Did you know that there is an IRS Approved Retirement Savings Plan
that allows you to access and bequeath your savings TAX FREE?
Learning about this plan could retirees could be cut by at least 26% Add to these statistics the fact that the
re-kindle your hope and plan for and will continue to be reduced in average family carries debt payments
a safe and secure retirement. the subsequent years (Social Security of 34% on top of their mortgage and
Trustee 2006 OASDI Report). saves less than 1% of Gross Income,
and you can understand why finding
The Realities of Today
Current Retirement Plans are Failing!
In fact, for the first time since 1925, true saving mechanisms has never
the income of men in their 30’s been more crucial.
As the average 401k balance has been (adjusted for inflation) is less than
cut in half, Americans are questioning their fathers. The Problem with Tradition
the security of traditional financial The Tax Dilemma of 401k, 403b 457
planning in the market through stocks and IRA Savings Plans
and mutual funds.
For years, financial advisers have
At the same time, wealth is promoted traditional forms of
fading quickly for many current tax shelters, but the problem is
retirees. In February 2005, the
National Underwriter released the
following startling data:
There’s a better
• O
ver a 10 year period of time,
total wealth for retirees ages way to save for
61-71 grew by 85% your future, and
• H
alf saw their wealth increase by
50% or more it doesn’t have
However, during that same time to involve 401k
• 9% lost 100% of their wealth plans or ROTH
• 21% lost 50-100%
Savings Plans
• 4% lost 25-50%
• O
f the 34% who lost their wealth,
36% had been hospitalized
that touted “Tax Shelters”
• 4 0% of them spent their time
might not shelter as much as
in a nursing home
originally thought.
While this type of report on severe
The reason for this is twofold. First
losses can be depressing, with the right
off, federal taxes on salary and other
saving tools in place it can be avoided.
ordinary income are some of the
The first step, however, is realizing Family income hasn’t fared much
lowest in history. The top marginal
what dangers lie before you. better. From 1820 to 1972, family
rate in 2009 is just 35%.
income increased 52% per generation
Where is the Money Going? (about 35 years). However, income At the same time, with the current
If you are between the age of 20 and from 1973 to 2009 increased only Budget, Trade, Social Security,
40, by the time you reach the age of 17% per generation. What this means Stimulus and other deficits, US
60, Social Security benefits for all is that the rise in income has not even debt totals almost $65 Trillion!
kept up with inflation. (shadowstats.com).
Copyright © 2010 Paradigm Life
The only conceivable solution to Qualified Private Retirement Insurance Policy that is set up to have
a balanced budget is taxing in the Planning Alternative. In layman’s the maximum cash value allowable by
future. Since all traditional savings terms, it comes down to developing law. That’s right, the secret to saving
vehicles have taxable withdrawals, your own retirement plan through for banks and for you potentially lies
this means that by the time “non-traditional” saving vehicles in life insurance.
withdrawals are made from your approved by the US Government.
qualified plans such as 401k, 403b, One in maybe 100 agents are really
IRA or other deferred vehicles, taxes By developing your own private familiar with how to set this product
are almost guaranteed to be higher. retirement plan, you stand to enjoy up and teach their clients how to
the following benefits: properly use it, which is most likely
Boston University Economics why you haven’t heard of it before.
professors helped illustrate this point • 1 00% guarantee of principle and
when stating that couples who earn earnings However, now you too can make
more than $50,000 stood to actually • Tax free distributions the necessary steps to implement
raise their lifetime tax burden by • G
uaranteed minimum interest a plan which will solve the woes of
investing in tax deferred vehicles. In rate as high as 4% traditional financial planning.
their words, “Even those who make
more than $100,000 are better off • 1 00 year history of dividends
The looming financial catastrophe is
saving outside their 401k plans.” • C
omplete liquidity upon us and action must be taken to
• R
emaining funds transfer to heirs avoid what is to come. You now are
Saving Outside the 401k tax free privy to information that few truly
The IRS has Approved a Private understand and implement.
Retirement Plan that is Tax Free
The Solution is Here
What studies like that of Boston The Secret to Saving Effectively By implementing some form of
University are illustrating is simply private retirement plan, you’ll
this: what most people think is the One of the primary benefits of be avoiding many of the pitfalls
best way to save is no longer the case. developing your own private being experienced or soon-to-be
In fact, it hasn’t been the case for retirement plan is that the savings or experienced by the majority of the
some time now. cash inside your private plan is 100% aging US population.
liquid and can be withdrawn for
Over 30 years ago the IRS and any reason at any time without any
penalty or tax.
Paradigm Life Insurance
Congress approved a retirement Dedicated to Seeing You Save!
savings plan known as a Non- Paradigm Life Insurance Agency is
It’s for this very reason that banks
hold 20%-30% of their liquid capital committed to teaching you the proper
inside similar type plans. That’s tens information so you fully understand
of billions of dollars in bank capital how this private retirement plan works.
being saved, not in traditional tax
shelters, but rather in something Email or call us today for
quite different from the norm.
your no-obligation 30 minute
The financial product that consultation to show you what
offers these IRS tax qualified a private retirement plan can
characteristics is a proprietary Life do for your financial future.
Paradigm Life Insurance helps For More Information Contact Us Today:
companies and individuals Paradigm Life
protect their future and
strengthen their financial portfolio. For more information on how Paradigm Life info@paradigmlife.net
Insurance can help you, visit our website at www.ParadigmLife.net.
Ph: 1-800-870-8670
Paradigm Life makes no representation as to the actual tax status of the PUA rider, insurance, and benefits received
or any premiums paid. Neither Paradigm nor its representatives give legal or tax advice or interpretation. Please www.ParadigmLife.net
contact your legal or tax advisor for such advice. As a result of the important nature of financial decisions, you are
urged to visit www.paradigmlife.net to review a full list of disclosures pertaining to our products and services.
Copyright © 2010 Paradigm Life.
