FFM - Private Pension Planning

“In June of 1988, Congress created Non-MECs, a product that allows you and your family to build tax free wealth forever! It's a real retirement planning breakthrough for Doctors, Attorneys, and Professional Executives. It's worth taking a good, hard look at.”

Mark R. Fielder
President, FFM, LTD.

Here's a Sampling of the Benefits Offered by the Tax-Free "Private" Retirement Plan:

An IRS-approved "qualified" retirement plan is a popular way for many professionals and entrepreneurs to help close the Social Security gap and ensure a decent, comfortable lifestyle in retirement.

But, while IRAs and other qualified plans are good, they're not the perfect solution for many people.

For one thing, when you have a tax qualified plan (IRA, SEP, 401K) you have to play by IRS rules. You'll be hit with a hefty penalty if you withdraw your money before age 59-1/2 (under most circumstances)...or if you wait until you're older than 70-1/2.

Of course, you do get the wonderful benefits of tax-deferred growth but you are limited on the amount of money you can invest in IRAs and 401K's. And you'll still pay Federal, state, and local taxes on it when you take it out, plus a 10% pre age 59-1/2 penalty on early withdrawals.

A "private" pension plan is a little-known retirement planning alternative that many tax-conscious investors are quickly discovering. Better than tax-deferred, a private pension is tax free providing you keep the contract in force and it is not surrendered.

1. First, a "private" pension lets investors reap the potential rewards of investing with some of the largest financial institutions in the world on a completely tax-free basis. That's right--all earnings are reinvested without paying taxes along the way.

2. After the plan has been in force for only 1 year, most plans allow you to withdraw up to 90% of your plan's value 100% tax-free. (The only expense you incur for this privilege is an extremely low "loan" fee that nets out at 0 to 1%.). Since you pay no income tax, you avoid that 30% to 40% cut you'd have to give up on the income from your IRA.

Another tax advantage: the plan's tax-free status means that no income you withdraw can raise your overall income tax bracket, so you avoid any indirect tax hike, too.

And because the IRS doesn't define it as a "qualified" retirement plan, there are no limits on how much you can contribute to a private pension, nor on when you take your money out. So if you want to retire early and need to tap into your plan before you reach age 59-1/2, you won't have to worry about paying a 10% government-imposed penalty.

On the other hand, if you reach age 70-1/2 and still don't need the money in your private pension plan to get by, you won't be forced to take distribution just to hang on to your valuable tax privileges.

Private retirement plans are set up through simple investments in what is known as 7-Pay or Non-MEC Pay Life Insurance. When Congress stripped most tax-advantaged insurance plans of their enormously appealing benefits in 1988, the powerful insurance industry did consumers a genuine favor by ensuring a select few plans intended for serious savings -- including these Life plans -- remained intact.

It's Fairly Easy To Set Up A Private Pension . . .
(But You'll Need Some Professional Guidance)

We've helped hundreds of private investors design tax-free "private" pension plans and while these plans aren't extremely complicated, there are definite rules and tricks to setting them up for maximum accumulation.

That's why it helps to have someone with experience at the helm to set up the plan and ensure you're off to a trouble-free start.

When you call FFM, you'll speak with an experienced Specialist. Your Specialist will ask you about your retirement planning concerns. Then, they'll help you find the best possible solutions and recommend a specific plan to meet your financial goals.

Your Specialist will also send you free information detailing exactly how a "private" pension works, plus give you real-life examples of how others have used them to create a more secure, worry-free retirement.

And, by the way, if you're a Doctor, Attorney, or Private Entrepreneur, you can also set up a tax-free pension as a "corporate" retirement plan for you, your partners, and your selected staff members without having to worry about discrimination rules. They are also a great tool for Buy-Sell Agreements.

Why throw your money down the drain with Term Life? Instead build equity and help supplement your other plans.

A tax-free "private" pension is also an excellent method of attracting and retaining key employees. Be sure to ask your Specialist for more details.

Action To Take

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Securities are offered through Girard Securities, Inc. member FINRA, SIPC.
Mark R. Fielder, Registered Principal. CA. Insurance Lic. # 0690576.