What PrimusMax™ Does for Solo Business Owners
PrimusMax is a nationwide life insurance agency specializing in retirement income planning for solo business owners. We help you build tax-efficient retirement wealth and lifetime income with IUL strategies.
Born from the Pursuit of True Independence
PrimusMaxLife began when we noticed a jarring disconnect in the marketplace. While brilliant entrepreneurs were scaling their ventures to new heights, they remained tethered to fragile, conventional financial vehicles that failed to reflect their ambition.
We realized that self-made earners were being underserved by rigid systems designed for traditional employees. There was no dedicated pathway for those who wanted to treat their personal capital with the same agility they applied to their businesses.
We set out to bridge that gap by focusing exclusively on the versatility of Indexed Universal Life strategies. Our platform emerged as the sanctuary for those who demand both liquidity and permanent protection for their life's work. Start with the PrimusMax Quiz to get your personalized strategy report.
Our Mission
"Our mission is to empower your lifestyle by turning today's enterprise earnings into tomorrow's bulletproof personal pension."
- Unlock tax-advantaged growth to preserve more of your hard-earned capital.
- Create a private, reliable income stream that bypasses market volatility.
- Ensure your legacy is protected with an ironclad safety net for your family.
- Gain absolute control over your liquidity without traditional banking hurdles.
- Structure a sustainable lifestyle that lasts long after you close your laptop.
Meet Des Primus
Des Primus founded this platform after watching too many talented creators compromise their long-term vision for short-term tax convenience.
Des Primus
Founder & Principal, PrimusMax™
Retirement Income Portal for Solo Business Owners Earning $100K+
20+ Years Experience
Des spent years consulting with high-achievers who felt stuck in a loop of reinvesting everything back into their businesses. He recognized the anxiety of having all your eggs in one professional basket.
His own turning point came when he mastered the nuances of IUL structures and saw how they functioned like a private financial fortress. He became obsessed with sharing this blueprint with others who valued freedom over the status quo.
Today, he is committed to demystifying complex financial mechanics. His goal is to provide the clarity you need to stop trading your time for money and start building a life that lasts. He is also the host of the PrimusMax™ Podcast, delivering weekly strategies on IUL, tax planning, and estate planning for solopreneurs. Available at primusmax.life/Podcast.
"Through PrimusMaxLife℠, our expert network of licensed insurance professionals works with solopreneurs to build structured pension income targets from day one, with annual reviews and ongoing policy oversight to ensure every client stays on track toward their retirement income goal."
Retirement Lifestyle by Design℠
Retirement isn't just a financial milestone. It's a holistically planned season of life where income, health, relationships, and purpose align. That's the vision behind our consumer brand.
Our Mission
Retirement Lifestyle by Design℠ empowers highly compensated small business owners to envision, design, and fund their ideal retirement lifestyle — not as a financial milestone, but as a holistically planned season of life where income, health, relationships, and purpose align.
The Five Pillars
The foundational principles that guide every strategy we recommend.
Tax-Free Wealth Accumulation
"Build retirement wealth the IRS can't touch."
IUL delivers tax-deferred cash value growth linked to the S&P 500 with a 0% floor — you capture market gains and never lose principal in a down year. No IRS contribution limits, no RMDs, and no tax drag on accumulation means your retirement wealth compounds faster than any qualified plan allows.
Tax-Efficient Lifetime Income
"Income you can't outlive, without the tax bill."
Retirement income via tax-free IUL policy loans (IRC §7702) creates zero taxable income, zero Social Security taxation, and zero IRMAA Medicare surcharges. You control when and how much you take — no mandatory distributions, ever.
Business-Funded Retirement Wealth
"Your business funds your personal pension."
IUL premiums can be structured as tax-deductible business expenses under IRC Section 162 executive bonus arrangements. Your business dollars build personal, tax-advantaged retirement wealth — with no qualified-plan limits and no employee coverage requirements.
Principal Protection & Market Resilience
"Growth without the sleepless nights."
The IUL 0% floor protects your cash value from market losses while letting you participate in market gains. Sequence-of-returns risk — the threat that a market crash early in retirement derails your plan — is eliminated, so your retirement wealth stays intact regardless of economic conditions.
Exclusivity by Qualification
"Not for everyone. Built for highly compensated small business owners."
PrimusMax Income℠ is positioned as exclusive — available only to qualified highly compensated small business owners earning $100K+. This is not a mass-market product. It is a purpose-built IUL strategy for building retirement wealth and tax-efficient lifetime income.
The Solopreneur's Retirement Gap
Most self-employed professionals reach a high income bracket only to find their wealth is dangerously concentrated in their business operations. Without a deliberate strategy, one market dip or personal shift can jeopardize the lifestyle you have worked so hard to curate.
Contribution Limits Kill Your Potential
Highly compensated small business owners max out 401(k)s and IRAs quickly — but those accounts cap your tax-advantaged savings at $23,000–$30,500/year. When you're earning $200K+, that's a fraction of what you should be saving.
The RMD Trap at 73
Traditional retirement accounts force Required Minimum Distributions at age 73 — fully taxable, whether you need the money or not. A $2M IRA generates $75K+/year in mandatory taxable income, pushing you into higher brackets and triggering IRMAA Medicare surcharges.
