No statutory cap on what you contribute each year, so you can accumulate more, faster.
Gains are not taxed each year, so compounding works without the annual drag.
No age restrictions or early-withdrawal tax penalties like traditional retirement plans.
In many states, cash values are protected from creditors and lawsuits.
Most retirement plans limit how much you can contribute each year, which makes it hard for high earners to save enough for the retirement they want. This plan has no such limits.
The plan uses a unique institutional life insurance contract to accumulate assets on a tax-deferred basis, so gains compound without being taxed year to year. Inside the contract, you choose how your account is invested from a range of investment options, and you can adjust that allocation as your goals change.
You can access your account values at any time without the age restrictions of traditional plans, and following certain guidelines, distributions can even be tax-free. Asset protection rules vary by state, so speak with an advisor about yours.
Every plan is designed around your income, timeline and goals. Tell us how to reach you.
We've received your request, and an advisor will be in touch within one business day. If you need us sooner, call 949.335.0199 or email ACGbenefits@wmswealth.com.