Build Your Personal Pension
On Top of Everything You've Saved
You've maxed out your 401(k), SEP, and IRA. Your business generates strong income. But how do you convert that wealth into tax-free, guaranteed lifetime retirement income?PrimusMax Income℠ uses an IUL + FIA dual-engine strategy to supplement your existing plans — with no IRS limits, no RMDs, and no market losses.
Free • 2-minute qualification assessment • No obligation
Business Owners Hit a Retirement Wall
You've built a profitable business and maxed out every qualified plan available. But the IRS limits how much you can save tax-advantaged — and the rest is exposed to taxes, market risk, and RMDs.
Your 401(k) & SEP Are Maxed Out
As a highly compensated business owner, you've hit the IRS contribution ceiling. You have surplus business income but nowhere tax-efficient to put it — leaving thousands in profit exposed to taxes every year.
RMDs Create a Tax Bomb at 73
Your traditional retirement accounts force taxable withdrawals at 73 — whether you need the money or not. RMDs stack on top of business income, pushing you into higher brackets and triggering IRMAA Medicare surcharges.
No Pension, No Guaranteed Paycheck
You built the business, but it doesn't pay you in retirement. Social Security covers the basics — it doesn't replace the income you're used to. Without a personal pension, your lifestyle depends entirely on market performance.
Market Crashes Can Wipe Out Years of Work
A 30-40% market correction the year you retire can permanently lower your lifetime income. Sequence-of-returns risk is the #1 threat to business owners transitioning wealth into retirement.
PrimusMax Income℠ — Supplement Your Retirement Plans
A dual-engine strategy that layers supplemental, tax-efficient, guaranteed lifetime retirement income on top of your 401(k), SEP, IRA, and Social Security. Fund it with business dollars — no IRS contribution limits, no RMDs, no market losses, no tax traps.
Supplement Your Existing Plans
PrimusMax Income℠ sits on top of your 401(k), IRA, SEP, and Social Security — adding a supplemental layer of tax-efficient, guaranteed lifetime income that fills the gap your qualified plans can't cover.
IUL + FIA Dual-Engine Strategy
Indexed Universal Life (IUL) builds tax-free cash value with market-linked growth and a 0% floor. A Fixed Index Annuity (FIA) creates a guaranteed lifetime income stream — together they form a bulletproof retirement paycheck.
Tax-Free Income, No IRS Limits
Unlike qualified plans, there are no contribution limits. Fund it with business dollars, access cash value through tax-free policy loans — no RMDs, no income tax, no IRMAA impact.
Business Succession & Legacy
Use IUL to fund buy-sell agreements, key-person protection, and Executive Bonus Plans (Section 162). Transfer wealth tax-efficiently to heirs, bypassing probate — all while building your personal pension.
Supplement Your Retirement Plans with Tax-Free Income
Take the free Retirement Quiz to see if you qualify for the PrimusMax Income℠ dual-engine strategy — built for highly compensated small business owners who want guaranteed lifetime income on top of their existing plans.
Take Retirement QuizHow PrimusMax Income℠ Works
Three simple steps to a guaranteed lifetime income strategy.
Take the Quiz
Complete the free Retirement Quiz — a 5-minute assessment of your business income, age, and retirement goals.
Get Your Strategy
Receive a personalized report showing whether IUL, FIA, or both are right for supplementing your existing retirement plans.
Build Your Pension
Work with a licensed professional to implement your PrimusMax Income℠ strategy — funded with business dollars, paying you tax-free for life.
Turn Your Business Success Into Lifetime Retirement Income
Join highly compensated small business owners who've supplemented their 401(k) and IRA with a tax-free, guaranteed personal pension. Take the free quiz now and discover your PrimusMax Income℠ strategy.
Take Retirement QuizStay Ahead of Your Retirement
Join thousands of highly compensated small business owners receiving our weekly updates on tax-efficient strategies, IUL and annuity education, and supplemental retirement income planning tips.
These tools are for educational purposes only and do not constitute financial, tax, or legal advice. Please consult with a licensed financial professional before making any investment decisions.