PrimusMax IncomeSM
A blueprint for tax-free, lifetime retirement income for solo business owners earning $100K+.
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What Does Your Retirement Lifestyle Look Like?
For solo business owners earning $100K+, retirement isn't just about having enough money. It's about freedom, control, and a lifestyle you designed on purpose.
Travel on Your Terms
Spend winters somewhere warm without watching your nest egg shrink.
Work Less, Live More
Step back from the business gradually while income keeps flowing.
Fund Your Next Chapter
Buy a vacation home, start a passion project, or help your kids.
Leave a Legacy
Pass wealth to your heirs tax-free, without probate or complexity.
Why Traditional Retirement Plans Fall Short
As a solo business owner earning $100K+, you've outgrown the tools designed for everyone else.
Your Surplus Has Nowhere to Go
401(k)s, SEPs, and IRAs cap contributions far below what you can actually save. Your hard-earned business profits sit in taxable accounts, eroded by taxes year after year.
The IRS Controls Your Money
Required Minimum Distributions force you to withdraw money you may not need, pushing you into higher tax brackets and triggering Medicare surcharges. That's not financial freedom.
No Safety Net for Your Business
Without a strategy for business funding and legacy, your wealth could be consumed by taxes, probate, and forced liquidation. Your family's future deserves protection.
The IUL Strategy: Your Personal Pension
One powerful strategy that funds your retirement lifestyle, your business growth, and your family's legacy.
Projected Tax-Free Cash Value Growth (Hypothetical)
Illustrative projection based on a hypothetical $25,000/year contribution. Actual results vary based on index performance and policy structure.
Tax-Free Income for Life
Your IUL builds cash value that grows based on a market index, but with a 0% floor — your principal never drops. When you retire, you take tax-free policy loans to fund your lifestyle. No income tax. No RMDs. No tax surprises.
Your retirement income is entirely in your control.
Your Personal Bank
Need capital for business growth, a bridge between client payments, or a sabbatical? Borrow from your IUL cash value. No banks, no applications, no approvals. You set the terms. Your money keeps growing even while you borrow.
Liquidity for your business, on your schedule.
A Tax-Free Legacy
Your IUL includes a tax-free death benefit that passes directly to your heirs, bypassing probate. Fund buy-sell agreements, protect your business continuity, and ensure your family is taken care of — all in one strategy.
Wealth transfer made simple and tax-free.
One IUL strategy. Tax-free retirement income, business funding liquidity, and a legacy for your family — all without risking your principal.
Sample Use Cases
Illustrative examples showing how the IUL strategy could work for solo business owners like you.
Marcus
Age 52 · $180K/year
The Story
Marcus spent 20 years building a solo consulting practice. He maxed out his SEP-IRA every year but always felt like something was missing. He wanted to retire at 60 with enough income to travel, spend winters in a warmer climate, and still leave something for his kids.
The IUL Solution
Marcus redirected surplus cash flow into a max-funded IUL over 8 years. The policy built tax-free cash value accessible before age 59.5 with no penalty. At retirement, he takes tax-free policy loans to fund his lifestyle, keeping AGI low enough to avoid IRMAA surcharges and Social Security taxation.
The Lifestyle Outcome
Now, at 62, Marcus takes tax-free policy loans to fund six months of travel each year. His IUL cash value continues growing even while he draws income. No banks, no RMDs, no tax surprises.
$8,500/month in tax-free retirement income while his policy keeps growing.
Sarah
Age 48 · $220K/year
The Story
Sarah ran a successful solo marketing agency. She loved the freedom of being her own boss but worried about what would happen if she got sick, if a client dried up, or when she wanted to step back. Traditional retirement accounts felt like a straitjacket.
The IUL Solution
Sarah funded an IUL using surplus agency profits with no contribution limits. The cash value grew tax-deferred, linked to a market index with a 0% floor. She borrowed from the policy for business bridge funding and sabbaticals, repaying on her own schedule while the money kept growing.
