Federal Roth IRA

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The Income Gap Solution

“Enhanced” Roth IRAs Offering Two “Funding Components”

Flexible Premium Deferred Annuity (FPDA) Sold in Conjunction with a Modified Whole Life that offers  up to $1500 per month in Disability Insurance benefits. We Recommend dedicating 50% of the first year “contribution” towards the Annuity and the other 50% to the Modified Whole Life. In year 2 and thereafter, we recommend putting 75% towards the Annuity and 25% to the Modified Whole Life. Component #1
  • Flexible Premium Deferred Annuity
    • Minimum Premium – $15 per month.
    • Maximum Annual Premium – $4,000
    • Guaranteed Interest rate-Typically 1%
    • Current interest rate – Typically 4%
    • Can be classified as a Roth IRA
    • Government Allotment Through payroll
Component #2
  • Modified Whole Life –
    • Minimum premium – $25 per month.
    • Maximum Face Amount – $150,000
    • Two Modifications
    • 1st year life premium modifies after the first year. Premium decreases in half and remains that way for the duration of the plan.  Remaining premium funds the FPDA.
      • Death Benefit face amount modifies at age 65. Face amount decreases in half on anniversary date after proposed insured turns age 65.
    • Builds cash value.

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