Tax-Free Retirement Strategy Tool

Your Path to Tax-Free
Retirement Income.

We'll identify which tax-free strategies are available to you, explain what each one does, and then let you decide how to use them.

Step 1 — Your Situation
Enter your numbers so we can check eligibility and show you your options.
About You
Used to check Roth IRA eligibility
Your Relationship with Market Risk
📊 How do you feel about market risk in your retirement savings?
🚀I embrace itComfortable with ups and downs
⚖️ModerateSome risk is okay
🛡️CautiousI don't like seeing it drop
🔒I want outProtect first, grow second
🛡️ Good news for cautious investors
One of the strategies below — the IUL — has a 0% floor. In years when the market drops, your account credits zero — never negative. You grow in good years and lose nothing in bad ones.
🔒 The IUL was built for this
If you want your retirement savings out of direct market exposure, the IUL is the vehicle. You're linked to an index — but you never directly own market assets. In a down year: credited 0%. Your principal is never at risk from market losses.
Current 401(k) Situation
For employer match calculation
Available Savings Budget
Your Eligibility
Your Two Tax-Free Options
Both give you tax-free income in retirement. Here's how they're different — then you decide how you want to use them.
🟣 Tax-Free Option 1 — Roth IRA
The Government Vehicle
A government-sponsored savings account with simple, proven tax-free structure.
What it does
✓
Tax-free income in retirement — contributions are after-tax, withdrawals are 100% tax-free.
Government rules apply
⚠
Income limits apply — phases out above certain thresholds
⚠
Capped at $7,000–$8,000 per year by the IRS
✗
No market protection — account moves with the market
✗
No death benefit
✗
No living benefits
One job: build tax-free retirement savings within IRS limits.
🟢 Tax-Free Option 2 — IUL
The Private Contract
A private insurance contract with no government contribution limits or income restrictions.
Three jobs — one premium dollar
Job 1 — Retirement Income
Tax-free distributions via policy loans
No income limit. No contribution cap. No RMDs. Distributions never appear on a tax return.
Job 2 — Family Protection
Death benefit active while you build
Your family is protected today — not just at retirement. Tax-free to beneficiaries.
Job 3 — Market Protection
0% floor — never a negative year
Linked to an index but you never own market assets. Down year = 0% credit, not negative. Up year = participates to cap.
Now — Enter Your Monthly Amounts
You've seen what each option does. Enter how much you'd like to put into each — or focus on just one. The calculator will show you exactly what each one builds.
🟣 Option 1 — Roth IRA
Government vehicle · IRS-capped
Enter up to your IRS maximum.
🟢 Option 2 — IUL
Private contract · No cap
Enter any amount — no IRS limit applies.
💰 What This Does to Your Paycheck Today
401(k) Reduction
—
Less going to 401(k)/mo
Take-Home Increase
—
Because 401(k) was pre-tax
Net Monthly Cost
—
True after-tax IUL cost
✦ Results — What Each Option Builds
🟣 Option 1 — Roth IRA
The Government Vehicle
Monthly
—
Projected Balance
—
Monthly Income
—
Tax-Free Value
—
Reminder — What this does
✓ Tax-free income at retirement
⚠ Income limits apply
⚠ Capped by IRS — no room above limit
✗ No market protection (no floor)
✗ No death benefit · No living benefits
🟢 Option 2 — IUL
The Private Contract
Monthly
—
Projected Balance
—
Monthly Income
—
Tax-Free Value
—
Three jobs — one premium
Job 1
Retirement Income
Tax-free via policy loans. No cap. No RMDs. No 1099.
Job 2
Family Protection
Death benefit active while you build. Protecting your family today.
Job 3
Market Protection
0% floor — never a negative year. Growth in good years. Zero loss in bad ones.
📉 What if the market drops 30% in year 15?
See how a major market crash affects each option — and why the IUL's 0% floor changes the outcome.
Which path feels right for you?
Both options are available. You can use one, the other, or both together. Select a path to see the full picture.
A Option 1 Only Roth IRA — simple, government-backed
B Option 2 Only IUL — three jobs, no cap, no limit
C Both Together Max the Roth, scale with the IUL
Option C — Both Together
What Both Options Build Side by Side
Combined Monthly Income
—
100% tax-free
Combined Projected Value
—
Total Bucket 3
Tax-Free Over 20 Years
—
Estimated distributions
Important Disclosures

Money Tree Tax & Insurance Strategies is not a registered investment advisor. Ruth Erb is a licensed insurance producer. This material is for educational purposes only and does not constitute investment, legal, or tax advice.

Projections are hypothetical and intended to evaluate structure and tax timing, not to predict investment results.

IUL Rate (6.89%): Transamerica's publicly reported 20-year historical average crediting rate, S&P 500-linked with 0% floor. Past performance does not guarantee future results.

Roth IRA Rate (7.0%): Conservative blended estimate for a diversified equity/bond portfolio. Actual returns depend on fund selection.

IUL After-Tax = Gross Value: Distributions modeled as policy loans, not taxable income under IRC §7702. Policy must remain in force.

IUL Costs Not Modeled: COI, admin fees, and mortality charges reduce actual cash value. Consult a licensed producer for a full illustrated projection.

Projections are hypothetical and illustrative only. Not financial, tax, or legal advice.

👤 Producer Guide
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