The RAFT Strategy for a tax free retirement

The RAFT Strategy for a tax free retirement

| September 13, 2016
Share |

I first met Dave and Laurett Arenz at a conference in San Diego in July 2016. They're husband and wife team with their own national radio show called Hero's Talk Radio focused on helping people achieve a tax-free retirement using the RAFT strategy or Retirement Approach Free of Tax. I was so impressed with their show that I decided to become a Strategic Wealth Coach of The RAFT Strategy and a sponsor of the show. Hero's Talk Radio airs Sundays 1:00 pm-2:00 pm on WFTL 850 AM

The RAFT Strategy (Equity indexed insurance contracts) provides minimal limits on contributions and has two options for investing. The investor can choose annually either the fixed interest rate option or follow a specific index, such as the S&P 500. When the investor chooses to follow an index, their account will participate in a percentage of the gains of that index, yet when the index falls, the investor will not lose based on negative markets.

Tax-free income is generated from these insurance contracts by obtaining interest-free loans from the contract cash value. These loans work similarly to home equity loans in the sense that the investor does not pay income tax on the money borrowed. Unlike a home equity loan, though, the investor does not have to pay back the loan balance during their lifetime. This is pertinent to tax codes 7702 and 72(e).

Taxes are more likely to move up over time than go down so the need to act now is crucial. With the national debt continuing to grow, social programs in jeopardy and all-time low tax rates, taxes will need to go up to pay down the national debt. Tax deferred programs are helping Uncle Sam's retirement and hurting an investor's net spendable dollar during retirement years. All investors want more disposable income. This can be accomplished by cutting the IRS out of your retirement.

Unfortunately, most investors have learned how easy it is to lose 20%, 30%, 50% or more of their investment portfolio. There is a safe solution.

HERO’S Strategies will show you how you can have of the upside potential of the stock market up to an annual cap and have no risk of market losses.

Never lose principle due to index losses. A Win-Win strategy that may credit you in a bull or bear stock market. – Capture upside stock market potential up to an annual cap without risk. Receive positive gains from the positive years of the market

  • Receive principal protection in the negative years of the market
  • Position your funds to take advantage of market rebounds
  • RAFT provides Living Benefits and Death Benefits

So if you are tired of the roller coaster ride of market fluctuation this site will show you how you can have the upside potential of the stock market AND have no risk of market losses.

You don’t have to take risks with your investments to get a great return. Choose the right account for your situation with the right company and get the strongest financial guarantees."


For a FREE copy of The RAFT Strategy and a personalized illustration contact my office.


Share |