Do you have a 401(k) exit strategy?
- The Tax-Free ARP Plan Strategy may be one of the most powerful ways to squeeze the most out of your qualified retirement plan. In fact, this risk-free and tax-efficient strategy provides a legal way to get tax relief on distributions from a qualified retirement plan.
- We can help you reduce your distribution tax obligation by up to 100%.
+30 Years
of Experience
100%
Audit Proof Solutions
+1,000
Clients Helped in 2023
800K
Minimum Retirement Savings
The Solution
ARP Distribution Strategy may well be the answer.
This new program allows for a legal way to get tax relief on distributions from qualified plans, as well as provide a host of other benefits, such as:
- Income-tax-free cash accumulation and distribution.
- Litigation-proof: assets are protected.
- Never lose any part of the principal and/or any gains.
- Access any available cash value through policy loans and withdrawals and still participate in gains even for the loaned amount through participating loans.
- Permanent life insurance – income-tax-free death benefit for beneficiaries.
- Supplemental retirement income.
- Disability income.
- Long-term care.
The ERISA Distribution Strategy is compliant with the current tax codes. It allows you to move money from qualified plans, over time, into individually owned life insurance policies on a tax-advantaged basis. After the policy is distributed to you, typically in year five or six, these policies have all the characteristics of individual policies purchased with routine after-tax money, including tax-free withdrawals.
The Mechanics
The ERISA Distribution Strategy
uses a custom-designed cash value and tax-advantaged policy that has been designed to apply the bulk of policy expenses during the first five years rather than amortize them over 15 years. When the annual premiums are completed to the life insurance policy, expenses are taken out of the amount. This will create a lower fair market value of 35 – 40%, meaning that taxes are only paid on 60 – 70% of the starting amount in the qualified plan.
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Contact Wilson Hand
Wilson Hand partners with Financial Advisors, Wealth Managers/ Advisors, Financial Consultants, Tax Strategists, and Estate Attorneys with a client base of business owners and individuals with a high six-figure taxable income that will benefit from our tax products. Wilson Hand and our partners ensure that highly compensated individuals and business owners feel confident participating in our tax mitigation strategies.
Innovative Solutions:
Embracing change, we provide creative and adaptive solutions, navigating the evolving tax landscape with finesse.
Wilson Hand offers exclusive tax mitigation products to help individuals and business owners reduce their taxable income. We do not advertise our products directly to the client; instead, we align with professionals and small firms to add additional strategies to their client solutions portfolio.
Learn More About Wilson Hand
Our mission is to power the future
Wilson Hand focuses on increasing the amount of capital in the private economy. We believe that the producers of assets and value are the best stewards of those assets and value. These individuals should have authority and control over how they reinvest the value they create. Wilson Hand can empower these individuals to grow their businesses, affect change in their community, and build a financial estate for their beneficiaries by having a program that helps keep more capital in the private economy.
30 +
Years
Experience
Why Choose Us
Benefits of working with Wilson hand
The Tax-Free ERISA Plan Strategy may be one of the most powerful ways to squeeze the most out of your qualified plan. In fact, this no downside risk and tax-efficient strategy provides a legal way to get tax relief on distributions from a qualified plan. It will generate wealth and net income several times larger than the typical approach to distributing assets from an ERISA plan. This attractive strategy is available to every professional or business owner with a seven-figure balance in their qualified ERISA plan.
- Reduce Your Tax Obligation
- Free Consultation with a Tax Advisor
- Custom Solutions Based on Your Situation
- Increase Your Net Gain
Powerful Team
Meet the Team
Jarum Stone
Relationship Manager
John Ryan
Relationship Manager
Nathon Barton
Relationship Manager
Andrej Kandus
Relationship Manager
Wilson Hand Values
Integrity & Transparency: We uphold utmost honesty and clarity in every legal endeavor, demystifying complex processes for our clients.
Client-Centric Advocacy: At the heart of our operations lies an unwavering commitment to prioritizing and fiercely defending our clients’ interests.
Innovative Solutions: Embracing change, we provide creative and adaptive solutions, navigating the evolving tax landscape with finesse.
Contact Wilson Hand today to learn more about how we can help your company succeed.
Comparison
Traditional 401K
A taxpayer has a 401(k), which is left to grow at the assumed 7.01% average annual rate, and money management fees of 1.5% per year. The 401(k) can generate an income in the amount of $90,000 per year, a $59,000 net income, starting at age 67.
Please note that since taxes need to be paid for each distribution, substantially more gross distribution needs to be made to achieve the same net income as with the ERISA Distribution Strategy.
This scenario is able to generate tax-free income in the amount of $59,000 per year for only ten years, then an additional $24,000 the 11th year after, which is finally running out of money. No other benefits are available in this scenario.
ERISA Distribution Plan
A taxpayer has a 401(k), which would need $40,000 in annual funding for five years. Income taxes triggered by this distribution can be offset by borrowing against the policy’s cash value.
The life insurance policy can generate tax-free income in the amount of $59,000 per year for the life of the contract, starting at age 67.
This policy also has protection for the family in the event of the insured’s death in the tax-free amount of $1,100,000.
Based on the above, the ERISA Distribution Strategy is by far a superior strategy, as it may generate more than 3x more net income and 4x more net wealth as compared to the traditional 401(k) approach under current average annual return assumptions while providing family protection in case of death or disability.
Your Situation
Every person has a unique set of circumstances. We will create a personalized scenario based on your assets, income, and liquidity needs.
Too Good To Be True?
Not exactly. In fact, pure math. The basic concept has been the best-kept secret of the rich for decades. The reasons for the substantial advantage of the ERISA Distribution Strategy are as follows:
Taxation of Income:
- Traditional 401(k): Every distribution is fully taxed as income.
- ERISA Distribution: Only initial distribution taxed with a substantial relief, no taxation for future income.
Earning of Interest:
- Traditional 401(k): no interest earned on used money.
- ERISA Distribution: Continue to earn interest rate spread on borrowed money as the original asset is still intact.
Locations
Wyoming
960 Alpine Lane
#4
Jackson Hole, WY 83001
Singapore
111 North Bridge Road
#24-2
Peninsula Plaza, Singapore 179089
Utah
250 East 200 South
#330
Salt Lake City, UT 84111
Arizona
4254 N Brown Ave
#108
Scottsdale, AZ 85251
Practice Areas
Tax Planning
Estate Planning
Capital Markets
Corporate Finance
Securities
Mergers and Acquisition