What Most Financial Advisor Don't Tell You ...
Eliminate Risk, Fees & Taxes (ERFT)
To see if you qualify, take our free assessment below
Understanding ERFT
ERFT: Eliminate Risk , Fees , and Taxes .
Taxes: Optimize your retirement plan in line with IRS guidelines to significantly reduce tax liabilities on growth or principal, unlike traditional 401(k)s. Benefit your spouse and dependents with minimized final expense obligations.
Risk: Experience stable returns of 5-8% annually with ERFT, without the market volatility associated with 401(k)s. Enjoy the advantage of non-taxable earnings under current IRS policies.
Fees: Say goodbye to the hidden fees typical in 401(k) plans. Properly structured ERFT plans ensure a fee-free retirement saving experience.
1. Free Assessment
Start with our quick online assessment to explore your retirement planning options.
2. Personalized Review
Tailored recommendations to minimize risks, fees, and taxes in your plan.
3. Hassle-Free Implementation
We manage the complexities of ERFT for you. Your satisfaction is our top priority.
Advantages & Disadvantages
ERFT is a common way to prepare for retirement. it's important to understand what this could mean for your retirement, so here are a few advantages and disadvantages.
Advantages
Tax Efficiency - The current IRS tax code favours the ERFT as long as it is properly structured. If it is set up correctly, your retirement becomes very tax-efficient.
Preservation of Capital - Protect your capital from market downturns and get a consistent income after retirement.
Guaranteed Capital Growth - Your interest rate is guaranteed. For ERFT-qualified individuals, your interest rate is protected for market downturns. Meaning even if the market underperforms, your investment is protected.
Proven Historical Performance - Historically, qualified individuals earn 5-8% a year. Compared to a regular bank account, you earn 30-40 times in interest.
Disadvantages
Not easy to set up - Most people don't know how to set up an ERFT or structure it for maximum benefits (Tax, Fees, and Risk). More than half the US population has a taxable 401(k) or similar tax-deferred retirement account just because that's what "they've been told"...
Qualification process - While ERFT is not just available for the super-wealthy, Under the current jurisdiction (State-by-state specific), you do have to qualify for such an account. An ERFT can only be set up if you're qualified. When in doubt, please seek professional help.
This list is not exhaustive but encompasses the main advantages and disadvantages of ERFT.
Frequently Asked Questions
A.) Why Choose ERFT Over Traditional 401(k) or IRA?
Traditional retirement accounts like 401(k)s or IRAs are often standard solutions with limited personalization. ERFT offers a tailored approach, maximizing your retirement benefits.
B.) Why Hasn't My Financial Advisor Mentioned ERFT?
Many financial advisors are aligned with commission-based products and may not be aware of or fully understand the ERFT strategy. This lack of knowledge leads to widespread reliance on taxable retirement accounts.
C.) Qualifying for ERFT: What's the Process?
Eligibility for ERFT isn't solely based on wealth. Factors include employment status, income sources, and existing investment strategies. To determine your qualification, please complete our assessment.
D.) Is ERFT Accessible Only to the Wealthy?
No, ERFT is not exclusive to the affluent. While qualification varies by state, our team can help simplify the process. Start by completing our assessment to explore your options.
F.) What Are Your Fees?
$0 - We prioritize effective retirement solutions and offer free initial consultations. Our focus is on safeguarding your financial future.
Free Resources
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