Tax Efficient Planning

Most physicians are not saving efficiently for retirement. 

Why Choose A Tax Efficient Plan?

A disadvantage to being compensated well for your hard work is that it comes with the burden of paying more in taxes. Creating your own savings plans allows you to use strategies that minimize your tax liability.

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Your advisor won’t make blanket recommendations based solely on your status as a physician. Get a plan that is personalized to each client’s unique financial situation, goals, and level of risk tolerance. 


With all the options out there our approach makes what seems complex simple. You define your goals and we help you reach them and lower your tax liability.


Our advisors find the best opportunities and options for you to have the highest probability of reaching your goals while requiring the lowest amount of funding. 

The Ideal Investor

Physicians are high-income earners, which makes you part of the minority of people tax-efficient planning is the right for.  Here’s what could potentially make you a candidate for this type of savings strategy: 

  • You have excess cash flow
  • You already are fully funding your employer-sponsored retirement plans
  • Not having access to this cash in the short term (ie. next 10 years) will not be an issue
  • You are looking for ways to put more money toward retirement tax efficiently
  • You are trying to avoid creating future tax burdens

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Tax-deductible contributions

Tax-deferred earnings

Tax-advantage withdrawals and/or income

No required withdrawals

No IRS penalities for early withdrawals

No contribution limits

No cost of insurance charges

Competitive rate of return potential

Ideal Investment
Non Existent


Brokerage Account

Pre Tax

401(k),  403(b), 

 457(b), Traditional IRAs,

Post Tax

Roth 401(k),  Roth 403(b),  
Roth 457(b), Roth IRA, 

Tax Efficient 

Life Insurance
Retirement Plan

Which plan is right for you?

Every investor situation is different, oftentimes it makes sense to use a combination of these options when it comes to retirement planning. 

Similar returns with less risk

The cash value that grows inside of a permanent life insurance policy is tax-deferred and can be accessed as tax-free income.  However, this savings strategy is subject to monthly policy charges which are subtracted from the cash value in order to fund the death benefit protection – but are usually less than the amount of taxes you’ll pay in an investment account. 

On the flip side, if you were to invest the same amount of money into a taxable investment account, as many financial

 advisors suggest, you will be subject to both short term and long term capital gains tax along with possible management fees. Utilizing a properly structured, low fee LIRP (Life Insurance Retirement Plan) can save on taxes, protect from market downturns, and potentially result in having more funds available that last longer when compared to a taxable investment account.

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On a case by case basis, we strive to understand each individuals’ work/life balance.

Statutory authorities for key tax attributes of life insurance

IRC § 101 

IRC §101  and 



IRC §7702

IRC §7702A

IRC §72

IRC §72

Death benefit proceeds received can be excluded from gross income

Accelerated death benefit proceeds received by reason of the insured becoming chronically or terminally ill can be excluded from gross income, up to certain limits

Earnings generated by the policy's cash value are excluded from gross income if the policy satisfies one of the definition of life insurance tests stated in §7702(a)

Premiums paid exceeding the 7-pay premium test limit cause the policy to become a Modified Endoment Contract (MEC)

Withdrawals from cash value up to adjusted basis and policy loans from a non-MEC policy that remains in force until death can be excluded from gross income

Distributions or deemed distributions from a MEC policy's cash value are included in gross income, plus a 10% penalty if under age 59.5 to the extent of gain