The FlexVault Strategy
Tax-Free Wealth Building Wall Street Won't Tell You About
For over 40 years, Americans have been told: 'Max out your 401K.' There's a better way—and it's been hiding in plain sight since 1984. Tax-FREE growth. Tax-FREE access. Tax-FREE transfer.
FlexVault is a four-component wealth-building system targeting 12%+ combined returns through: (1) a well-built IUL foundation with 0% floor protection (6-8% base), (2) strategic cash value guidance (+1-3%), (3) advanced tax planning integration (+0-3%), and (4) optional portfolio integration (+1-4%). Unlike 401Ks, you access funds tax-free at any age without penalties.
At a Glance
| What | IUL strategy optimized for cash accumulation with market protection |
| Who It's For | High earners wanting market participation without downside risk |
| Key Benefit | 0% floor protection, tax-free access, no contribution limits |
| Downside | Capped upside returns, requires long-term commitment |
| Compare To | 401K, Roth IRA, Indexed Annuities, Direct Market Investment |
Our Proprietary Implementation of Section 7702
What Is the FlexVault Strategy?
Well-Built IUL Foundation
A precisely structured Indexed Universal Life policy optimized for maximum cash accumulation with 0% floor protection. This foundation targets 6-8% annual returns.
Strategic Cash Value Guidance
Active management of your policy's cash value to maximize credited interest through optimal index allocation and timing. Adds 1-3% to base returns.
Advanced Tax Planning
Coordination with Roth conversions, capital gains management, and income timing to minimize your lifetime tax burden. Adds 0-3% in tax-equivalent value.
Portfolio Integration
Optional overlay that synchronizes your FlexVault with outside investments for enhanced overall performance. Can add 1-4% when conditions are favorable.
Four Phases to Tax-Free Wealth
How FlexVault Works
Fund
You contribute after-tax dollars to a properly structured life insurance policy. Yes, you've already paid taxes—at today's known, historically LOW rates.
Grow
Your cash value grows tied to market indexes like the S&P 500, with no downside risk, no annual taxes, and compound growth without tax drag.
Access
When you need income in retirement, take policy loans against your cash value. Loans are NOT taxable income. No RMDs. You control when and how much.
Transfer
Outstanding loans paid from death benefit. Remaining benefit passes to heirs income tax-free. No probate. Multi-generational wealth transfer.
Follow the Money
Why Wall Street Won't Tell You This
Your 401K generates fees for Wall Street—management fees, fund expense ratios, advisory fees. On a $1 million account, that's $20,000-$30,000 EVERY YEAR going to Wall Street instead of your retirement.
FlexVault? Different compensation model entirely. No ongoing AUM fees eating into your returns year after year.
No wonder they don't talk about it.
Your 401K Fees (Typical)
Ideal Candidates for Tax-Free Wealth Building
Who Is FlexVault Right For?
Airline Pilots
- •FAA medical certification risk means career uncertainty
- •High income = high tax bracket to escape
- •Need income protection if you lose your medical
Physicians & Medical Professionals
- •Peak earning years = peak tax brackets
- •Burnout risk means uncertain career length
- •Practice exit planning needs
Business Owners Planning Exit
- •Capital gains exposure from eventual sale
- •Need to convert lump sum to perpetual income
- •Protect from future tax increases
Real Estate Investors
- •Trapped on the 1031 exchange treadmill
- •Depreciation recapture looming
- •Need diversification without triggering taxes
Near-Retirees Behind on Savings
- •Need to maximize remaining years
- •Want guaranteed income they can't outlive
- •Concerned about market volatility
High Earners Who Want...
- •Protection from market volatility
- •Plan to pass wealth to next generation
- •Tax-free predictable retirement income
FlexVault vs. The Alternatives
| Feature | FlexVault | 401K | Roth IRA | Brokerage |
|---|---|---|---|---|
| Tax-Free Growth | ✅ | ❌ (deferred) | ✅ | ❌ |
| Tax-Free Access | ✅ | ❌ | ✅ | ❌ |
| No Contribution Limits | ✅ | ❌ | ❌ | ✅ |
| No RMDs | ✅ | ❌ | ✅* | ✅ |
| Downside Protection | ✅ | ❌ | ❌ | ❌ |
| Death Benefit | ✅ | ❌ | ❌ | ❌ |
| Creditor Protection | ✅** | ❌ | Partial | ❌ |
*Roth IRAs have no RMDs for original owner
**Varies by state
Built on Explicit Federal Tax Law Since 1984
Section 7702 Compliance
Key Requirements
- ✓Meet CVAT or GPT test
- ✓Maintain minimum death benefit
- ✓Avoid MEC status
What It Enables
- ✓Tax-free cash value accumulation
- ✓Tax-free policy loans
- ✓Tax-free death benefit
Why It Matters
This isn't a gray area. It's explicitly written into federal tax law and has survived multiple administrations and tax code revisions.
Take FlexVault to the Next Level with LIFT
Ready for More?
FlexVault provides a strong foundation with 6-8% returns and complete downside protection. But for clients who want to accelerate their wealth building, we offer an advanced strategy: LIFT.
LIFT (Leveraged Insurance Financial Transformation) uses internal policy leverage to target 12%+ returns—nearly double the base FlexVault performance.
LIFT vs. Standard FlexVault
LIFT is not for everyone. See if you qualify →
The Bottom Line
Your 401K isn't evil. The employer match is still free money.
But if "max out the 401K" is your ONLY strategy, you're potentially setting yourself up for a tax reckoning when tax rates inevitably rise.
The FlexVault Strategy Provides:
Tax-FREE alternative
Protected growth
Income you control
Tax-free transfer
Wall Street won't tell you about it because they can't charge you ongoing fees.
Now you know.
Explore Our Complete FlexVault Resource Library
Deep Dive: FlexVault Knowledge Center
📚 FlexVault Basics
💰 Income & Tax Planning
Common Questions About FlexVault
Your Next Step
Ready to see if FlexVault is right for your situation? In a complimentary 30-minute FlexVault Strategy Session, we'll review your current tax situation, calculate your potential 401K tax exposure, determine if FlexVault makes sense for YOU, and map out next steps (only if we're a fit).