What is the Accelerated Retirement Program?
A smarter path to retirement
The Accelerated Retirement Program combines personalized financial planning, tax-efficient strategies, and ongoing advisory support to help qualified clients build lasting wealth — and retire on their own terms.
Personalized strategy
Every plan is built around your unique income, assets, goals, and timeline — no generic templates.
Tax-efficient growth
We identify strategies to minimize tax drag and maximize how much of your money works for you.
Ongoing guidance
Your advisor stays with you every step of the way — adjusting your plan as life changes.
The Process
How does it work?
Take the following example for a male in the 40-55 age range: Click any step to see the full breakdown.
Click any step to see the full breakdown
* Example illustration only, based on a hypothetical 55-year-old healthy male, non-smoker, with a $1,000,000 after-tax portfolio. IUL figures reflect a non-guaranteed illustration with an initial death benefit of $717,259, $65,500/yr premium for 10 years, and a 5.50% non-guaranteed illustrated crediting rate. Annual income of $75,000 represents the carrier-illustrated maximum indexed loan distribution from ages 66–90. This is a hypothetical illustration only and not a guarantee of future performance or an offer to sell insurance or securities. Actual results will vary. