Tax-Free Retirement for High Earners | IUL vs. 401(k) Limits

If you are a high earner making over $200,000, you have likely already hit a "tax wall." You’ve maxed out your 401(k), you're ineligible for a direct Roth IRA, and your taxable brokerage accounts are being eroded by capital gains every year.

In 2026, proactive tax strategy is essential to preserving long-term wealth. Many high-net-worth individuals are turning to Indexed Universal Life (IUL) as a powerful alternative to traditional qualified plans.

Why the IUL is the Ultimate Tax-Efficiency Tool:

• No Contribution Limits: Unlike the 401(k) or IRA, there are no IRS-imposed contribution limits on an IUL, allowing you to move significantly more money into a tax-deferred growth environment.

• Tax-Free Retirement Income: By utilizing properly structured policy loans, you can access your cash value tax-free during retirement. This income doesn't count toward your AGI, which can help lower your future Medicare premiums and tax bracket.

• 0% Market Floor: Your cash value is linked to market indices like the S&P 500, giving you upside potential with the safety of a 0% floor against market losses.

• No RMDs: Unlike a 401(k), there are no Required Minimum Distributions. You decide when and how much to withdraw.

Next Step: Don't let your wealth be eroded by the 2026 tax cliff. Click here to request your custom Tax-Free Retirement Audit and see how a properly structured IUL can enhance your portfolio.