What Is FlexVault?
FlexVault is Infinite Wealth Builder's proprietary four-component wealth system targeting 12%+ returns with tax-free growth, access, and transfer.
FlexVault is a proprietary four-component wealth-building system built on Section 7702 of the tax code. Unlike traditional IUL approaches that rely solely on policy crediting (6-8%), FlexVault integrates: (1) a well-built IUL foundation, (2) strategic cash value guidance, (3) advanced tax planning, and (4) portfolio integration leverage—targeting 12%+ combined returns with tax-free income as early as year 3.
At a Glance
| Target Returns | 12%+ combined (4 components) |
| Tax Treatment | Tax-free growth, access, and transfer |
| Breakeven | Year 3 (vs. Year 10-15 traditional IUL) |
| Best For | High earners ($300K+), 15+ year horizon |
| Risk Profile | 0% floor protection + strategic leverage |
Traditional retirement vehicles have fundamental limitations that FlexVault addresses
The Problem FlexVault Solves
401K Trap
Tax-deferred means taxes are postponed, not eliminated. At withdrawal, you'll face taxes at potentially higher future rates plus mandatory RMDs.
Income Limits
Roth IRAs have income limits. If you earn over $161K (single) or $240K (married), you can't contribute directly. And contribution limits are just $7,000/year.
Market Exposure
Traditional brokerage accounts expose you to full market losses AND tax you annually on dividends, capital gains, and again at withdrawal.
How FlexVault achieves 12%+ returns through systematic integration
The Four-Component FlexVault System
Well-Built IUL Foundation (6-8%)
Modern Indexed Universal Life designed for cash value optimization. Index-linked returns with 0% floor protection. Tax-free access through policy loans. Partner carriers with 100+ year histories.
Strategic Cash Value Guidance (+1-3%)
Active management that separates FlexVault from "set it and forget it" approaches. Loan-to-value ratio optimization, carrier negotiation, annual strategy reviews, premium optimization.
Advanced Tax Planning (+0-3%)
Strategic tax optimization that reduces costs and maximizes efficiency. 30-40% reduction in equity access costs. Income timing coordination. Medicare premium management.
Portfolio Integration (+1-4%)
The leverage mechanism that creates dual growth—money growing inside AND outside the policy. Cash value grows at 6-8%. Borrowed funds grow in external assets. Both pools compound simultaneously.
Combined Target: 12%+ Average Returns
The five phases of the FlexVault wealth-building journey
How FlexVault Works
Phase 1: Investment
Fund your FlexVault policy with premiums designed for rapid cash value growth. Leverage structure established. Death benefit protection from day one.
Phase 2: Breakeven
Four-component returns offset costs—dramatically faster than traditional IUL (Year 10-15). Policy becomes self-sustaining. Dual growth mechanism fully activated.
Phase 3: Building
Cash value accelerates through the four-component system. 12%+ target returns compounding. Income available but growth prioritized.
Phase 4: Income Generation
Tax-free income through policy loans begins. Cash value AND income continue growing. No RMDs—you control timing and amount.
Phase 5: Maximum Income
Premium payments can stop. Maximum income achieved. Substantial death benefit maintained. Multi-generational wealth transfer enabled.
FlexVault is built on 40+ years of established tax law
The Section 7702 Foundation
FlexVault leverages Section 7702 of the Internal Revenue Code, which has been federal law since 1984. This isn't a loophole—it's explicitly written into the tax code and has survived multiple administrations and tax reforms.
Tax-Free Growth
Cash value grows without annual taxation. No 1099 forms, no tax drag. Compound growth accelerates without IRS interference.
Tax-Free Access
Policy loans provide access to your cash value without triggering income tax. It's a loan, not a withdrawal—your collateral keeps growing.
Tax-Free Transfer
Death benefits pass to beneficiaries income tax-free under IRC Section 101(a). Your legacy is protected from the IRS.
FlexVault works best for high earners with specific characteristics
Who Is FlexVault For?
Airline Pilots
$250K-$400K W-2 income. FAA medical risk means career uncertainty. High income = high tax bracket to escape.
Physicians
$400K-$800K+ income. Peak earning years = peak tax brackets. Burnout risk means uncertain career length.
Business Owners
$5M-$50M businesses. Capital gains exposure from eventual sale. Need to convert lump sum to perpetual income.
Real Estate Investors
$2M-$20M+ portfolio. Trapped on the 1031 exchange treadmill. Depreciation recapture looming.
Near-Retirees
Age 55-65, behind on savings. Need to maximize remaining years. Want guaranteed income they can't outlive.
FIRE Movement
High-income W-2 earners seeking early retirement. Need unlimited contributions and penalty-free early access.
Frequently Asked Questions
Dive deeper into the FlexVault system
Continue Learning About FlexVault
See How FlexVault Could Work For You
Every situation is different. In a complimentary strategy session, we'll run the numbers for YOUR income, tax bracket, and goals.