If you’re earning $50K or more as an employee, self-employed professional, or business owner, you already know that taxes take a significant bite out of your income – and they don’t stop in retirement.
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401(k)s are fully taxable when you withdraw.
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Roth IRAs have strict income and contribution limits.
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Market downturns can erase years of savings overnight.
That’s why more people are turning to TFRAs (Tax-Free Retirement Accounts) – a strategy often compared to an “enhanced Roth” but with greater flexibility.
How a TFRA Works for You
✔ Grows tax-free
✔ Withdraw tax-free – legally
✔ No market losses
✔ No income or contribution limits
✔ Provides a tax-free legacy for your family
Most people haven’t heard of this strategy – not because it’s new, but because Wall Street makes nothing from it.
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Why Employees, Self-Employed Professionals, and Business Owners Are Using TFRAs Instead of a 401(k) or Roth IRA
1️⃣ 401(k)s Seem Great – Until You Start Paying Taxes on Withdrawals
Tax-deferred growth sounds good – until you retire and every dollar you withdraw is taxed as ordinary income. (IRS Publication 575)
If tax rates go up, your $1 million 401(k) could shrink to $600K after taxes.
A TFRA allows you to take income tax-free – no surprises.
2️⃣ Roth IRAs Offer Tax-Free Growth – But Only If You Qualify
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Make over $161K (single) or $240K (married)? You can’t contribute.
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Even if you qualify, you can only put in $7,000 per year ($8,000 if 50+).
A TFRA has no income limits and no contribution restrictions.
3️⃣ TFRAs Combine the Best of a Roth IRA & a 401(k) – Without the Downsides
| Feature | 401(k) | Roth IRA | TFRA (“Enhanced Roth”) |
|---|---|---|---|
| Tax-Free Growth? | No (Tax-Deferred) | Yes | Yes (IRS 72(e)) |
| Tax-Free Withdrawals? | No (Taxed at Retirement) | Yes | Yes (IRS 7702) |
| Contribution Limits? | Yes ($23,000/year) | Yes ($7,000/year) | No Limits |
| Income Restrictions? | No | Yes ($161K/$240K) | No |
| Required Withdrawals at Age 73? | Yes | No | No |
| Market Risk? | Yes | Yes | No (Market-Protected) |
| Penalty for Early Access? | Yes (10% before 59½) | Yes (Some Exceptions) | No (Policy Loans) |
| Death Benefit for Family? | No | No | Yes (IRS 101(a)) |
A TFRA gives you more control over your financial future.
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How Does a TFRA Work?
Unlike a 401(k) or Roth IRA, a TFRA is not a government-sponsored plan. Instead, it’s a privately owned, tax-advantaged financial vehicle structured under IRS Sections 7702 & 72(e).
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Your money grows tax-free.
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Withdrawals are tax-free – before retirement if needed.
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You never lose money in a market downturn.
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It includes a tax-free death benefit for your family.
This strategy has existed for decades, but only licensed financial professionals can set it up properly to ensure compliance and maximize benefits.
🔽 Find Out If You Qualify for a TFRA 🔽
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Top Companies Offering TFRA-Compatible Policies
Not all life insurance companies provide the right policies for a TFRA strategy. Here are some of the best:
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MassMutual – Offers non-direct recognition Whole Life policies, meaning your cash value keeps growing even when you take loans against it.
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Penn Mutual – A top-tier mutual company with strong Indexed Universal Life (IUL) and Whole Life options.
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Guardian Life – Known for high dividends and both direct & non-direct recognition Whole Life policies.
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Lafayette Life – A leader in high-cash-value Whole Life with strong growth potential.
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Nationwide – Offers Indexed Universal Life (IUL) policies with competitive participation rates.
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Northwestern Mutual – A well-known mutual company with dividend-paying Whole Life policies, though mostly direct recognition.
Understanding Direct Recognition vs. Non-Direct Recognition
Non-Direct Recognition (Best for Policy Loans)
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Your cash value continues growing even when you take out a loan.
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Best for using a TFRA as a tax-free retirement income vehicle.
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Example companies: MassMutual, Penn Mutual, Guardian (Select Policies).
Direct Recognition
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Dividend earnings adjust based on outstanding policy loans.
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Can still work, but may reduce growth if loans are taken.
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Example companies: Northwestern Mutual, some Guardian policies.
Choosing the right company and policy structure is key to maximizing your tax-free retirement benefits.
Who Should Consider a TFRA?
If you’re earning $50K+ and want more control over your retirement, a TFRA may be the best option for you.
✔ Employees Making $50K or more – If you make too much for a Roth IRA, a TFRA provides the same tax-free benefits with no limits.
✔ Self-Employed & 1099 Contractors – No employer-sponsored plan? A TFRA puts you in control.
✔ Business Owners – Looking for a tax-free way to protect and grow your wealth?
✔ Anyone Who Wants Tax-Free Retirement Income – Keep more of your money and pay ZERO taxes in retirement.
How to Get Started
A TFRA must be structured properly to follow IRS Sections 7702 & 72(e) and maximize tax-free growth.
🔽 Find Out If You Qualify for a TFRA 🔽
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