Market Volatility Threatens Retirement Timing
A 30–40% market crash the year you retire can devastate your plan. Sequence-of-returns risk forces highly compensated small business owners to either delay retirement or dramatically cut spending — a risk that compounds with every year of declining savings.
The Hidden Tax Bomb in Retirement
When Social Security, 401(k) RMDs, and investment income stack up in retirement, up to 85% of your Social Security becomes taxable. IRMAA surcharges add $3,000–$8,000+/year to Medicare premiums. These "hidden" retirement taxes cost highly compensated small business owners tens of thousands per year.
The PrimusMax Income℠ IUL Strategy
We leverage the unique architectural advantages of Indexed Universal Life to provide a structural buffer against economic unpredictability. This approach allows you to systematically extract capital from your business and lock it into a personal, tax-efficient pension environment.
Tax-Free Retirement Income
Indexed Universal Life (IUL) is the tax-free accumulation engine of the PrimusMax Income℠ strategy. No IRS contribution limits. Tax-deferred growth linked to the S&P 500 with a 0% floor — you participate in market gains and never lose principal in a down year. Retirement income via tax-free policy loans (IRC §7702) creates zero taxable income, zero Social Security taxation, and zero IRMAA impact. No RMDs. Ever.
Business Funding & Liquidity
Your IUL cash value is not locked away — it is a flexible funding source for your business. Access capital for growth, bridge financing, or opportunity capture without banks or qualifying. Premium payments can be structured as tax-deductible business expenses under IRC Section 162 executive bonus arrangements, letting your business fund your personal retirement wealth.
Estate Planning & Legacy Protection
IUL provides a tax-free death benefit that bypasses probate and transfers wealth efficiently to your heirs. Fund buy-sell agreements, key-person protection, and succession planning. The PrimusMax Income℠ strategy helps solo business owners protect their legacy and ensure the business they built continues to provide for the people they love — for generations.
PrimusMax Income℠ Sample Use Cases
Explore how these strategic applications function as the bedrock for your enduring financial freedom.
Deep Dive: The Solo Consultant
A 52-year-old independent consultant earning $150K maxes out her SEP-IRA — but faces a massive tax bomb at 73 when RMDs, Social Security, and investment income stack up. The PrimusMax Income℠ strategy uses IUL for tax-free retirement income, business funding liquidity, and estate planning — eliminating RMD pressure, IRMAA surcharges, and Social Security taxation.
Deep Dive: The Solo Agency Owner
A 48-year-old solo agency owner wants to retire in 10 years but has no pension plan. An IUL funded through an Executive Bonus Plan (Section 162) lets the business build personal, tax-advantaged wealth for the owner — with no qualified-plan limits. The IUL cash value also serves as a business funding source for growth and opportunity capture.
Deep Dive: The Solo Practitioner
A 50-year-old solo practitioner earns $200K but has no employer pension. High student debt and late career start mean traditional 401(k) accumulation falls short. The PrimusMax Income℠ strategy uses an IUL to build tax-free cash value outside qualified limits, fund business operations, and provide a tax-free death benefit for estate planning — replacing the pension she never had and protecting against market crashes near retirement.
What PrimusMaxLife℠ Offers
The 3-Step Journey
Step 1: Take the Quiz — a personalized assessment that identifies whether IUL is right for your age, income, and goals. Step 2: Get your strategy report with lifetime retirement income, business funding, and estate planning details emailed instantly. Step 3: Schedule a meeting with a licensed advisor to design your personalized IUL strategy.
Knowledge Hub
Comprehensive guides on IUL, estate planning, business funding, Social Security optimization, and tax strategy — written for solopreneurs, not generic audiences.
PrimusMax™ Podcast
Weekly retirement planning podcast for solo business owners. IUL deep dives, business funding strategies, estate planning, tax planning, and expert interviews — available free at primusmax.life.
Press & Media
Media-ready resources, company updates, founder bio, brand assets, and podcast episodes for journalists, partners, and podcast hosts covering IUL and solopreneur retirement planning.
Have Questions? We Have Answers.
From IUL mechanics to tax-free income to PrimusMax Income℠ qualification — explore the most common questions solopreneurs ask.
Retirement Planning
7 frequently asked questions
PrimusMaxLife℠ and PrimusMax™ are owned by Primus Max LLC (PrimusMax™ is the brand name of Primus Max LLC). PrimusMaxLife℠ and PrimusMax™ are not registered investment advisors, broker-dealers, or fiduciaries. All content is for educational purposes only and does not constitute financial, tax, or legal advice. Insurance products are sold by licensed insurance agents only. Product availability and features vary by state. Consult a licensed financial, tax, and legal professional before making any financial decisions.
Ready to Get Started?
Supplement Your Retirement With Tax-Free Income
Stop letting IRS contribution limits and RMDs dictate your retirement. PrimusMax Income℠ delivers tax-free retirement income, business funding, and estate planning through IUL — on top of your 401(k), SEP, and IRA — funded with business dollars. Start with Step 1 of your 3-step journey: take the free PrimusMax Quiz now!
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No cost · No obligation · Licensed insurance agents only · info@primusmax.com