Using safe asset allocations and mostly fixed return strategies, the Roth Excelerator aims to assist millions of Americans in achieving a more tax-efficient retirement by facilitating the conversion of their qualified funds into tax-free or tax-effective funds.
This strategy eliminates the necessity for Required Minimum Distributions (RMDs) that must be taken annually and are taxed as ordinary income. It is also beneficial for beneficiaries who inherit unused funds during their highest earning years.
With the elimination of the stretch IRA, beneficiaries now face a greater tax burden than originally anticipated, as inherited qualified funds must be distributed over a short 10-year period. This change has potentially resulted in $17 trillion in taxes.
The Roth Excelerator supports Americans in retirement more effectively, especially those who have been diligent in saving. Additionally, the success of this initiative positively impacts their Medicare and Social Security benefits and distributions, providing a more secure and stable financial future for those who trusted advisors and legislation to create larger retirement accounts and substantial inheritances for their beneficiaries.
** For Illustrative Purposes Only: All results from tools created by Excel Empire regarding the likelihood of various outcomes are hypothetical in nature, do not reflect actual potential results and are not guarantees of future results.
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** These figures may exclude commissions, sales charges or fees which, if included, would a negative effect on the annual returns. You should always consult a qualified tax professional regarding any potential tax implications. There are risks associated with Excel Empire that you should consider and discuss with your Excel Empire representative and other financial professionals, including, but not limited to, market risk, interest rate risk, and additional loan renewal requirements. All clients should be prepared to the equivalent of this amount to their policy annually.
Excel Empire and its affiliated partners offer life insurance sales services. Services are offered through Excel Empire and its licensed insurance agents. Excel Empire, Trawick Financial and other affiliated parties do not intend to provide investment advice through this site or the use of the tools on the site and does not represent that the products or services discussed are suitable for every investor. The information, data, analysis and opinions contained in this report include the confidential and proprietary information of Excel Empire; may include or be derived from account information provided by you which cannot be verified by Excel Empire; may not be copied or redistributed; does not constitute financial or investment advice; are provided solely for informational purposes and do not constitute an offer to buy or sell life insurance or any security; and are not warranted to be correct, complete or accurate. Excel Empire shall not be responsible for any decisions, damages or other losses resulting from the use of this information, data, analysis or opinion. This report is supplemental sales literature. If applicable, this report should be preceded or accompanied by a prospectus, or equivalent, and disclosure statement.