Most Powerful Retirement Plan in America

100% Tax Free Income

Lifetime Income

No Losses Guaranteed

100% Safe

Completely Private

No Contribution Limits


When it comes to deciding where to allocate your hard-earned assets towards retirement, ask yourself these questions:


Tax-Deferred or Tax-Free?

Stock Market Downside Risk or No Downside Risk?


In other words, would you choose a Tax-Free Retirement Plan with NO DOWNSIDE MARKET RISK over a Tax-Deferred Retirement Plan with 100% RISK? John Nunes Financial & Insurance Services believes that most people would. The problem is that most people do not know this type of plan exists. Our mission here is to change that.


During the Global Financial Crisis of 2007-2012 ("Great Recession"), millions of Baby Boomers lost over half of their retirement funds just as they were ready to retire. What's even worse is that they will pay almost half of what is left in state and federal taxes. Why? Because they were in a Tax-Deferred, 100% Market Risk financial vehicle (such as a 401(k) or a Traditional IRA).

Having watched the events of the Great Recession that forced many Baby Boomers to delay or downscale their retirement, those in today's work force have looked for a better way to build their retirement accounts. That "Better Way" is to provide a vehicle that provides:

1) Upside Potential With GUARANTEES 

2) Downside Protection Against MARKET DOWNTURN 

3) LIFETIME STREAM OF INCOME at Retirement.   



There are four key factors today that will impact retirement:


-  Social Security

-  The National Debt

-  Taxes

-  The Stock Market


Understanding the risk factors that can come between you and your ability to retire how and when you want is an important step toward meeting your retirement goals. To help increase the likelihood that you’ll have the funds you need when you reach retirement age, keep these four risk factors in mind:


"The Tax Exemption for life insurance is the single biggest benefit in the tax code."

-Ed Slott, CPA

Social Security

The combination of rising medical costs, higher life expectancies, and the number of baby-boomers who file for Social Security every day is quickly making our Social Security system unsustainable.


As of 2017 we will begin paying out more in benefits than we collect in taxes.

National Debt

The "official" national debt is over $19 trillion, but the "real" national debt which includes all unfunded liabilities (which include Social Security and Medicare) is currently more than $118 trillion.


The national debt has been growing at a rate of $1-2 trillion each year for the past 5 years. That is over $395,000 for every man, woman and child in America and over $1 million per tax-payer.


For more information on the United States National Debt, click here.


The only way for the U.S. government to combat our massive debt and honor our social security commitments is to either cut spending or to increase taxes. Which do you think is going to happen? The majority of Americans today do not believe that the U.S. Government will reduce spending, and they believe taxes will increase the way they have in the past when the country has experienced a prior economic crisis.


As this chart illustrates, tax rates have been as high as 94%, and with our current top marginal tax rate relatively low (currently around 39%), the likelihood of a tax rate increase to combat our massive debt seems to be inevitable.

Stock Market

tax rates.png

Between August 2007 and February 2009 the S&P 500 dropped 48% and hundreds of billions of pension and retirement plan dollars evaporated. For those who were at or near retirement, the impact of this vanished wealth has been devastating.  Virtually overnight, Baby Boomer retirement funds lost almost 50% in value, and millions of people who thought their retirement years were secure have been forced to continue working or to rethink what "retirement" means for them and their families.


Why did this have to happen to so many people who thought they were ready to retire?  Because they did not have the knowledge to know that there are products that can eliminate risk from their retirement portfolio.


With the traditional ways of planning for your retirement (401k, IRA, Pensions to name a few), all of the key factors that affect retirement come into play. But what if there was a way to eliminate maybe one or two of those key factors from affecting your retirement? Depending on whether you are working with pre-tax or after-tax funds, you can definitely eliminate one or two of those factors.


The graph above shows the real numbers for the S&P 500 from September 2000 through the closing numbers of December 2018. As you can see with the blue and red lines, the red line indicates the actual returns of the S&P 500, while the blue line represents a Risk Protection product with a 0% Floor and a 12% cap.


This Risk Protection product was able to zero out all of the negative years because of the 0% floor, and although the 12% cap does not allow you to benefit from 100% of all market gains over the cap, you still outperformed the S&P 500. That means if you invested $100,000 into this Risk Protection product vs. investing that same $100,000 directly into the S&P 500, the difference after 18 years would be $313,497 for the Risk Protection product vs. $246,507 for the S&P 500, a difference of $66,990!


This Risk Protection product allowed you to eliminate two key factors that affect your retirement: STOCK MARKET VOLATILITY & TAXES.


So, the choice is yours. Do you trust your hard-earned retirement money into a vehicle that gives you opportunities to participate into 100% of all gains as well as the risk of participating into 100% of all losses, or do you allocate your money into a vehicle that protects you from all risk with a 0% floor and allows you to participate into market-like gains with a 12% cap?


