Listen To My Latest Podcast Episode:

How To Have A Bulletproof Financial Plan

Listen To My Latest Podcast Episode:How To Have A Bulletproof Financial Plan

Tax Free Matching Resource Page

As Fiduciaries, our goal is to stress-test strategies, find out what is wrong with them and make sure all the estimates are conservatives. New videos are added often. If there is a certain analysis you would like to see, please send me an email.

If you are new to the Tax Free Matching program watch the 3 minute overview on this page first.  Use the links below to jump to the videos on this page:

How To Use Tax Brackets To Save Six Figures or More in Taxes

You can use tax brackets to save a fortune in taxes. If you are a high income earner, you can combine taxable and tax free sources of income to save six figures or more. This is the most underutilized tax planning strategy for high income earners.

3 Minute Overview of the Tax Free Matching Program


  • Up to 3 to 1 matching on contribution
  • 60% – 100% more retirement income vs. saving on your own
  • Save six figures or more in taxes during retirement

How The Money Grows: A Deeper Dive Into Performance

With the Tax Free Matching Program, the funds go to an A+ rated insurance company who then uses “Options” to grow the funds. Estimates typically show 60%-100% more retirement income vs. saving on your own. Are the numbers they give us realistic?  This video looks at stress testing, back-testing and actual performance.

Performance Highlights:

  • When calculating income estimates, the online demo uses 6% interest. Actual performance over the last decade has been over 7%.  Roughly 20% better than estimates. 
  • Historical back-testing shows a 100% probability of a 6% or greater rate of return over 10 and 15 year rolling periods.
  • Plans pass stress testing through 1980’s High Interest Rates and The Great Depression.

Option Highlights:

  • Upside growth potential based on the performance of market indexes with a 0% floor to protect from market losses. 
  • Any interest earned locks in every 12 months and cannot be lost in future years due to market downturns.
  • New advanced “Uncapped” options strategies are available with the ability to “Lock” index gains during the year.

Insurance Costs: Can you have a low cost tax free asset?

Search the internet and you will see people either love or hate life insurance as a wealth accumulation vehicle. But, the tax free benefits are unmatched in the tax code and not in dispute.  Still are the plans too expensive even with the tax savings? Most articles offer criticisms of cost, but few offer solutions. What we really want is a low cost, tax free asset.

Due to strict requirements by the bank to offer the 3 to 1 match, the insurance strategies used in these plans are designed to minimize costs.  These plans are different than the “off the shelf” versions you would see when buying a regular indexed life or whole life. Both of which can be poor investments when structured improperly.  

Cost Structure:

  • Insurance cost are reduced by using a blend of term insurance and permanent insurance
  • Plans are structured to buy the least amount of insurance required by the IRS
  • Agent compensation is reduced
  • Cumulative cost total much less than 1% over time, not including the tax savings

Other highlights:


  • Costs are higher in the first 1-3 years because the IRS won’t let you put all the money in at once
  • It generally takes 3-5 years for the plan to go cash flow positive
  • The average plan can generate six figures or more in tax savings during retirement

How To Quickly Evaluate Your Return On Capital


  • ROIC or Return on Invest Capital helps you know you are using money in the most efficient way
  • In simple terms ROIC is how much you get out for what you put in 
  • 8x – 12x is a good range to target for low risk strategies

    3 to1 Matching Case Study with Costs



    • Quick overview of a client case study
    • Tools we use to evaluate costs
    • IRS rules required

      The Top Six Reasons People Use the Tax Free Matching Program


      •  Tax Protection: Yearly tax savings of 10k to 20k or more during retirement
      • ROIC:  14x-20x return on invested capital with distribution and legacy benefits
      • Catch Up or Get Head: Secures your future income while protecting your current lifestyle
      • Massive backdoor “ROTH”:  Can double your tax free income down the road
      • Recapture Time: Using the bank matching is like you started saving 10 years earlier
      • The Dynasty Path: A foundational piece to help your wealth continue to grow  for generations vs. decline during retirement

      Using Tax Buckets To Create $750,000 In Additional Wealth


      •  How we helped a client create $750,000 in additional wealth
      • How to use tax buckets
      • The basics of offensive and defensive assets

      How To Allocate Assets With Tax Free Matching


      • Try to secure your future income with the least amount of capital
      • 15%-30% should be a good target
      • Always include the tax savings

      How Using Loans As Income Creates An Additional $1 Million



      • Why the wealthy use loans as income
      • Keep your wealth growing while taking out income
      • The simple math of how banks get rich

      How To Double Your Tax Free Income

        In the normal tax free matching strategy, you contribute 50/50 for 5 years with the bank matching. Then the bank fund 100% year 6-10. Bank is paid off by the growth in the insurance policy in year 15 and you can take a tax free income stream anytime after that.

        However, if you use outside funds to pay off the bank from other capital – a real estate or business sale, etc you have now converted those funds to tax free because all the fund in the insurance policy are now free and clear and tax free forever.

        This functions basically like a “no limit” back door ROTH.  Note: You would still need to pay capital gains tax on the funds from a real estate or business sale.

      • The potential to double the tax free income
      • It’s “Provisional” only use it if you have the extra capital
      • You could do partial payoffs
      • Allows you to start income as soon as year 11

      How The Tax Free Matching Program Secures Your Future Income


      • Up to 3 to 1 matching on contribution
      • 60% – 100% more retirement income vs. saving on your own
      • Save six figures or more in taxes during retirement
      • How the Bank Matching is structured
      • Pros and Cons

      Full 3 to 1 Matching Webinar Replay


      • Good overview of plan details
      • Client Q & A
      • Deeper dive into certain elements of the strategy

      How To Use The Online Demo



      • How to calculate your projected income
      • Navigating all the resources
      • Comparisons to other investment options
      • You set up a five-year contribution plan.

      • Fund it for five years.

      • You are done! No long term savings commitment.

      Exp: $250,000 ($50k yr. x 5)

      • Bank matches up to 3 to 1

      • No upper limit on matching (Over $2 Billion funded)

      • No personal guarantee on funds or loan docs.

      Exp: Match: $750,000

      • Funds go to an A+ rated insurance company

      • Provides guarantees

      • Grows funds

      Exp: $1,000,000 growing tax-free for your retirement

      • Popular Stock Market Indexes

      • Principal is Guaranteed Against Market Losses by A+ rated insurance company

      • Gains “Lock In” every 12 months and cannot be lost in future years due to market downturns.

      • Fees average 1% or less over time

      • Creates a tax-free income stream for retirement. 

      • 60%-100% more income vs. saving on your own.

      • For producing tax free income, this beats saving on your own even through the harshest economic conditions.

      Schedule a 15 minute demo walkthrough:

      • Estimate your tax free income numbers.

      • No Sales Pitch. 15 demo walk-through via zoom.

      • Access comprehensive resources and review plan details on your own without any pressure.

      About The Founder

      Wealth For Life was founded by Denver Nowicz, a fiduciary financial adviser with over 20 years in the industry.  The modern advisor should be proficient in all the ways to build wealth. Crypto, Private Equity, Angel Investing, Real Estate, Business Creation, Franchises, and more. Not just the stock market. With experience gained from helping hundreds of clients successfully improve their finances and their lives, Denver is driven by his clients’ success—nothing is more rewarding than creating a successful plan for a client to help ease or eliminate their financial stress, worries, and fears. The Fiduciary Responsibility is always in the clients best interest first. – Nationwide Service – 16427 N Scottsdale Rd #410, Scottsdale, AZ 85254  (602) 326-3435