Income Strategy

Six-Figure Earner Retirement Strategy - Maximize Tax-Free Savings at $100K-$200K

Tax-free retirement strategies tailored for Six-Figure Earners ($100K-$199K). Income range: $100,000 - $199,999.

Retirement Landscape for Six-Figure Earners ($100K-$199K)

Approaching or at the phase-out range for Roth IRA contributions. In the 22-24% federal tax bracket. IRMAA may apply at higher end of range. High enough income that tax-free strategies provide meaningful benefit, but may still have room for direct Roth contributions.

Common Retirement Challenges

Challenges that Six-Figure Earners ($100K-$199K) typically face

How IUL Solves These Problems

Six-figure earners are in the sweet spot where tax-free strategies provide meaningful tax savings while they still have runway to accumulate. IUL can supplement a maxed-out Roth IRA for additional tax-free retirement income. The 0% floor helps protect accumulated wealth for those 15-25 years from retirement.

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 Six-Figure Earners ($100K-$199K)

Max out Roth 401(k) or Roth IRA if within contribution limits

1 HSA maximization if enrolled in HDHP

2 IUL for additional tax-free accumulation

3 529 plan contributions for education tax advantages

4 Consider Roth conversions in years with lower income

5 Pay down high-interest debt before aggressive retirement contributions

Get a Retirement Plan Designed for Six-Figure Earners ($100K-$199K)

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

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