Tax Free Retirement
Is a tax-free retirement possible?
Not only is a tax-free retirement possible, but it should be your goal when planning for your retirement.
When will I have to pay taxes with a tax-free account?
You pay taxes before making contributions so that all future growth and withdrawals remain tax-free—avoid paying taxes later on distributions from traditional retirement accounts.
Can I easily invest in a tax-free account if I'm just getting started?
Yes. Whether through a defined contribution plan or a self-directed IRA, basic guidance can help you set up a tax-free retirement account and begin funding it effectively.
What accounts can be used for a tax-free retirement?
Options may include Roth IRAs/401(k)s and life-insurance-based strategies like indexed universal life. Suitability depends on goals, contribution limits, time horizon, and eligibility. The Krainbucher Group can help you compare choices and build the right mix for your plan.
Is it really tax-free?
With the tax-free retirement account, you don’t pay taxes on principal or growth—ever. Compare this to a traditional 401(k) or IRA, where you’ll pay taxes either before or after investing.
Can I easily get and use the money?
All money put into and earned in your account is cash you can withdraw in any amount, at any time, without penalty. By comparison, traditional accounts can be taxed at current rates and may penalize early withdrawals based on age.
Is the interest rate guaranteed?
Your money grows at the same yearly rate as when you opened your account, even if the market crashes. This differs from 401(k) and IRA accounts that track the market’s movement, including both its ups and downs.
How do I report these earnings?
The IRS doesn’t treat growth inside this type of account as taxable income. By contrast, contributions and earnings in many traditional retirement accounts must be reported and may be taxable.
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