Presented by: Brian Zeek, Surf City Financial Group
Posted: November 1, 2023
Reason 1: Most financial advisors don’t know accounts like TFRAs exist - nor, how to structure one to be legally tax-free for the account holder.
Reason 2: Most financial advisors recommend financial vehicles their company tells them to recommend.
And as a result, less than 0.07% of Americans have what I call a tax-free "TFRA" account — while more than half the population has a taxable 401(k) or “contribution-limited” Roth IRA.
With a Fully Taxed 401(k):
❌ You pay taxes on growth (the minute you withdraw)
❌ Your growth & principal is not guaranteed (most 401(k)s rise & fall in lockstep, with the market)
❌ Your money is not liquid (early withdrawals are penalized up to 10%)
With a Roth IRA:
✅ You don't pay taxes on growth, but...
❌ You can only deposit $6,000/yr
❌ Growth & principal isn’t guaranteed - like most 401(k)s
❌ Not liquid (same 10% early withdrawal penalty)
With a Tax-Free TFRA:
✅ You never pay taxes on growth, Ever ( This is 100% legal if your TFRA is set up to be compliant with current IRS tax-code)
✅ You can deposit as much as you want (No contribution limits - every cent in grows tax-free)
✅ You never report income to the IRS, Ever (The IRS doesn’t classify “income” as “income” inside this kind of account)
✅ Your interest rate can be guaranteed (Your money grows at the same yearly rate as when you opened your account— even if the market crashes)
✅ Your money can be liquid (Your account growth and value can be accessed in any amount - at any time - without penalty)
And there are many more great fiscal things you can do with an account like this...
Is It “Too Good To Be True,” You Ask?
Nope. It’s very real.
In fact, an Account like a TFRA is not a new investment strategy.
Accounts like these have been used by wealthy individuals and families for over 100 years to build, then pass on fortunes in a legally tax-free environment.
President John F. Kennedy had an account like this.
So did Presidents Taft, Cleveland, McKinley, Harding, and FDR (FDR, in fact, held a large portion of his estate - $562,142 or over $7 million in today's dollars—inside his account...)
Even John McCain used his account to fund his electoral campaign back in '08.
The only question is...
Do You Qualify For A Tax-Free Retirement Account?
A TFRA account is NOT available just to the super-rich…
However: an account like this can only be technically set up if you or your family qualify for it.
To discover if you qualify for a TFRA, take our 30 second survey below.
To see if you qualify, complete the survey below:
30 Seconds To Apply and Pre-Qualify
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