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IUL vs Roth IRA: The TRUTH About Tax-Free Retirement

You’ve done everything right. Maxed out your Roth. Stacked your 401(k). Built six figures in the market.

But what no one tells you is this: the IRS is still your silent business partner — and every year, their cut gets bigger.

In this video, we’re putting two strategies head-to-head: IUL vs Roth IRA. Because one quietly limits your future… and the other can help you fire the IRS — legally.

Disclaimer: This video is for educational purposes only and not financial, tax, or legal advice. IULs are life insurance products — not investments. Results vary by person, product, and carrier. Always consult with a licensed advisor and tax professional before making decisions. Hypotheticals are not guarantees of future performance.

Robert Balgac, Founder & CEO of Black Swan Insurance Group (20,000+ families protected since 2017, 750+ 5-star Google reviews), reveals the truth about these two “tax-free” retirement tools. You’ll see how Indexed Universal Life (IUL) works for high-income professionals, why it can outperform a Roth in flexibility, contribution limits, and legacy planning, and how IRS Code 7702 makes it possible to access your money without taxes, penalties, or age restrictions.

✅ How IRS Code 7702 allows tax-free growth and withdrawals
✅ Why IULs beat Roth limits with no $7K cap
✅ How to access your money at any age — no penalties, no RMDs
✅ Side-by-side Roth IRA vs IUL with real numbers
✅ Why the wealthy use IULs for tax-free income and multigenerational wealth transfer
✅ How policy loans let your cash keep compounding while you use it
✅ The built-in death benefit that creates a tax-free inheritance for your family

Whether you’re a doctor, attorney, tech executive, or entrepreneur earning $150K+, this breakdown shows exactly why the top 1% don’t wait for Congress to change the rules — they work around them.

Timestamps & Chapters:
0:00 – IUL vs Roth IRA: Which builds more tax-free wealth?
0:42 – Meet Dr. Emily: High earner, high tax bill
1:12 – The limitations of Roth IRAs for high-income professionals
2:00 – The “new opportunity” — Indexed Universal Life (IUL)
2:45 – How an IUL actually works
3:30 – Policy loans vs Roth withdrawals
4:15 – Contribution caps vs IUL flexibility
5:00 – Objection handling: legality, misconceptions, and access
5:45 – Legacy planning with IULs
6:15 – Recap: Why the top 1% use IULs
6:30 – How to build your own Tax-Free Wealth Blueprint

📅 Book Your Free Tax-Free Wealth Strategy Session — See exactly how this strategy could work for your income, goals, and retirement plan: https://tax-free-wealth-blueprint.com

🤖 Try the IUL Custom GPT — Your personal AI strategist for Indexed Universal Life, available 24/7: https://chatgpt.com/g/g-6826316c1b648...

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