The Lifestyle Outcome
Her IUL became her personal bank. When a client project needed bridge funding, she borrowed from herself. When she wanted to take a sabbatical, the cash value was there. No applications, no approvals.
Accessed $75K in policy loans for business growth — paid back on her own terms.
David
Age 55 · $350K/year
The Story
David had $2M in qualified retirement accounts but realized every dollar would be taxed at distribution. RMDs at 73 would push him into the highest bracket, tax his Social Security, and trigger Medicare surcharges. He felt trapped by his own success.
The IUL Solution
David redirected surplus cash flow into an IUL over 10 years. The policy built a tax-free bucket accessible alongside his qualified plans. In retirement, he layers tax-free policy loans on top of Social Security, keeping AGI low enough to avoid IRMAA Medicare surcharges and minimize Social Security taxation.
The Lifestyle Outcome
David redirected surplus cash flow into an IUL over 10 years. Today, he layers tax-free policy loan income on top of Social Security, keeping his taxable income low enough to avoid IRMAA surcharges and minimize Social Security taxation.
Retired at 63 with $12,000/month in combined tax-advantaged income.
Elena
Age 45 · $400K/year
The Story
Elena sold her tech consulting practice and had a liquidity event. She wanted to protect her wealth from market volatility, create a private pension that would never run out, and leave a legacy for her children — without complex estate structures.
The IUL Solution
Elena deployed a portion of her windfall into a max-funded IUL. The cash value grows tax-deferred with a 0% floor, providing accessible tax-free income for life. The tax-free death benefit passes directly to her heirs, bypassing probate and estate erosion without complex trust structures.
The Lifestyle Outcome
Elena deployed a portion of her windfall into a max-funded IUL. The policy provides a tax-free death benefit that passes directly to her heirs, while the cash value gives her accessible, tax-free income for the rest of her life.
$1.2M tax-free death benefit for her children — plus lifetime income she controls.
The stories above are sample use cases created for illustrative purposes to show how IUL could benefit solo business owners. They do not represent actual client results. Individual outcomes vary based on personal circumstances, policy structure, and market conditions.
How It Works
Three simple steps to your lifestyle by design.
Fund Your Policy with Business Dollars
We structure your IUL premium payments using your surplus business cash flow. Contributions are designed to stay within IRS guidelines to maximize tax-free growth while keeping the policy tax-advantaged.
Grow Tax-Free with Market Protection
Your cash value grows based on a market index, but with a 0% floor. You participate in the upside without ever losing principal to market downturns. No contribution limits like a 401(k) or IRA.
Access Tax-Free Income When You're Ready
When you retire, take tax-free policy loans to fund your lifestyle. Borrow for business growth anytime. And when you pass, the tax-free death benefit goes directly to your heirs. You stay in control every step of the way.
Is This Strategy Right for You?
The PrimusMax Income strategy is designed for:
Solo Business Owners ($100K+)
You've built a profitable solo practice and want to keep more of what you earn, tax-efficiently.
Pre-Retirees (45-65)
You're 5-15 years from retirement and want to build a tax-free income stream to supplement Social Security.
Business Owners Who Need Liquidity
You want access to capital for business growth without banks or loan applications.
Legacy-Minded Owners
You want to pass wealth to your family tax-free, without probate or complex estate structures.
Why IUL Outperforms Traditional Plans
The advantages that make the difference for solo business owners.
0% Floor Guarantee
Your principal is protected from market crashes. You get the upside, never the downside.
Tax-Free Income
Policy loan distributions are tax-free. No capital gains, no higher brackets.
Business Funding
Access cash value for growth and opportunities without banks or qualifying.
Legacy Protection
Pass wealth to your heirs tax-free, bypassing probate and estate erosion.
Ready to Get Started?
Design Your Retirement Lifestyle
Stop letting IRS limits and market volatility dictate your future. Take the first step toward tax-free retirement income, business funding, and a legacy for your family. Schedule your complimentary PrimusMax Checkup today.