Other Financial Strategies

Modern Financial Strategies for the New Economy

Expert Financial Planning Strategies for All

SuperROTH Alternative

Using a Whole Life policy as an alternative to a Roth IRA offers significant benefits, including tax-free growth and withdrawals, greater liquidity, and flexibility. Unlike Roth IRAs, Whole Life policies allow you to access your funds at any time without penalties, providing a reliable source of cash for various financial needs while also building wealth for retirement. Additionally, Whole Life policies offer a death benefit, adding an extra layer of financial security for your loved ones.

  • Grow your money tax-advantaged
  • Income tax-free withdrawals
  • No penalties or taxes to access your money anytime

Beyond 529 Plans

Unlike 529 plans, Whole Life policies allow you to use the cash value for any purpose, including education, without penalties, and they also offer a death benefit, providing financial security for your family. Additionally, the cash value grows tax-deferred and can be accessed tax-free through policy loans, offering a versatile and secure way to fund educational expenses.

  • Tax-free access to your money for ANY reason
  • More flexibility to spend the money outside of education
  • Death benefit, critical illness, and disability protection*

Our Process

Using a Whole Life insurance policy to maximize a retiree's pension plan benefits offers a strategic way to enhance financial security. By purchasing a policy, retirees can opt for a higher pension payout without worrying about leaving their spouse or beneficiaries without support, as the death benefit from the policy can provide for them. Additionally, the cash value of the Whole Life policy grows tax-deferred, offering a supplementary income stream that can be accessed tax-free during retirement and can offset taxable income from the pension plan.

  • Get a higher pension payout
  • Protect your spouse and/or beneficiaries
  • Offset taxes and fees

Actuarial Science-Based Retirement

We promote a comprehensive retirement planning approach that prioritizes mitigating risks like longevity, market volatility, and inflation. Our strategy involves using sustainable withdrawal rates, asset diversification, and integrating income annuities to ensure retirees have a reliable income stream. By incorporating actuarial science, we enhance longevity projections and advise on adapting strategies to changing circumstances, empowering retirees to achieve long-term financial security with confidence.

  • Incorporate actuarial science into your retirement plan
  • Higher withdrawal rates with less risk
  • More guaranteed income in retirement

What our clients are saying

Discover how QX Financial professionals have transformed the lives of our clients.

My old financial advisor always told me that achieving higher rate of return was always the goal. When I met the team at QX Financial I started to understand that, when it comes to a successful retirement, it is not about the rate of return but about the rate of withdrawal. I do not have to take more risk in order to have more income in retirement!

Salvador
Real Estate Agent

For me it was all about service. When you work with big companies, they never call you back or it takes forever to get something done. I love the fact that I can call, text, or email my advisor directly and I always hear back. That was important to me.

Judy
Current Retiree

The team at QX Financial helped me understand the true cost of my student loans. Now I know that most young people become “debt-free and broke” when using traditional methods. I do not have to be one of them. I have found another way.

Stephen
Attorney at Law

Financial companies are always selling new hot thing and always pushing an agenda. But these guys always listened to me and did what they said they were going to do. That was enough for me.

Robert
Satellites Engineer

No. If the policy is properly designed, you can access a large percentage of your funds in the early years and all of your funds in later years, unlike a traditional ROTH IRA.

Both the 529 plan and Whole-Life alternative contributions are not tax deductible. Both accounts will grow tax-deferred with no capital gains taxes. The difference will be that the 529 plan can only be used tax-free for qualified educational expenses (as of 2024) whereas the Whole Life alternative can be used tax-free for anything the student needs for their educational journey.

Once you select your pension distribution, there is no flexibility and there are no other alternatives. Therefore, the pension maximization strategy should be implemented BEFORE selecting a pension distribution option. The option of “self-insuring” to provide income to a spouse or beneficiary after the fact has a high chance of suffering market volatility issues, income taxation, and risk of income shortage. A life insurance contract will provide guarantees, an income tax-free death benefit, and a predetermined amount for preventing a shortage of lifetime income.

Retirement is about income, not assets. By leveraging the power of actuarial science embedded in both whole-life policies and annuities as part of your retirement portfolio, we can minimize volatility risk, provide higher and more guaranteed income in retirement, experience potential for higher growth, eliminate longevity risk, and address legacy and estate planning issues. None of this is possible using traditional portfolio theory (with, perhaps, the exception of the potential for higher growth).

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    "Effective capital creation and accumulation is the key to real financial freedom."

    Yanko Castro

    Founder & CEO