Equity Vesting™ (Roth IRA on Roids™):

Cash Value Life Insurance

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Powerpoint slides on a superior retirement planning strategy called Roth IRA on Roids which allows for tax-free distributions, tax-free growth, guaranteed principal and guarateed death benefits.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Your borrowed cash from your equity in real estate, or other investments, will grow tax-free in a safe environment and withdrawn tax-free through guaranteed insurance policy loans, typically to fund your retirement nest egg.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.

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