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.

"Longevity and Mortality credits of annuities make them unbeatable sources of income for retirees"




Your IFL Agent

Fred Saide, Ph.D., NSSA

Phone: 908-791-3831 ext. 1
Email: freds(at)

I have developed a specialized planning practice to help people nearing and in retirement make educated and well-reasoned decisions about how to use Social Security, pensions and assets to meet retirement income needs and achieve their retirement goals. We use advanced planning tools and strategies to evaluate each decision and determine what impact each decision has on other decisions and on your overall ability to achieve your retirement goals. We then create a customized retirement road map with specific recommendations unique to each client. 

I am committed to helping our clients gain clarity and confidence in their retirement decisions.

Fred has advanced degrees from Duke University, and professional certifications from the American College, Purdue University, and Boston College. He works with both pre and post retirees. He also is a former syndicated columnist for Gannett media and is a college Adjunct professor. He is a published author.

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