What is this Risk Protection product that gives you guarantees with upside potential, protection against market downturn, AND tax-free retirement?

This product is called Indexed Universal Life (IUL).

Tax Free Retirement With Indexed Universal Life (IUL)


Tax Free Retirement is an after-tax savings strategy that uses Indexed Universal Life as the vehicle that allows you to:

  • Create a Tax Free Retirement

  • Benefit From the Upside Gains In The Market Without the Risk of Market Downturn (Safety of Principal With Upside Potential)

  • Have "Peace of Mind" Knowing Your Retirement Money Is In One of the Safest Savings Vehicles Available Today

  • If Properly Funded, A Guaranteed Lifetime Stream of Income

  • Provide Heirs With An Instant Estate, Tax Free

  • Full Living Benefits Where You Can Access Your Policy's Benefits While You Are Still Alive in the Event of a Chronic, Critical, or Terminal Illness, and Disability

Option #2:

Buy ONE IUL policy with LIVING BENEFITS that covers all of these areas with one low premium vs. FIVE individual policies with FIVE individual premiums. PLUS, cash value distributions are TAX FREE!

Option #1: Buy 5 individual policies to cover all of these areas (which is very expensive)

In addition to all of the Tax Free Retirement benefits, the IUL product provides benefits for Critical Illness, Chronic Illness, Terminal Illness, Disability and Retirement all in ONE policy rather than the costly alternative of owning individual policies for each. 


This all-in-one approach, along with the ability to access the death benefit while the insured is still alive, is what we call "Life Insurance You Don't Have To Die To Use", and they are part of a category of life insurance that include what we call "Living Benefits".  Tax Free Retirement and Living Benefits, the best of both worlds.

Below is a side-by-side comparison of the traditional approach to funding your retirement (tax-deferred using pre-tax dollars) and the non-traditional approach provided by J. Nunes Financial (tax-free using after-tax dollars). Seeing the difference, which would you prefer:


Tax Deferred Retirement


Limits The Amount of Money You Can Contribute Towards Retirement


No Early Access To Your Money Before The Age of 59 1/2 Without 10% IRS Penalty & Applicable Federal and State Income Taxes


Accounts Funded Through Stocks or Mutual Funds Subjects You To ALL Inherent Market Risks Including Market Losses


Subjects You To Taxes On ALL Monies Deferred Plus Taxes On ALL Gains Which Could Push You Into A Much Higher Tax Bracket At Retirement


Forces You To Begin Taking Distributions No Later Than Age 70 ½ Whether or Not You Want To


Subjects Your Social Security To Increased Taxation Since Distributions Are Treated As Additional Income


Subjects Your Heirs Up To 50% or More In Taxes Upon Your Death, AND The Amount Available To Them Is Based On The What Is Left In Your Account At That Time


Retirement Accounts Are Vulnerable To Judgments or Liens

Tax Free Retirement


No Limitations On The Amount of Money You Can Contribute Towards Retirement


Allows Access To Your Money At Anytime Without Taxes or Penalties


Gives You Access To Market-like Returns With No Market Risk AND Guarantees You Will NEVER Take a Market Loss


Provides Tax Free Income At Retirement


Allows You To Decide If AND When You Would Like To Take Distributions


Does NOT Subject Your Social Security To Additional Taxation Since Distributions Are Considered "Loans"


Provides a 100% Income Tax Free, Lump Sum Payment To Your Family At The Time of Your Death


Protects Your Retirement Accounts From Judgments or Liens (In Most States)


You pay tax on 100% of all monies deferred plus taxes on all gains in the taxed deferred account at the time of distribution at retirement



Since you used after-tax monies to fund this account, it provides 100% tax free income since distributions are considered loans.



How an IUL Works


Business Owners

There are Business Owners who have tax-qualified retirement plans in which they participate, but the majority of Business Owners have no retirement plan either for themselves or their employees. Here are some of the reasons:


-  In the early years of opening the business, money is tight so they do not start saving right away


-  They usually are left to fend for themselves since no one in the financial community is pursuing their business


-  They place themselves last on their list when it comes to getting paid from their business


-  Their business typically starts substantially in debt which eats into their profits and leaves little for savings


-  They are too busy running their business that they find they have no time to research possible savings opportunities


-  They find that they cannot create a tax-qualified plan for themselves without creating one for their employees


Here are the reasons why Tax Free Retirement is The Right Choice For Business Owners:


-  They have a need for life insurance to cover their business debt and to take care of their families if they should die. Many Business Owners are very much under-insured which leaves their families and businesses at risk for financial catastrophe.


-  Even though their businesses usually provide more than enough tax deductions during their accumulation years, once they sell their business or retire many Business Owners find themselves with little or nothing left in the way of tax write-offs. This maximizes their need for tax-advantaged income at retirement.


