefits
It can complement strategies such as 401(k) or IRA, depending on your profile and objectives.
Design flexibility (periodic or one-time contributions), depending on the product.
It may include death protection (if life insurance is used).
Possible retirement income options (e.g., annuities) with specific conditions.
Potential for tax efficiency, depending on the product, use and applicable rules.
Stages of the Process
Initial analysis: retirement goals, time horizon, risk tolerance, family/business responsibilities.
Selection of alternatives: review of available options according to age, eligibility and ability to contribute.
Implementation: plan design and application process (subject to insurer approval).
Annual monitoring: adjustments for changes in income, practice, family, taxes, or goals.