Скачать или смотреть IUL vs 401k: The Hidden Tax Risk Every Entrepreneur Must Avoid

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This video explains why tax-deferred 401(k)s create hidden timing risk for entrepreneurs—and how IRS §7702 structures prioritize liquidity, control, and tax-advantaged income instead.

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Why a 401(k) Can Become a Tax Trap for Entrepreneurs

Most entrepreneurs are told the same thing about retirement money:

“Open a 401(k). Defer taxes. Worry about it later.”

What no one explains is what happens when “later” arrives at the worst possible time.

In this episode, I break down the hidden tax and timing risk inside traditional 401(k) plans — especially for business owners with:
Irregular income
Volatile cash flow
Uncertain exit timelines

You’ll see why a 401(k) is effectively a joint account with the IRS, how tax deferral quietly turns into tax exposure, and why timing risk matters more than average returns for entrepreneurs.

Then we contrast that structure with a properly designed, max-funded Indexed Universal Life (IUL) — built under IRS §7702 — not as an investment, but as a liquidity-first, tax-advantaged wealth structure.

This isn’t about chasing returns.
It’s about avoiding the moment when markets, taxes, and life collide.

What You’ll Learn:
Why tax deferral does not equal tax savings
How Required Minimum Distributions (RMDs) force income you may not want
Why entrepreneurs often retire into higher tax brackets, not lower
How market corrections + taxes compound timing risk
What IRS §7702 and §7702A actually allow — and prohibit
Why liquidity and control matter more than paper returns
How structure replaces hope with math

If you’re a business owner who wants a plan that works during disruption, not just during ideal conditions, this breakdown gives you the framework most advisors never discuss.

⏱ TIMESTAMPS / CHAPTERS

0:00 – Your 401(k) isn’t fully yours
0:45 – The IRS partnership problem
1:15 – The entrepreneur story begins
2:45 – Why deferral becomes exposure
3:30 – Why tax timing beats returns
4:45 – When markets drop first
6:00 – The structural alternative
7:30 – Liquidity during disruption
8:15 – Same money, different ending

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Disclaimer:
This video is for educational purposes only and does not constitute financial, tax, or legal advice. Indexed Universal Life (IUL) insurance is a life insurance product, not an investment. Results vary by individual circumstances, carrier, and policy design. Always consult a licensed advisor and tax professional before making financial decisions. Hypothetical examples are not guarantees of future performance.