The “common sense” retirement approach used by many American savers may not always work as planned. The traditional 401(k) retirement strategy promises “tax deferred” savings, BUT does it work?

In today’s economic climate where all indicators suggest that taxes – all taxes – will rise considerably in the coming years, does it make sense to continue deferring tax at a 20% tax rate only to pay 30% in federal taxes when the funds are withdrawn? Wouldn’t it make more “fiscal” sense to pay the 20% in federal income tax today and position the dollars in a savings vehicle whereby the retiree pays no taxes when the funds are used in retirement?

Life insurance as a savings alternative to 401(k) plans may be an appropriate solution for your clients who are concerned about:

• future income tax liabilities
• restrictive 401(k) contribution and distribution rules
• continued losses in the equity markets

Join us and learn more during our 45 minute teleconference. This teleconference is free and is designed to enhance your commissions and quality of advice. Register now!

"Life Insurance as a 401(k) Alternative"

Wednesday, February 10, 2010 @ 11 A.M. Central Time

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