Gain privileged access to a tax-advantaged solution typically only available to corporate benefit plans

Members of select professional associations now have access to a financial vehicle usually reserved for large corporate nonqualified deferred compensation plans. Designed properly, this supplemental cash balance plan alternative with Rothesque features can deliver:

Day One Liquidity
Diversified Investment Options
Tax-Deferred Capital Growth
Creditor Protection*
Tax-Free Retirement Income
Enhanced Death Benefits

How might planning for your financial independence be enhanced by an asset that offers all these features?

Listen as CEO, Jeff Acheson, details the ASG Association Life Income Plan on the American Retirement Association’s Executive Interview Podcast:

*State specific

The Genesis of the Association Life Income Plan^SM

Jeff Acheson, a long-time thought leader and trusted authority in both the qualified and nonqualified plan markets, has partnered with Equitable and CES to offer a wealth and tax management strategy designed around the tax attributes of IRC § 7702. This strategy utilizes asset location planning to enhance the financial independence planning of financially successful association members.

What is asset location planning?

Most financial planners and investment advisors focus on asset allocation and diversifying between stocks, bonds, real estate, cash, and alternatives to drive future results. As skilled wealth and tax management strategists, we add value by first focusing on asset location decisions and diversifying the associated tax implications of the investment allocation between ordinary income, capital gains, and tax-free options to achieve optimal net outcomes.

It’s not what you earn, but what you keep that matters most in wealth creation.

Asset Allocation vs. Asset Location

Introducing the Association Life Income Plan^SM

The Association Life Income Plan^SM is designed specifically for association members seeking a retirement lifestyle befitting their level of career success. Focusing on asset location planning and the attributes of an Institutional Series of Variable Universal Life (VUL) insurance products driven by the parameters of IRC § 7702, we can assist in putting your accumulation and income replacement goals within reach and with tax advantages**.

Features and Benefits

Dramatically reduced minimum annual premium of just $25,000 per year
EZ Underwriting designed for simplified and streamlined policy placement
Dedicated proposal and service desk
Accumulation-focused plan designs
High early cash value liquidity
No contribution limits
No direct surrender charges
Asset protection in many states

More than 80 investment options, including buffered strategies
Tax-free account rebalancing
Tax-free transfers between investment options
Tax-free distributions for income
Tax-free death benefit for beneficiaries
Minimum statutory life insurance death benefit protection
IRC §1035 funding designs possible
Dedicated policy administration portal

**For more complete and detailed information, request a full illustration and current prospectus.

Ready to learn more about incorporating asset location in your planning and how the Association Life Income Plan^SM can help you meet your personalized goals for financial independence?

Important Disclosures

The Association Life Income Plan is issued by Equitable Life, Administered by CES, and marketed by Advanced Strategies Group. Securities offered through IFP Securities, LLC, dba Independent Financial Partners (IFP) member FINRA/SIPC. Investment advice offered through IFP Advisors, LLC, dba Independent Financial Partners (IFP), a Registered Investment Adviser. Equitable, CES, IFP, and the Advanced Strategies Group, LLC are not affiliated. Insurance that tends to offer significant cash values in the early policy years be

The Association Life Income Plan uses cash value corporate owned variable universal life insurance that tends to offer significant cash values in early policy years because of its general lack of surrender charges and because in the event of a full policy surrender within a certain number of years. some policy charges may be refunded. These policies often include a minimum guideline death benefit and are structured to minimize death benefit expense yet retain the integrity of life insurance and the tax-deferral benefits. Cash values accumulate on a tax-deferred basis and can be structured for tax-advantaged access and distribution assuming policy loans after withdrawal of the policy owner's basis. Loans and withdrawals reduce the policy's cash value and death benefit, and withdrawals in excess of the policy's basis are taxable. Under current rules, loans are free of income tax as long as the policy remains in effect until the insured's death at which time the loan will be satisfied from income-tax-free death benefit proceeds. and, if the policy is surrendered, any loan balance will generally be viewed as distributed and taxable.

Variable universal life insurance is a contractual agreement in which premiums are paid to an insurance company. and the company, in return for those premiums, provides a benefit to a named beneficiary upon proof of the insured's death and a policy cash value. Amounts in the policy's cash value are invested in a variety of variable investment options where they are subject to fluctuations in value and market risk, including loss of principal. Life insurance policies have exclusions, limitations and terms for keeping the policies in force. Fees and charges associated with variable universal life insurance include mortality and expense risk charges, cost of insurance charges, surrender charges. administrative fees, investment management fees and charges for optional benefits. Please see the policy's prospectus for more complete information, including additional tax information.

Variable life insurance is offered by prospectus. For a prospectus with more complete information, including investment objectives, risks, charges and expenses, please contact your financial professional. Read the prospectus carefully before investing or sending money.

Please be advised that this webpage is not intended as legal or tax advice. Any tax information provided in this webpage is not intended or written to be used, and cannot be used, by any taxpayer to avoid penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed. You should seek advice based on your particular circumstances from an independent tax advisor.

Securities offered through IFP Securities, LLC, dba Independent Financial Partners (IFP), member FINRA/SIPC. Investment advice offered through IFP Advisors, LLC, dba Independent Financial Partners (IFP), a Registered Investment Advisor. IFP and Advanced Strategies Group are not affiliated.

Registration does not imply that the Firm is recommended or approved by the United States government or any regulatory agency. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply any level of skill or training.

IFP may only transact business or render personalized investment advice in those states and international jurisdictions where it is registered, has notice filed, or is otherwise excluded or exempted from registration requirements. The purpose of this website is for information distribution only and should not be construed as an offer to buy or sell securities or to offer investment advice. Past results are no guarantee of future results and no representation is made that a client will or is likely to achieve results that are similar to those described. An investor should consider his or her investment objectives, risks, charges and expenses carefully before investing. Please refer to IFP Advisors LLC ADV Part 2 for additional information and risks.

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