Tax-Free Income; How do I do this?

We start by comparing your Traditional Retirement Plan to an Index Universal Life (IUL) plan. Let the numbers speak for themselves!

Watch Now: learn why an IUL may be right for you!

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Compare the Four Most Important Aspects of Your Retirement Plan

Market Volatility

Just how exposed to the market is your retirement plan? Discover how you can protect your retirement earnings from negative returns. IUL's prevent market loss and never credit less than zero. Compare the effects of market losses on your current retirement plan to an IUL.

Income Longevity

How long will your income last? A recent study showed that the average 401(k) will run out of money only 7-8 years into retirement. An IUL has the potential to provide income until you are 120 years old! Take a look at the numbers and compare how long your current retirement plan will last in distribution vs. an IUL.

Tax Deferred vs. Tax Free

Although most retirement plan options allow for Tax Deferred growth, the majority of them tax 100% of the income you take in retirement. That means that you can potentially lose hundreds of thousands of your retirement dollars to taxes. With an IUL, you not only get Tax-Deferred growth, you can also take Tax-Free retirement distributions. Compare the tax savings with an IUL vs. your current retirement plan.


A recent study showed that retirement plan fees can range from 3% to 5%. Just a 1 percentage point difference in fees can dramatically reduce the size of your nest egg over time. Compare the fees in your current retirement plan to the fees in an IUL to see for yourself just how much you can save.

"Don't leave your retirement to chance. A secure retirement starts with a solid plan."




Your IFL Agent

Bill Kinder

Phone: 304-250-0250
Email: williamdkinder(at)

Bill Kinder & Associates is West Virginia's leading financial advising and consulting firm for single people, families and business owners. Our mission is to help you achieve financial clarity and peace of mind while improving your quality of life and helping to protect what is most important to you. We specialize in financial advising, retirement planning, asset protection and estate planning. We can also plan a unique way to fund a tax-free lifetime income.

We help everyday people accomplish their personal, financial and retirement goals through smart planning combined with our experienced team of legal and tax associates.

Bill's passion for his profession is evident to everyone he meets. For over 40 years, his mission has been to provide personalized, high-quality financial services for local clients from all walks of life and all income levels.

Bill believes in the power of organized planning to create peace of mind solutions to life's most troubling financial questions. His goal is to help retirees and pre-retirees protect and safely grow their savings through retirement, and to preserve and distribute their estate according to their wishes and needs. He has created thousands of personalized plans around the financial and retirement goals of his clients. His success is due to his lasting commitment to help people achieve the objectives that are most important to them.

Bill is a nationally recognized advisor, speaking at industry events and writing for national publications. He has also appeared on local television programs and been quoted in the news on a variety of financial topics. He holds a Bachelor of Science from Morris Harvey College, plus Chartered Life Underwriter and Chartered Financial Consultant certifications from the American College, as well as the Million Dollar Round Table's "Top of the Table" honor.

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