Infinite ROTH IRA on ROIDS, Cash Value Life Insurance

Tax-Free Withdrawals of an Infinite ROTH on ROIDS™

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An example of the superior benefits of an infinite ROTH on ROIDS™ (ROTH on steROIDS™) At age 45, Mr. Smith funds a Cash Value Life Insurance $20,000 for 5 years for a total investment of $100,000. At age 65, he will be able to withdraw $30,470 tax-free for the next 20 years for a total of tax-free $609,400. If Mr. Smith dies on his 65th birthday, his death benefit is $433,425. The power of an infinite ROTH on ROIDS™ (ROTH on steROIDS™)

Age Planned Premium 2% Rate of Return (Guaranteed) Cash Surrender Value Cash Account Value Rate of Return Death Benefit Coverage
45 $20,000 $9,665 $10,576 7.13% $433,425
46 $20,000 $23,502 $26,319 7.30% $433,425
47 $20,000 $42,255 $48,038 7.37% $433,425
48 $20,000 $61,260 $71,259 7.40% $433,425
49 $20,000 $80,609 $96,093 7.40% $433,425
50 $80,063 $102,207 7.42% $433,425
55 $74,402 $142,459 7.46% $433,425
60 $55,138 $205,106 7.46% $433,425
65 $21,552 $298,995 7.47% $433,425
66 ($30,470) $0 $290,194 7.47% $400,551
70 ($30,470) $0 $251,691 7.48% $318,310
75 ($30,470) $0 $192,135 7.49% $225,430
80 ($30,470) $0 $116,976 7.40% $167,075
85 ($30,470) $0 $18,031 7.49% $93,241
90 $72,953 7.49% $185,229
95 $203,837 7.49% $237,635
100 $471,134 7.49% $522,274

Another Example: at age 52, Mrs. Smith funds a Cash Value Life Insurance $50,000 for 7 years for a total investment of $350,000. At age 65, she will be able to withdraw $30,455 tax-free for the next 35 years for a total of tax-free $1,065,925. If Mrs. Smith dies on her 65th birthday, her death benefit is $1,218,109. ROTH on ROIDS™ (ROTH on steROIDS™). This chart shows your death benefit (green) to remain steady until you begin to withdraw and decline over the 35-year withdrawal period.

Bar chart describing the death Benefit gains of an infinite ROTH IRA on ROIDS™. An example of investing a Cash Value Life Insurance over a seven-year period.
A table of the superior benefits of a ROTH IRA on ROIDS™ This table describes the tax-free benefits of investing in a Cash Value Life Insurance.
Age Year Start of Year Balance Contribution Withdrawal Growth Annual Bonus Year end Balance
52 1 $0 $0 $0 $0 $50,000 $50,000
53 2 $50,000 $0 $0 $2,400 $50,000 $102,400
54 3 $102,400 $0 $0 $4,915 $50,000 $157,315
55 4 $157,315 $0 $0 $7,51 $50,000 $214,866
56 5 $214,866 $0 $0 $10,314 $50,000 $275,180
57 6 $275,180 $0 $0 $13,209 $50,000 $338,389
58 7 $338,389 $0 $0 $16,243 $50,000 $404,631
59 8 $404,631 $0 $0 $19,422 $0 $424,053
60 9 $424,053 $0 $0 $20,355 $0 $444,408
61 10 $444,408 $0 $0 $21,332 $0 $465,740
62 11 $465,740 $0 $0 $22,356 $0 $488,095
63 12 $488,095 $0 $0 $23,429 $0 $511,524
64 13 $511,524 $0 $0 $24,553 $0 $536,077
65 14 $536,077 $0 $30,455 $24,270 $0 $529,891
66 15 $529,891 $0 $30,455 $23,973 $0 $523,409
67 16 $523,409 $0 $30,455 $23,662 $0 $516,615
68 17 $516,615 $0 $30,455 $23,336 $0 $509,495
...
94 43 $163,044 $0 $30,455 $6,364 $0 $138,952
95 44 $138,952 $0 $30,455 $5,208 $0 $113,705
96 45 $113,705 $0 $30,455 $3,996 $0 $87,245
97 46 $87,245 $0 $30,455 $2,726 $0 $59,516
98 47 $59,516 $0 $30,455 $1,395 $0 $30,455
99 48 $30,455 $0 $30,455 $0 $0 $0
100 49 $0 $0 $0 $0 $0 $0

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.

Who qualifies for Cash Value Life Insurance that works like a ROTH but superior to the ROTH IRA? It's a ROTH on ROIDS™ (ROTH on steROIDS™). Every one qualifies, as long as they are insurable and have assets they can reposition. A longer investment period (get it when you're young) will result in a better tax-free retirement nest-egg because it has more time to grow.

Repositioning your home equity, equity in any commercial building or real estate to ROTH IRA on ROIDS™

Assume you have a personal residence with a home equity of $100,000 or more. Also, let's say that you have a separate cash or investment account. If you refinance your house to replenish your cash investment account, and you draw on the original cash to fund a Cash Value Life Insurance Policy $20,000 per year for the next 5 years, the younger your age, the more spectacular your results.

Your home equity or equity in your commercial real estate is stagnant, dormant, inactive, and unproductive, until you decide to sell. Selling has consequences. Therefore, repositioning your equity with the bank's money for your tax-free retirement nest-egg is repositioning OPM (other people's money) to work for you, in a tax-advantaged arrangement. Other advantages to your repositioning strategy that becomes tax-advantaged, your interest is tax-deductible* (reducing your effective cost of borrowing), your real estate is going to appreciate at the same rate, with or without a mortgage, and if you live in California and you see you house sliding down the mud slide or burned to the ground in wild fires, who's problem is it? This is not your problem because you have shifted the risk from you to your insurance and mortgage company (asset protection). Your money is in a safe place earning guaranteed to grow tax-free (wealth creation). It's one of the last tax-free loopholes in a risky economy. Your money is guaranteed to never go backwards.

* DISCLOSURE: Deductibility of interest on home equity debt as compared to home acquisition debt has limitations. You can deduct interest on the first $100,000 of home equity debt, and there are some other boundaries that can only be applied to each individual set of facts governed by IRC Title 26 Section 163. Too much for this article, Email me and I will send you this information.

This statement is required by IRS regulations (31 CFR Part 10, §10.35): Circular 230 disclaimer: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal tax advice contained in this communication (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.

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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