Stop Deferring Your Taxes — Start Building a Tax-Free Retirement Plan
(A Guide for Insurance Agents to Use with Every Client)
The question that opens every conversation:
“Would you rather pay taxes on the seed — or on the entire harvest?”
That one question changes everything. And it’s the question your retirement clients have never been asked.
The trap hiding inside “smart” retirement plans
Most people planning for their retirement are doing exactly what their CPA told them to do: max out the 401(k), fund the IRA, enjoy the tax break today. And on the surface, that advice makes perfect sense.
But here’s what nobody’s walking them through — the math on the back end.
Let’s run the numbers your clients need to see:
Say your client puts $4,000 a year into a traditional IRA for 30 years. At a 28% tax bracket, they save $1,120 a year in taxes — a total of $33,600 over three decades. Feels good.
Now fast-forward. The IRA has grown to $1,000,000. They retire and withdraw 10% a year — $100,000 annually. Add Social Security. Add any pension. Now ask: will they be in a lower tax bracket or a higher one?
Almost certainly higher.
But let’s be generous. Let’s say the same 28%. That’s $28,000 in taxes — in year one alone.
They saved $33,600 over 30 years. They’ll burn through that in just over one year of retirement withdrawals. Over a 20-year retirement, they’ll hand the IRS over $560,000.
That’s not a retirement plan. That’s a layaway plan for the government.
The shift your clients are waiting for
When you help clients see this comparison — side by side, dollar by dollar — the conversation changes instantly. You stop being a salesperson and become a strategist. The advisor who showed them something their CPA, their HR department, and their bank never did.
So what’s the alternative? A tax-free retirement plan.
A Roth IRA gets close. Tax-free growth, tax-free withdrawals in retirement. But income limits lock out many of your best clients. Contribution caps limit what they can actually build. And early withdrawal penalties make the money less accessible when life happens.
So the real question becomes: what if your clients could have all the benefits of planning for a tax-free retirement income — without the restrictions of a Roth?
That’s exactly what the right life insurance strategy delivers. Properly structured, it gives your clients:
- Retirement income they keep — qualified for tax-free income without IRS income limits
- Tax-advantaged growth — money that compounds without annual tax drag
- Liquidity and flexibility — access to cash value without waiting until 59½
- Living benefits — protections a 401(k) can never offer
Why this conversation makes you indispensable
The clients who most need help with planning for their retirement aren’t asking for it — because they don’t know a better option exists. Your job is to bring it to them.
When you walk someone through this math, you earn the kind of trust that generates referrals for years. That’s the meeting they call their spouse into. That’s the relationship that lasts decades.
Your next step
Use the calculator below with your next client. Walk them through their own numbers. Then ask:
“Would you like to explore a tax-free retirement plan that gives you more income to keep — without the restrictions of a Roth?”
They’ll say yes. Every time.
Now you know the problem. Here’s where you find the money to fix it.
The calculator above shows your clients exactly what tax-deferred retirement is costing them. But the next question they’ll ask is the one that opens the real conversation:
“Where do I get the money to do this?”
That’s where most agents get stuck. And that’s exactly what the Found Money Management™ program is built to solve.
The Found Money Management™ Program gives you a complete 90-day training, coaching, and sales system to help middle-income families find hidden cash flow they didn’t know they had — and redirect it toward a tax-free retirement plan that protects their future.
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“If you know how to spend less than you get, you have the philosopher’s stone.” Benjamin Franklin
The more you learn how to help your clients have more income to spend from their retirement plan, then the more money you will earn. It is one of the reasons why so many of the agents and advisors we work with earn $250,000, $500.000, or more each year!
“Hey Jeremy, Hope you are having a great weekend. Just wanted to give you an update on what’s going on. I closed 3 whole life plans yesterday for a total of $3,045 Annual Premium. And still have a 78k rollover that I’m going to help her with. This is the second month that I bonus. Also I was number 13 on the company zapp leader board last month.”Corey Greene,FIC, FICF, LUTCF, SC (17 year in financial services)
“I think anyone who has experienced Insurance Pro Shop in any capacity knows the first class training that Lew and Jeremy Nason offer agents, both new and experienced. But the one thing that makes the Nason’s special is how much they care about not only us, as THEIR clients… But OUR clients as well. The Nasons will not only help you increase your income. But if you apply what they teach you, you will truly become a trusted advisor of your community. You will also learn to sell the RIGHT way. The Nasons are wonderful people and I am very fortunate to have met them!” Oliver Chamberlain, PA (12 years in the business)
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Middle American Family’s Guide To – Living Debt-Free And Truly Wealthy!
By Lew Nason, LUTCF, CTA, RFC® Retired, And Jeremy Nason RFC®
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Important Question… Are you in this insurance business to make sales? Or are you interested in helping families? Who do you think insurance prospects want to see? Do they want to meet with an insurance salesperson – or a Trusted Advisor who does their best to help them? When will you decide to make a real difference in people’s lives? The more personal insurance agent training, coaching, and sales support you get to learn how to successfullyhelp familiesfind the money… for a secure financial future. Then the more you will learn how to help yourself and your family! Nothing will change until you decide to take action to make it change!
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Are You Asking Your Clients Enough Insurance Sales Questions? Only $39.95
By Coach Jeremy Nason, RFC®
One of the recurring topics we write about each week… and talk about daily is asking your insurance prospects the right probing questions. And then ask your insurance prospects enough sales questions! That is because asking your prospects the right probing questions is one of, if not the biggest key to your success in selling insurance. Accordingly, agents have asked us for a complete list of probing sales questions to use with their insurance prospects! As a result, we have compiled a list of all of our favorite insurance sales questions. And we put them all into our limited edition e-book… Are You Asking Enough Insurance Sales Questions? In this 24-page guide, you will find our goldmine of probing questions you should ask your prospects to set appointments and close insurance sales. More Details! Immediate Download… Order Now!
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“The key to a life insurance sale is an interview, and the key to an interview is a disturbing question.”
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Revealed… How to sell indexed universal life insurance (IUL)!
Satisfy The Client’s Primary Needs For You To Sell More Annuities And Life Insurance!
4 Secrets To Successfully Closing Whole Life Insurance Sales!
