Where Retirement Plans Break Down
Retirement plans can often break down when accumulation lacks proper transition planning, sequence risk strikes near retirement, emotions drive allocation shifts, and income is left unstructured.
The Impact Wealth Strategy
A life insurance policy is structured to optimizing cash value growth while minimizing insurance costs
Design for Growth
The policy is purchased and funded inside the qualified plan using pre-tax contributions
Fund with Pre-Tax Dollars
Once fully funded, after-tax brokerage assets are used to buy the policy out of the plan without triggering taxes
Transfer Ownsership
The personally owned policy can help provide supplemental, tax-efficient retirement income
Generate Tax-Efficient Income
How Impact Wealth Enables It
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Disciplined investment methodology
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Risk-aware allocation
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Purpose‑built portfolio models for insurance‑based strategies
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Tax‑advantaged accumulation sequencing
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Accumulation-focused options
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Defined outcomes for growth, income, and legacy planning
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Customization for transitioning portfolios
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Tax-aware flexibility
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Coordinated investment and insurance strategy design
Pre-retirees and retirees with large pre-tax account balance
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Net worth is $4 million+ with at least $1 million assets in a retirement plan(s)
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High‑income professionals in peak earning years, typically age 40+
Holds an equal amount of assets outside the qualified plan
(ideally, cash or high-basis stock) that can be liquidated within the
next 2-5 years
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