RETIREMENT & WEALTH
Retire on Your Terms.
Not the Market’s.
Build tax-advantaged wealth with Indexed Universal Life and annuity strategies — explore interest-crediting options linked to a market index, subject to contract caps, floors, and policy charges.
INDEXED UNIVERSAL LIFE
What Is an IUL?
An Indexed Universal Life policy is a permanent life insurance product that builds cash value linked to a stock market index — with a floor that protects you from ever losing money in a down year.
Permanent life insurance with growing cash value
Interest linked to a market index — not directly invested
0% floor may limit negative index credits (policy charges still apply)
Potential tax-advantaged access — no RMDs, no 59½ rule
Living benefits + death benefit in one policy
GROWTH COMPARISON OVER 30 YEARS
*Illustrative purposes only. Based on $500/mo contributions at historical index averages.
SIDE BY SIDE
IUL vs. Other Retirement Options
| Feature | IUL ⭐ | 401(k) | Roth IRA | Savings |
|---|---|---|---|---|
| Tax-Advantaged Growth | ✓ | ✗ | ✓ | ✗ |
| Market Loss Protection | ✓ | ✗ | ✗ | ✓ |
| Death Benefit | ✓ | ✗ | ✗ | ✗ |
| Access Before Age 59½ | ✓ | ✗ | Partial | ✓ |
| Contribution Limits Differ | ✓ | ✗ | ✗ | ✓ |
30-Year Growth Comparison
Retirement Income Timeline
Visualize where your income will come from throughout retirement.
Guaranteed for life when applicable contract requirements are satisfied.
Notice how 401(k)/IRA Savings may deplete over time, leaving an income gap. Lifetime income sources like IULs and Annuities provide a permanent foundation.
Social Security Optimizer
See how your claiming age impacts your monthly Social Security benefit.
Estimated Monthly Benefit
At age 67
Results are hypothetical estimates for educational purposes only and are not a quote, recommendation, carrier-approved policy illustration, or guarantee of future results. Actual results depend on an official carrier illustration, policy terms, underwriting, product availability, fees, caps, participation rates, and individual circumstances. Tax laws can change. Synersure Financial and its insurance professionals do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your individual circumstances.
Retirement Income Calculator
Estimate your monthly retirement income in today's dollars and see if you're on track.
1. Tell us about yourself
2. Additional Income & Goals
Experts typically recommend replacing 70-80% of your pre-retirement income.
When you retire at age 67, your estimated monthly expenses will be $5,333. Your estimated monthly income is:
Your Retirement Gap
You may fall short of your goal by $2,710 per month.
Results are hypothetical estimates for educational purposes only and are not a quote, recommendation, carrier-approved policy illustration, or guarantee of future results. Actual results depend on an official carrier illustration, policy terms, underwriting, product availability, fees, caps, participation rates, and individual circumstances. Tax laws can change. Synersure Financial and its insurance professionals do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your individual circumstances.
The Cost of Waiting
See how delaying your retirement savings impacts your final nest egg.
The Price of Procrastination
Waiting just 5 years to start saving will cost you $290,542 in lost growth by age 65.
Results are hypothetical estimates for educational purposes only and are not a quote, recommendation, carrier-approved policy illustration, or guarantee of future results. Actual results depend on an official carrier illustration, policy terms, underwriting, product availability, fees, caps, participation rates, and individual circumstances. Tax laws can change. Synersure Financial and its insurance professionals do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your individual circumstances.
Inflation Impact Visualizer
See how inflation erodes the purchasing power of your money over time.
Future Purchasing Power
In 20 years, $100,000 will only buy what $55,368 buys today.
*Assuming a constant inflation rate of 3% per year.
Results are hypothetical estimates for educational purposes only and are not a quote, recommendation, carrier-approved policy illustration, or guarantee of future results. Actual results depend on an official carrier illustration, policy terms, underwriting, product availability, fees, caps, participation rates, and individual circumstances. Tax laws can change. Synersure Financial and its insurance professionals do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your individual circumstances.
Tax Strategy Visualizer
Compare the net spendable value of Pre-Tax (e.g., Traditional 401k) vs After-Tax (e.g., Roth) savings.
Pre-Tax Net Value
After-Tax Net Value
*Displays the estimated net spendable value after taxes are applied. Pre-tax accounts are taxed upon withdrawal at the retirement tax rate. After-tax accounts are taxed upfront at the current tax rate.
RMD Calculator
Estimate your Required Minimum Distributions (RMDs) from tax-deferred retirement accounts.
Estimated Current Year RMD
Based on the IRS Uniform Lifetime Table for age 73.
*Projections are estimates based on standard IRS tables and assumed growth rates. Actual RMDs may vary.
Your Retirement Timeline
See How Your Retirement Strategy May Grow Over Time
Use this interactive timeline to visualize the key stages of building, protecting, and using retirement money.
Your Details
Estimated Projection at Age 65
$947,377
Years to Retire
30
Today — Financial Starting Point
Review your current savings, income, debt, protection, and retirement goals.
Accumulation Years
Build assets through consistent contributions, protection strategies, and long-term planning.
Protection Phase
Explore strategies designed to protect your money from market loss, unexpected life events, and retirement risks.