-  Because life insurance is not a tax-qualified plan, there is NO government requirement for Business Owners to set up a similar plan for their employees.


-  There are NO limits to the amount that can be saved within a life insurance contract, other than what the contract itself specifies. This allows a Business Owner the flexibility to deposit varied amounts from year to year, including lump sum deposits.


-  There are absolutely NO additional record keeping or tax forms necessary which makes it simple and easy for busy Business Owners.


-  It provides the heirs of the Business Owner with instant liquidity should the Business Owner decide to keep the business until his or her death.


To schedule an appointment on how to get started with your Tax Free Retirement, contact John Nunes Financial & Insurance Services today!


Here are the reasons why Tax Free Retirement Is the right choice For Physicians:


-  Many Physicians make more than $160,000/year which means that they are not eligible to contribute to a Roth IRA. That makes life insurance the only existing TAX FREE retirement option available to them.


-  Physicians are specialists who work countless hours to master their areas of expertise to serve their patients. Their focus and dedication to their profession often leaves them with little or no time to focus on retirement planning.


-  Physicians have a high level of discretionary income and since they are ethical professionals, they tend to assume that other industry professionals are as well. Physicians are often chosen as the targets for questionable investment opportunities by unethical "professionals" in the investment arena.


-  Physicians generally need a lot of life insurance for these reasons: - They need to protect a large income for their families - They usually carry a high level of debt from medical school, internships & residencies - They have the lowest life expectancy of any profession


To schedule an appointment on how to get started with your Tax Free Retirement, contact John Nunes Financial & Insurance Services today!


Every Business Owner is always looking for ways to improve their ability to attract and retain their top talent. What if you, as a Business Owner, could offer your employees a retirement plan that:


-  You did not have to make contributions to


-  You did not have to administer


-  Were not liable for


-  Had no downside risk


-  Had the potential to provide better than market returns


-  Was TAX FREE and not TAX DEFERRED at distribution?


As a Business Owner / Employer, one of the key factors potential new employees always take into consideration when looking at your company is your employee benefits plan. Once they become your employee, it is not uncommon for them at the time of the benefits renewal period to be looking for some sort of improvement or enhancement to that plan.


If your company currently offers an employee benefits plan that includes medical coverage, most likely you are not able to make any improvements because of the ever-increasing health care costs. More often than not, you find yourself forced to reduce benefit levels and/or lower your contribution percentage to control costs. Taking all of this into consideration, there are two other main key components within most employee benefits plans you can improve:




John Nunes Financial & Insurance Services can assist you with these options which include no additional costs, no additional liabilities, and without any inconveniences for you, the Business Owner.


If your company currently does not offer an employee benefits plan even though you would like to offer one, it is almost a certainty that you probably have lost far too many of your top talent to companies in your industry that do offer an employee benefits plan. With Tax Free Retirement, you eliminate the perception that company paid life insurance or a 401(k) is an employee benefit most employees look for when choosing an employer. John Nunes Financial & Insurance Services specializes in Tax Free Retirement for employees and we provide a retirement option that guarantees absolutely NO market risk while taking care of their life insurance and their retirement needs. We do this with no additional costs, no additional liabilities, and without any inconveniences for you, the Business Owner.


To bring Tax Free Retirement to your employees, John Nunes Financial & Insurance Services provides Tax Free Retirement workshops at your workplace. Our one hour workshops include the following:


-  A complete overview of the strategies that comprise Tax-Free Retirement


-  Q&A Session to address any and all questions regarding Tax Free Retirement


-  After the workshop, each employee will have an opportunity to schedule a one-on-one appointment with a John Nunes Financial & Insurance Services professional to design their own personal Tax Free Retirement plan.


To schedule your complimentary one hour Tax Free Retirement workshop, contact John Nunes Financial & Insurance Services today!

Tax Qualified Plan Contributors | High Income Earners

Tax Free Retirement may be the right option for you to consider if you answer YES to two or more of the following questions:


-  I want to receive Tax Free income during my retirement


-  I have a need for life insurance


-  I want to save more per year than a Roth IRA allows


-  I currently contribute more to my tax-qualified plan than what my company matches


-  I contribute to a deferred compensation plan


-  I make more than $125,000/year


-  I want to benefit from upside potential in the market without the risk of market downturn


If you are ready to start your personal Tax Free Retirement Plan, contact John Nunes Financial & Insurance Services today!

Children | Grandchildren

Starting a Tax Free Retirement Plan for Children & Grandchildren allows you the following:


-  To Be Remembered:   Would you like to be remembered for giving your child or grandchild a gift he or she could never duplicate? A gift that will produce a harvest long after you are gone?


-The Gift of Time:  Three variables you deal with while planning for retirement are: - Amounts of Contribution - Growth Rate - TIME and the power of Compounded Interest


If you are ready to leave a legacy for your children/grandchildren, contact John Nunes Financial & Insurance Services today!

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