T.F.R.A.

Enjoy a Tax-Free Retirement

Explore Tax-Free Retirement Strategies

Why are income taxes a retirement risk?

Retirement is not about assets, it is about income. Income taxes effectively reduce your purchasing power on a compounding basis. You can increase your income in retirement without adding any risk to your portfolio of assets by reducing or eliminating your annual income tax liability.

  • Retirement is about income!
  • Income taxes are expensive
  • Higher returns = higher taxes

Our Process

Live the lifestyle you desire in retirement. Share with us your current situation and your retirement priorities. No one wants to spend their final years stressed or worried about running out of income. Once we understand what matters most to you, we’ll craft a plan to address any retirement risks and secure your financial future.

  • Achieve the retirement you want!
  • Create an income stream you cannot outlive
  • Have a plan to achieve all your goals

What do I need to tax diversify my income in retirement?

Diversifying your income in retirement is essential to reduce risk and ensure financial stability. By having multiple income streams, you're less vulnerable to economic fluctuations and tax law changes in any single source of income. This approach helps maintain a consistent cash flow, giving you greater peace of mind and flexibility in your retirement years.

  • Reduce risk
  • Make volatility work for you
  • Eliminate legislative risk

How will QX Financial help me achieve a 0% income tax bracket?

We help clients achieve a 0% income tax bracket by leveraging strategic financial planning strategies, including the use of tax-free or tax-advantaged vehicles. By structuring your finances with tax-efficient solutions and utilizing tools like whole life insurance, we aim to minimize taxable income and maximize wealth accumulation opportunities, ultimately leading to a reduced or even 0% income tax bracket in retirement.

  • Identify strengths and weaknesses
  • Optimize operational efficiency
  • Increase revenue streams

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

A Tax-Free Retirement Account (TFRA) is a retirement strategy that leverages the Infinite Banking Concept (IBC) using whole life insurance policies. The primary goal is to diversify the tax status of your retirement savings and provide tax-free income during your retirement years. By using the cash value accumulation of whole life insurance, you can access your funds without incurring taxes, giving you greater financial flexibility and security.

Unlike traditional retirement accounts such as a 401(k) or IRA, which may be subject to taxes upon withdrawal, a TFRA allows you to access your funds tax-free. With a TFRA, you pay taxes on your contributions upfront, allowing the funds within the account to grow tax-free. When you need to access the money, you can do so through policy loans or withdrawals without triggering tax events, providing a significant tax advantage in retirement.

Yes, you can still contribute to your 401(k) or IRA while also using a TFRA. In fact, having a TFRA alongside other retirement accounts can provide a diversified tax strategy, balancing taxable and tax-free income sources. This approach can help optimize your overall retirement income and reduce your tax liability during your retirement years.

You can access the funds in your TFRA through policy loans or withdrawals from the cash value of your whole life insurance policy. These loans are typically tax-free, and as long as the policy remains in force, you do not have to repay the loan. However, unpaid loans may reduce the death benefit and cash value of the policy. This flexibility allows you to access your savings without incurring taxes, unlike traditional retirement accounts.

While TFRAs offer significant tax advantages, there are some risks to consider. The success of this strategy depends on the proper design and management of the whole life insurance policy, including maintaining premium payments and understanding the impact of policy loans. Additionally, not all whole life insurance policies are created equal, so it’s crucial to work with a knowledgeable financial advisor to select a policy that aligns with your retirement goals and financial situation.

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

    Yanko Castro

    Founder & CEO