Retirement Income Phase Planning
Turn savings into a retirement income strategy designed to help support your lifestyle.
Retirement Transition
Begin executing your income strategy and adjusting to retirement life.
Legacy Phase
Plan how your money, protection, and assets may benefit your family and future generations.
Retirement projections are hypothetical and for educational purposes only. They are not guarantees of future performance, income, interest, or policy results. Actual outcomes vary based on contributions, product type, fees, caps, participation rates, market conditions, carrier rules, withdrawals, taxes, and individual circumstances.
IUL Cash Value Growth Visualizer
See how your cash value could grow over time with the protection of a floor and the upside potential up to a cap.
Total Contributions
$180,000
Estimated Cash Value
$606,438
Tax Savings Estimator
Compare the growth of a tax-advantaged IUL policy against a standard taxable investment account.
Estimated Tax Savings
Tax-Advantaged IUL Balance
*Assumes a 7% gross return for the taxable account and a 6% net return for the IUL (accounting for average insurance costs). This is a hypothetical illustration and not a guarantee of future performance.
IUL vs. 401(k) Comparison
Understand the key differences between Indexed Universal Life (IUL) and a traditional 401(k) to help you make informed decisions about your retirement strategy.
| Feature | Indexed Universal Life (IUL) | Traditional 401(k) |
|---|---|---|
| Tax-Advantaged Access | Potential via policy loans (when properly structured) | Withdrawals generally taxed as ordinary income |
| Downside Protection | 0% floor may limit negative index credits (policy charges still apply) | Exposed to market downturns |
| Contribution Limits | Flexible (Based on IRS 7702 limits) | Strict IRS annual limits |
| Early Withdrawal Penalties | No age 59.5 restriction | 10% penalty before age 59.5 |
| Employer Match | No | Yes (if offered by employer) |
| Required Minimum Distributions (RMDs) | No RMDs | Yes, starting at age 73 |
| Death Benefit | Tax-free to beneficiaries | Taxable to beneficiaries |
* This comparison is for educational purposes only. IUL policies include costs of insurance and other fees not present in 401(k)s. A 401(k) may offer an employer match which is "free money." It's often recommended to take advantage of an employer match before allocating funds to an IUL. Speak with a licensed professional to determine which strategy aligns with your specific financial goals.
Retirement Income Planner
Estimate how long your retirement savings might last based on your desired income.
Estimated Longevity
Your savings may deplete faster than a typical 30-year retirement. Consider adjusting your withdrawals or savings.
This report is for educational purposes only. It is not a quote, financial plan, tax advice, legal advice, investment advice, or guarantee of coverage. Actual results, rates, eligibility, underwriting, policy features, and product availability vary by carrier, state, age, health, income, and individual qualification. Speak with a licensed professional before making a final decision.
Retirement Savings Calculator
Visualize your retirement nest egg based on your current savings and contributions.
Estimated Balance at Age 65
$1,020,842
ANNUITIES
Potential for Guaranteed Lifetime Income
An annuity is a long-term financial contract between you and an insurance company designed to help protect you from the risk of outliving your income. It acts as a personal pension, providing a steady income stream, subject to the terms of the issuing insurance contract and the claims-paying ability of the issuing insurer.
Why Consider an Annuity?
Principal Protection
Your initial investment is protected from market downturns. You won't lose your hard-earned money when the stock market drops.
Tax-Deferred Growth
Your money grows faster because you don't pay taxes on the interest earned until you withdraw it.
Lifetime Income Stream
Convert your savings into a guaranteed monthly income stream when applicable contract requirements are satisfied, subject to the claims-paying ability of the issuing insurer.
Legacy Planning
Many annuities offer a death benefit, ensuring that any remaining funds are passed directly to your beneficiaries without going through probate.
The Retirement Dilemma
Traditional retirement planning often relies on the "4% Rule" — withdrawing 4% of your portfolio annually and hoping it lasts. But with market volatility, inflation, and longer life expectancies, hoping isn't a strategy.
Annuities may help address this by shifting longevity risk to the insurance company. Certain annuity contracts or optional riders may provide guaranteed lifetime income when applicable contract requirements are satisfied, subject to the claims-paying ability of the issuing insurer.
Types of Annuities We Offer
Fixed Annuity
Guaranteed fixed interest rate with principal protection, subject to contract terms and the claims-paying ability of the issuing insurer. Ideal for conservative savers seeking predictable growth.
Fixed Index Annuity
Interest linked to a market index with a floor that may limit negative index credits. Growth potential subject to caps, participation rates, and contract terms.
Income Annuity
Guaranteed monthly income stream for life when applicable contract requirements are satisfied, subject to the claims-paying ability of the issuing insurer.
FREE CHECKLIST
Retirement Planning Checklist
Are you truly on track for retirement? Use our step-by-step checklist to review your savings, tax strategy, income plan, and protection gaps — so you can retire with confidence, not guesswork.
Your Retirement Shouldn’t Be Left to Chance.
Book a free strategy session with Alex Ortiz and get a personalized retirement plan — no obligation.
Book My Strategy SessionIndexed Universal Life insurance and annuity products are subject to policy terms, fees, caps, participation rates, surrender charges, and carrier rules. Guarantees are backed by the claims-paying ability of the issuing insurance company.