TAX-EXEMPT Retirement Planning​

Why hasn’t my financial advisor ever told me about this?

Reason 1: Limited Knowledge

Most financial advisors are unaware of accounts like TERAs (Tax-Exempt Retirement Accounts) or how to structure them to be legally tax-free for the account holder.

Reason 2: Company Recommendations

Many financial advisors recommend financial products that their companies promote, often overlooking other beneficial options.

As a result, less than 0.07% of Americans have a tax-exempt “TERA” account, while more than half the population has a taxable 401(k) or a contribution-limited Roth IRA.

With a Fully Taxed 401(k):

  • Taxes on Growth: You pay taxes on any growth when you withdraw funds.
  • Market Dependent: Your growth and principal are not guaranteed, as most 401(k)s fluctuate with the market.
  • Limited Liquidity: Early withdrawals are penalized up to 10%.

With a Roth IRA:

  • Tax-Free Growth: You don’t pay taxes on growth, but…
  • Contribution Limits: You can only deposit up to $6,000 per year.
  • Market Dependent: Growth and principal are not guaranteed.
  • Limited Liquidity: Early withdrawals incur a 10% penalty.

With a Tax-Free TERA:

  • No Taxes on Growth: You never pay taxes on growth, ever (100% legal if compliant with current IRS tax codes).
  • Unlimited Contributions: You can deposit as much as you want, with every cent growing tax-free.
  • No IRS Reporting: Income within this account is not classified as “income” by the IRS.
  • Guaranteed Interest Rates: Your money grows at a consistent yearly rate, even if the market crashes.
  • Full Liquidity: You can access your account growth and value at any time without penalty.

There are numerous other fiscal benefits of an account like this.

Is It Too Good To Be True?

Absolutely not. These accounts are very real and have been used by wealthy individuals and families for over 100 years to build and pass on fortunes in a legally tax-free environment.

  • Historical Use: Presidents like John F. Kennedy, Taft, Cleveland, McKinley, Harding, and FDR (who held a large portion of his estate—$562,142 or over $7 million in today’s dollars—inside his account) utilized these accounts.
  • Recent Example: Even John McCain used his account to fund his electoral campaign in 2008.

The Only Question Is…

Do You Qualify For A Tax-Exempt Retirement Account?

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