By David Alemian

In our last episode I introduced you to the seven retirement killers: Taxes, inflation, market losses, major medical illness, a late start to saving, college for your kids, and the death of a breadwinner. In this issue, I’m going to focus on taxes.
If your retirement money is taxable, you can’t possibly know how much money you will have in retirement. That’s because you have no idea how high taxes will be when you retire. Which means, you don’t know how much of your money the government is going to let you keep.

To protect yourself, you need to a create lifetime tax free retirement income stream that will fully support the retirement lifestyle you want. The only way to do that is to use a permanent cash value life insurance policy as your primary retirement savings vehicle. The money will grow tax-deferred just like your qualified plan. In retirement, you pull the money out tax free in the form of policy loans. Moreover, because the money is tax free, it’s not pushing you up into a higher tax bracket for other retirement income that is taxable. This means you could save even more tax dollars on your 401(k) or IRA, and Social Security.
You can’t control how high taxes go, but you can control whether or not your money is taxable. Creating a tax free retirement income with a permanent cash value life insurance policy is a key first step to building the retirement of your dreams.
In the coming episodes, I’ll focus on how to protect you and your family from all seven of the retirement killers. So remember to absolutely make sure you come back here next week for another edition of the Alemian file.
In the meantime, check out and “LIKE” the Alemian file Facebook page, or simply go to www.theAlemianfile.com. If you have questions, send me an email to David@TheAlemianFile.com, because I answer every email I get.

About David Alemian

Successfully creating affordable retirement plans guaranteed to last a lifetime is a unique, specialty skill. It’s a challenging arena but respected writer David Alemian makes it look easy. Alemian is a leading retirement expert and nationally recognized authority whose expertise is shared via video columns, numerous journals, and talk-shows.
His national recognition results from both revolutionizing and revitalizing how organizations and individuals like you and me plan and save for retirement. Alemian is considered “The Go-To Guy” for creating and implementing absolutely irresistible, lifetime retirement pension programs.
Formerly the host of “It’s About Money” Radio Show, Alemian has also produced and is featured in over 200 financial education videos. Additional content can be found in many well-respected, publications including: MD Magazine, Physician’s Money Digest, Physicians Practice, Journal of Clinical Oncology, Consultant Live, Psychiatric Times, Cancer Network, OB/GYN.net, and The Healthcare Executives Network.