Income Strategy

High Earner Retirement Strategy - Tax-Free Income Above $200K

Tax-free retirement strategies tailored for High Earners ($200K+). Income range: $200,000+.

Retirement Landscape for High Earners ($200K+)

Phase out of Roth IRA direct contributions. Limited benefit from traditional IRA deductions. Subject to 3.8% Net Investment Income Tax (NIIT). Higher Medicare premiums (IRMAA) which can add $2,000-$6,000+ per year. Top federal marginal rates of 32-37%.

Common Retirement Challenges

Challenges that High Earners ($200K+) typically face

How IUL Solves These Problems

IUL has no income limits for contributions, no contribution caps (beyond MEC limits), and provides tax-free income through policy loans regardless of income level. For high earners who have maxed out all qualified accounts, IUL offers an additional tax-advantaged vehicle with no ceiling on accumulation.

The Key Advantage: IUL policy loans are not considered taxable income at the state or federal level. This means no IRMAA triggers, no Social Security taxation thresholds crossed, and no impact on means-tested benefits.

Key Strategies for High Earners ($200K+)

Backdoor Roth IRA ($7,000/$8,000 annually)

1 Mega backdoor Roth 401(k) (additional $46,000+)

2 IUL for unlimited tax-free accumulation

3 Municipal bonds for federal tax-free interest income

4 Defined benefit/cash balance plan for additional pre-tax deductions

5 Health Savings Account maximization

Get a Retirement Plan Designed for High Earners ($200K+)

Work with an independent IUL advisor who understands the specific retirement challenges and opportunities for your situation.

Compare IUL Quotes - Free

Free comparison. No obligation. Independent advisors only.