PrimusMax Income℠

The Application:

We structure the IUL engine to capture annual bonus payouts. Over 10 years, this builds a robust tax-free bucket. Simultaneously, an old 401(k) from a previous employer is rolled into the FIA engine, setting up a guaranteed $80k/year floor starting at age 65.

The Application:

Uses corporate cash flow to fund a max-funded IUL under an executive bonus or split-dollar arrangement. This not only shields vast amounts of capital from immediate taxation but creates a tax-free private pension for the owner at exit, completely independent of the business sale price.

The Application:

Halts further pre-tax contributions. Reallocates current cash flow into the IUL engine to build tax-free reserves. Uses a partial rollover of the $2M into an FIA to lock in a high guaranteed payout rate, mitigating the sequence-of-returns risk that threatens a looming retirement.

The Application:

Deploys a portion of the exit windfall into a short-duration FIA for absolute principal protection and steady index growth, while overfunding an IUL structure to establish a massive tax-free death benefit for legacy planning, alongside accessible tax-free cash value for future ventures.

The Application:

Executes a 1031 exchange into a passive syndication, while funneling liquid capital into an immediate-income FIA. This provides the stable "mailbox money" they are accustomed to without the hassle of tenants or market volatility, locking in a predictable retirement cash flow.

The Challenge:

Facing RMDs that will push them into the 37% bracket, the partner's $1.5M in qualified plans represents a ticking tax time bomb. Traditional planning offers no escape from the mandatory distributions.

The PrimusMax Solution:

The FIA engine converts a portion of pre-tax funds into guaranteed lifetime income, strategically filling lower tax brackets. The IUL engine builds a $500K+ tax-free war chest accessible before age 59.5 without early withdrawal penalties, providing flexibility and tax diversification.

The Challenge:

Needs a key person retention tool for associate dentists while simultaneously building personal retirement wealth outside the practice. Corporate cash flow is strong but heavily taxed.

The PrimusMax Solution:

Implements a corporate-owned IUL as a key person retention tool. Premium payments are tax-deductible to the business under IRC Section 162 executive bonus arrangements. The policy doubles as the owner's tax-free retirement vehicle - corporate dollars fund personal wealth without the drag of double taxation.

The Challenge:

One C-suite executive, one consultant. Their $3M across 401(k)s and taxable accounts generates heavy tax drag. Without intervention, their retirement income will trigger IRMAA Medicare surcharges and taxation of Social Security.

The PrimusMax Solution:

The FIA creates a guaranteed $120K/year floor from pre-tax funds, strategically timed to fill lower brackets. The IUL provides $100K+/year of tax-free income that keeps their modified AGI below IRMAA thresholds, avoiding Medicare surcharges and preserving Social Security tax-advantaged status.