While following existing codes and guidelines, QLS repositions the assets in a qualified retirement plan,with a portion of your outside personal savings into a Roth and life insurance policy. Designed to help our clients minimize the tax impact on qualified plan assets and increase the value and transferability of traditional assets. Additional assets outside the plan can be repositioned into a more favorable tax position. Learn more and get access to our informational videos by signing up to our weekly webinars on the Qualified Leverage Strategy.
Unlock Your IRA and Qualified Plan Assets To Avoid The 60%-70% Tax Trap
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Looking for ways to protect your assets and plan for the future? At RAI, we understand the often complex plan designs and trust vehicles that can better position small business owners and their families in retirement and beyond. Get the best of both worlds! Maximize your opportunities for qualified plan contributions, which result in large tax deductions, AND implement a strategy to reduce the tax impact on the access and growth of your retirement plan assets. The greatest expense most of us pay in our lives is taxes. Taxes have the largest financial impact on what we earn, what we spend, our investment returns and what is ultimately passed on to heirs.
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As The A. Taxes are the largest expense we pay in our lifetimes; however, the greatest taxation of all is placed on your IRA and qualified retirement plan assets. It is for this reason we introduce our clients to the patent-pending solution of the Qualified Leverage Strategy TM. Because QLS is focused on leveraging assets and mitigating taxes, your personal goals for ultimate asset distribution can be designed for either maximum income throughout retirement or maximizing legacy transfer at death. In many cases, both solutions can be achieved simultaneously. Of Course.
The strategic use of profit sharing plans in concert with Roth IRAs and Cash Value Life Insurance has the potential of re-characterizing qualified plan assets to tax free assets. These strategies are just taking a page from the playbook of the affluent. The name of the game here is to lower RMDs required minimum distributions. Stretch IRAs can reduce RMDs by beneficiary reassignments, generally spousal or children, that are predicated on the younger of the two. Gifting to adult children can stretch the income over the life of the younger beneficiary, thus reducing the RMD obligation. But the Qualified Leveraged Strategy goes beyond these tactics. The strategy optimizes the use of a profit sharing plan, a non-modified endowment contract and Roth IRA conversions of qualified monies. Optimize means best use of the money.