As a high-earning physician, you've dedicated decades to mastering your craft and building your practice. But when it comes to retirement planning, many medical professionals face a troubling reality: late starts, crushing tax burdens, and volatile markets that threaten the financial security you've worked so hard to achieve. There's a better way forward—one that combines significant tax savings with contractual guarantees.
Introducing the Fully Insured Retirement Plan: Your Guaranteed Wealth Solution
The Fully Insured Retirement Plan is an IRS-approved defined benefit plan that offers something revolutionary: guaranteed retirement income combined with substantial life insurance coverage, all funded with 100% tax-deductible contributions.
100% Guaranteed Benefits
Every dollar of your retirement benefit is contractually guaranteed by the insurance carrier. No market risk. No portfolio volatility. No sleepless nights wondering if your retirement is secure. The benefits are mathematically certain and legally binding.
IRS-Approved Structure
Authorized under Internal Revenue Code Section 412(e)(3), these plans meet the highest standards of compliance and regulatory scrutiny. They've been used by thousands of business owners and professionals for decades as the ultimate safe harbor for retirement wealth.
Predictable Accumulation
Unlike 401(k) statements that fluctuate wildly, your fully insured retirement plan provides absolute certainty. You know exactly what you're contributing, exactly how it's growing, and exactly what you'll receive at retirement—down to the penny.
Massive Tax Savings That Transform Your Bottom Line
The fully insured retirement plan delivers tax benefits so powerful they fundamentally transform your practice's economics. Every dollar contributed is 100% tax-deductible as a business expense—just like payroll or equipment purchases. But unlike those expenses, these contributions are building your guaranteed retirement wealth while simultaneously slashing your tax bill.
For physicians in the highest tax brackets, this creates an immediate return on investment that no market-based strategy can match. Consider a surgeon in California paying combined federal and state taxes of 50%. Every $250,000 contributed to a 412(e)(3) plan generates $125,000 in tax savings—a guaranteed 50% return before any growth occurs. You're essentially building retirement wealth at a 50% discount, using money that would have otherwise gone to the IRS.
More Than Retirement, A Complete Wealth Strategy
The fully insured retirement plan isn't just another retirement account. It's a comprehensive approach to converting taxable income into tax-free wealth while simultaneously protecting your family, practice, and legacy.
The Power of Leveraging Tax Planning With Wealth Planning
Our retirement plan designs give business owners the ability to slash their tax bill by $100,000 to $200,000+ annually. For individuals in the highest tax brackets, this means keeping significantly more of what you earn while simultaneously building retirement wealth.
Retirement Savings
Increased by $250,000 annually
Taxable Income
Decreased by $250,000 annually
Tax Savings
Increased by $100,000 annually
Next Steps
1. Schedule a Strategy Call
We’ll review your goals, income, and tax situation to see if a custom retirement plan is the right fit
2. Receive Your Personalized Plan Design
We show exactly how much you can contribute and how much you can save in taxes
3. Implement Your Plan with Confidence
Our team handles the details from setup to administration and annual compliance