Reduce the impact of income taxes and eliminate contribution limits.  Run your own personalized scenario to see the impact on your personal retirement planning objectives.  

For over 4 decades, JR KATZ has remained at the forefront of the industry, transforming the way insurance is viewed and used. We provide a wide range of insurance anchored solutions and leverage our partnerships to perpetuate wealth and deliver innovative corporate and executive benefit solutions.

The Problem


Tax-free compounding is fundamental to maximizing retirement wealth, but traditional non-taxable accounts, such as 401(k)s and Roth IRAs, have significant contribution limits.


  • 401k annual contributions are limited to $19.5k 

  • Roth IRA annual contributions are limited to $6k

  • Couples earning over $206k are not allowed to contribute to a Roth IRA  

The Solution


The Private Retirement Plan is a non-taxable structure and can produce significantly more retirement wealth compared to  a taxable account 


  • Values accumulate tax-deferred 

  • Investment allocation can be customized 

  • Appreciated assets can be reallocated without tax

  • Funds can be withdrawn without a taxable event

  • Accumulated value is income tax-free upon death

  • Can be structured to avoid estate taxes

How does the Private Retirement Plan compare to a Taxable Account?


  • Male, Age 45

  • Annual Funding: $30,000 to Age 65

  • Annual Retirement Net Income: $220,000 Beginning @ Age 72

  • Death Benefit @ Age 92

  • Taxable Account Effective Tax Rate on Growth: See Chart

  • Taxable Account Effective Tax Rate on Withdrawals: See Chart

  • Net Rate of Return:  7%


Receive Your Report

Compare your long term taxable savings/ taxable retirement account to the Private Retirement Plan
Enter your information and our team will prepare and send you a sample report within 3 business days. 

Background Information




Tax Assumptions

Net Rate of Return

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Securities offered through Lion Street Financial, LLC (512.776.8400), member FINRA, SIPC. Investment advisory products and services offered through Lion Street Advisors, LLC, an investment advisor registered with the SEC. Lion Street Financial, LLC and Lion Street Advisors, LLC are affiliated companies and do not provide tax or legal advice. Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed.