{"id":2721,"date":"2021-11-18T00:18:10","date_gmt":"2021-11-18T00:18:10","guid":{"rendered":"https:\/\/thehudsonagencyla.com\/torrance\/?page_id=2721"},"modified":"2022-01-09T20:57:19","modified_gmt":"2022-01-09T20:57:19","slug":"tax-free-retirement-plans","status":"publish","type":"page","link":"https:\/\/thehudsonagencyla.com\/torrance\/tax-free-retirement-plans\/","title":{"rendered":"Tax-Free Retirement Plans"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.13.1″ _module_preset=”default” background_color=”#005984″ custom_padding=”0px||0px||false|false” global_module=”2147″ saved_tabs=”all” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.9.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.9.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_post_title meta=”off” featured_image=”off” text_color=”light” _builder_version=”4.9.7″ _module_preset=”default” title_font=”|700|||||||” title_text_align=”center” text_orientation=”center” global_colors_info=”{}”][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” module_id=”contactPop” _builder_version=”4.13.1″ _module_preset=”default” background_color=”#DD1944″ background_enable_image=”off” background_position=”top_left” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”10px||0px||false|false” global_module=”2141″ saved_tabs=”all” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_row make_equal=”on” _builder_version=”4.10.7″ _module_preset=”default” width=”90%” max_width=”750px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.8.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_cta title=”Call Now! (818) 284-5434<\/a>” button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjIxNyJ9fQ==@” button_text=”Contact Us” module_id=”cta_calendly” _builder_version=”4.14.2″ _dynamic_attributes=”button_url” _module_preset=”default” header_level=”h4″ header_font=”|600|||||||” header_font_size=”42px” background_enable_color=”off” custom_button=”on” button_alignment=”right” button_custom_padding=”10px|38px|10px|35px|true|false” text_orientation=”left” custom_padding=”0px|0px|0px|0px|false|false” link_option_url_new_window=”on” header_line_height_tablet=”1.3em” header_line_height_phone=”” header_line_height_last_edited=”on|tablet” button_alignment_tablet=”center” button_alignment_phone=”center” button_alignment_last_edited=”on|tablet” text_orientation_tablet=”center” text_orientation_phone=”” text_orientation_last_edited=”on|tablet” custom_css_promo_description=”float:left;||display: flex;||align-items: center;||justify-content: center;||flex-direction: column;||min-height:50px;||padding-bottom:0;” custom_css_promo_button=”width:100%;||max-width:200px;||float:right;||text-align:center;||min-height:40px;||padding: 0px;” global_colors_info=”{}” custom_css_promo_description_last_edited=”on|desktop” custom_css_promo_description_tablet=”float:none;” custom_css_promo_button_last_edited=”on|tablet” custom_css_promo_button_tablet=”float:none;padding:0;” button_bg_color__hover_enabled=”off|hover” button_bg_color__hover=”#EF8D30″ button_bg_enable_color__hover=”on” custom_css_promo_description_phone=”float:none;” custom_css_promo_button_phone=”float:none;padding:0;”][\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.13.1″ custom_padding=”||||true|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.13.1″ width_tablet=”90%” width_phone=”90%” width_last_edited=”off|tablet” max_width_tablet=”90%” max_width_phone=”90%” max_width_last_edited=”off|tablet” custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”3.25.3″ global_colors_info=”{}”][et_pb_text _builder_version=”4.14.5″ header_line_height=”1.2em” header_2_font=”||||||||” header_2_line_height=”1.2em” custom_margin=”||10px||false|false” custom_margin_phone=”-28px||” custom_margin_last_edited=”off|tablet” hover_enabled=”0″ header_font_size_phone=”25px” header_font_size_last_edited=”off|desktop” global_colors_info=”{}” header_font_size__hover_enabled=”off|desktop” sticky_enabled=”0″]<\/p>\n

At Hudson Agency in Torrance, California our tax-free retirement plans are easy to understand, and we make it even easier with the assistance of our knowledgeable and competent team.<\/strong><\/p>\n

