Equity Vesting™ (Roth IRA on Roids™):

Equity Vesting™ (also known as Roth IRA on Roids™) is the repositioning of your vested equity in your home or commercial real estate through equity mortgage refinancing. Your borrowed cash is then used to buy wealth building Cash Value Life Insurance.

Everyone understands the power of the Roth IRA ( Roth IRA Wikipedia ). Contributions to your Roth IRA are with after-tax money. But unlike other pension plans, Roth IRA distributions are tax-free. The problem is, Roth IRA contributions have restrictions. For 2008 the maximum contribution is $5,000 per year with a one time catch-up allowance of $1,000 for those individuals age 50 and above.

For wealth building, those restrictions are not good for most of us who want to create tax-free wealth and tax-free transfers to our next generation beneficiaries. In addition, Roth IRA investments are not guaranteed and are subject to substantial market losses. Almost all have lost money in the stock market especially in light of the 2008 past events.

There are no contribution restrictions with Equity Vesting™ (i.e. Roth IRA on Roids™). You can invest $100,000, or $200,000 or more per year. One million dollars or two million dollars or greater are possible with contributions in Equity Vesting™ (Roth IRA on Roids™) with the only possible limitations due to your insurability and the insurance company. With Equity Vesting™ (Roth IRA on Roids™) your money never goes backwards. Your money has a minimum guarantee and a death benefit, in case you die prematurely. Essentially, you are given unlimited investment contributions with Equity Vesting™ (Roth IRA on Roids™) to reposition your vested equity in your home or commercial real estate via equity mortgage refinancing.

Your borrowed cash from your equity in real estate, or other investments, will grow tax-free in a safe environment and withdrawn tax-free through guaranteed insurance policy loans, typically to fund your retirement nest egg. With diminishing tax-favored strategies, Equity Vesting™ (Roth IRA on Roids™) could be one of the very last tax advantaged investment opportunities.

In law, "Vesting" is to give an immediate secured right of present and future enjoyment which cannot be taken away by any third party, most common are inheritance law and retirement law, termed as a "vested interest". Equity Vesting™ (Roth IRA on Roids™) is about using an otherwise stagnant asset (equity in your home) to expedite your retirement goal in a most tax efficient environment. In our case, the meaning of the word "vesting" is to describe your accumulated equity in your home or other commercial real estate. Your equity is the difference between the fair cash-selling price of your personal residence, less your mortgage balance.

Cons of Roth IRA

The concept of Roth IRA is a non-traditional form of IRA (Individual Retirement Account) sponsored by US Senator William Roth of Delaware to secure a tax-free right to pension planning. Some important points to note on the cons of the Roth IRA are described as follows. Contributions to your Roth IRA are not tax-deductible. Furthermore, transactions within the Roth IRA (i.e. interest, dividends, capital gains) are not-taxable; however, unlike other pension plans, Roth IRA distributions are tax-free.

With the Equity Vesting™ (Roth IRA on Roids™), at age 40, Mr. Smith funds a Cash Value Life Insurance $50,000 for 5 years for a total investment of $250,000.

At Mr. Smith's age 65, he will be able to withdraw $174,170 tax-free for the next 33 years for a total of TAX-Free $5,747,170. If Mr. Smith dies on his 65th birthday, his death benefit is $1,385,157.

Policy Year	Age	Annual Outlay	Guaranteed Cash Value	Guaranteed Death Benefit	Current Cash Value	Current Death Benefit	Annual Income
1	40	50,000	23,662	1,470,773	26,441	1,473,552	0
2	41	50,000	54,258	1,513,810	62,941	1,522,494	0
3	41	50,000	101,445	1,557,540	199,484	1,575,579	0
4	43	50,000	149,351	1,601,976	180,552	1,633,177	0
5	44	50,000	197,963	1,647,131	246,519	1,695,687	0
6	45	0	199,193	1,644,904	266,485	1,712,196	0
7	46	0	200,205	1,642,459	287,727	1,729,981	0
8	47	0	200,822	1,639,620	310,170	1,748,967	0
9	48	0	201,396	1,636,723	334,308	1,769,634	0
10	49	0	201,725	1,633,595	360,074	1,791,944	0
		250,000
...(intentional gap)
21	60	0	109,002	1,537,415	873,233	2,301,646	0
22	61	0	92,986	1,521,399	945,704	2,374,117	0
23	62	0	74,920	1,503,333	1,023,679	2,452,092	0
24	63	0	54,415	1,482,828	1,107,673	2,536,086	0
25	64	0	31,423	1,459,836	1,198,069	2,626,482	0
26	65	0	0	0	1,123,556	1,385,157	174,170
27	66	0	0	0	1,048,097	1,319,393	174,170
28	67	0	0	0	972,003	1,252,557	174,170
29	68	0	0	0	895,573	1,184,787	174,170
30	69	0	0	0	819,158	1,116,250	174,170
		250,000					870,850
Beginning age 65, this individual may begin to withdraw $174,170 per year tax-free
...(intentional gap)
52	91	0	0	0	985,191	1,487,403	174,170
53	92	0	0	0	1,239,988	1,650,303	174,170
54	93	0	0	0	1,560,754	1,859,077	174,170
55	94	0	0	0	1,964,839	2,127,765	174,170
56	95	0	0	0	2,435,389	2,613,319	174,170
57	96	0	0	0	2,980,213	3,174,497	174,170
58	97	0	0	0	3,608,914	3,821,034	174,170
59	98	0	0	0	4,515,866	4,747,441	174,170
60	99	0	0	0	5,537,706	5,790,499	174,170
		250,000					5,747,610

Here is another illustration of the benefits of the Equity Vesting™ (Roth IRA on Roids™): at age 40, Mr. Smith funds a Cash Value Life Insurance $25,000 for 10 years for a total investment of $250,000.

At Mr. Smith's age 65, he will be able to withdraw $170,017 tax-free for the next 33 years for a total of tax-free $5,610,561. If Mr. Smith dies on his 65th birthday, his death benefit is $1,711,378.

Policy Year

Policy Year	Age	Annual Outlay	Guaranteed Cash Value	Guaranteed Death Benefit	Current Cash Value	Current Death Benefit	Annual Income
1	40	25,000	11,743	733,565	13,124	734,946	0
2	41	25,000	26,944	754,971	31,260	759,288	0
3	42	25,000	50,419	776,722	59,387	785,690	0
4	43	25,000	74,252	798,824	89,765	814,338	0
5	44	25,000	98,435	821,283	122,578	845,426	0
6	45	25,000	122,898	844,021	157,957	879,081	0
7	46	25,000	147,731	867,130	196,223	915,622	0
8	47	25,0000	172,856	890,531	237,538	955,213	0
9	48	25,0000	198,459	914,402	282,366	998,310	0
10	49	25,000	224,447	938,667	330,910	1,045,129	0
...(intentional gap)
21	60	0	207,081	919,576	841,493	1,553,988	0
22	61	0	202,047	914,542	915,770	1,628,265	0
23	62	0	196,049	908,544	996,378	1,708,873	0
24	63	0	188,897	901,392	1,083,912	1,796,407	0
25	64	0	180,566	893,061	1,178,931	1,891,426	0
26	65	0	0	0	1,102,557	1,711,378	170,017
Age 65
27	66	0	0	0	1,025,796	1,520,707	170,017
28	67	0	0	0	949,441	1,318,786	170,017
29	68	0	0	0	874,226	1,156,544	170,017
30	69	0	0	0	799,631	1,089,640	170,017
		250,000					850,085
Beginning age 65, this individual may begin to withdraw $170,017 per year tax-free
...(intentional gap)
52	91	0	0	0	961,634	1,451,868	170,017
53	92	0	0	0	1,210,348	1,610,877	170,017
54	93	0	0	0	1,523,457	1,814,666	170,017
55	94	0	0	0	1,917,898	2,076,939	170,017
56	95	0	0	0	2,377,218	2,550,905	170,017
57	96	0	0	0	2,909,040	3,098,690	170,017
58	97	0	0	0	3,522,739	3,729,800	170,017
59	98	0	0	0	4,408,052	4,634,104	0
60	99	0	0	0	5,405,513	5,652,276	0
		250,000					5,610,561

Disclosure statements: Your numbers will be different based on your age, health, and number of years it's allowed to grow. We can provide you with similar schedules applicable to your specific age and the number of years you want to grow your money.

Rocco Beatrice, CPA, MST (Master of Science in Taxation), MBA (Master of Business Administration), BSBA (Management/Accounting), CWPP (Certified Wealth Preservation Planner), CMMB (Certified Mortgage Broker), CAPP (Certified Asset Protection Planner), Managing Director, Estate Street Partners, LLC. Mr. Beatrice is an asset protection, award-winning trust, estate planning and tax expert.

If you are seeking for the best return on your IRA and Roth IRA investments while reducing your taxes then call us now for your initial, completely FREE, no obligation, no sales pressure, 100% total & complete client privacy consultation. Call us toll-free now at 888-93-ULTRA (888-938-5872)!

Estate Street Partners, LLC
Uncompromising, Alternative and Exclusive Retirement Planning & Wealth Management for an Accelerated Chartered Roadmap to Financial Success

Boston (head office):
71 Commercial Street #150, Boston, MA 02109
toll-free: 888-93-ULTRA (888-938-5872)
tel: +1.508.429.0011 fax: +1.508.429.3034
California:
543 Victoria Ste. J, Costa Mesa, CA 92627
toll-free: 888-93ULTRA (888-938-5872)
Nevada:
Only by appointment: 2235 E. Flamingo Road, Suite 201-G, Las Vegas NV 89119
toll-free: 888-93ULTRA (888-938-5872)
tel: 702.615.7616 fax: 702.796.6694