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What Is a Tax-Free Retirement Plan?<\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”]Life insurance policies such as Participating Whole Life insurance and Indexed Universal Life (IUL) insurance policies are examples of ways to put together a tax-free retirement plan.<\/p>\n

The payments that you put in go into a \u201ccash-value\u201d account and are identified by the IRS as insurance premiums under tax code 7702 so that they aren\u2019t a taxable income even on gains from interest.[\/et_pb_text][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” custom_margin=”||10px||false|false” global_colors_info=”{}”]<\/p>\n

Participating Whole Life Insurance Policies vs. Indexed Universal Life Insurance Policies<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.14.5″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

The Participating Whole Life insurance policy has a guaranteed interest rate, plus any dividends paid by the carrier.<\/p>\n

The IUL has a minimum (to prevent loss) and a maximum interest rate that can be earned relative to an index such as the S+P 500 or Barclay\u2019s trailblazer sector 5 indices.<\/p>\n

The cash value can be taken out as a \u201cloan\u201d against your policy and still earn interest from \u201cDirect Loan Recognition,\u201d which basically means that you earn interest on the money you withdraw and the money that you leave in your cash-value account. You are not obligated to pay the loan back since it is against your own cash value.<\/p>\n

For these reasons illustrated above, most IULs will earn a lot more compounded interest and growth than any 401k, and avoid all the risk of being directly in the stock market.<\/p>\n

For a consultation to see if you qualify for a tax-free retirement plan or if you\u2019d like to learn the short-term and long-term advantages of starting a tax-free retirement plan, call us at Hudson Agency in Torrance, California to set up an appointment with one of our tax-free retirement specialists!<\/p>\n

[\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI1ODIifX0=@” button_text=”Book an Appointment” button_alignment=”left” _builder_version=”4.13.1″ _dynamic_attributes=”button_url” _module_preset=”default” custom_margin=”30px||||false|false” custom_padding=”16px|35px|15px|35px|false|true” button_bg_color_last_edited=”off|desktop” locked=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#FFFFFF” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#00224f” button_bg_enable_color__hover=”on” button_border_color__hover_enabled=”on|hover” button_border_color__hover=”#00224f” button_letter_spacing__hover_enabled=”on|desktop” button_letter_spacing__hover=”0px”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25.3″ global_colors_info=”{}”][et_pb_image src=”https:\/\/thehudsonagencyla.com\/torrance\/wp-content\/uploads\/2021\/11\/TaxFreeRetirementlans-500×600.jpg” title_text=”TaxFreeRetirementlans” force_fullwidth=”on” _builder_version=”4.13.1″ animation_direction=”left” border_radii=”on|5px|5px|5px|5px” border_width_all=”15px” border_color_all=”#eeeeee” global_colors_info=”{}”][\/et_pb_image][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjIxNyJ9fQ==@” button_text=”Contact us for a quote today!” button_alignment=”center” _builder_version=”4.13.1″ _dynamic_attributes=”button_url” _module_preset=”default” custom_margin=”30px||||false|false” custom_padding=”16px|35px|15px|35px|false|true” button_bg_color_last_edited=”off|desktop” locked=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#FFFFFF” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#00224f” button_bg_enable_color__hover=”on” button_border_color__hover_enabled=”on|hover” button_border_color__hover=”#00224f” button_letter_spacing__hover_enabled=”on|desktop” button_letter_spacing__hover=”0px”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

At Hudson Agency in Torrance, California our tax-free retirement plans are easy to understand, and we make it even easier with the assistance of our knowledgeable and competent team.What Is a Tax-Free Retirement Plan?Life insurance policies such as Participating Whole Life insurance and Indexed Universal Life (IUL) insurance policies are examples of ways to put […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":8,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-2721","page","type-page","status-publish","hentry"],"yoast_head":"\nTax-Free Retirement Plans - The Hudson Insurance Agency | Torrance, California<\/title>\n<meta name=\"description\" content=\"At Hudson Agency in Torrance, California we offer tax-free retirement plans, such as Participating Whole Life Insurance and IUL Insurance policies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thehudsonagencyla.com\/torrance\/tax-free-retirement-plans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tax-Free Retirement Plans - 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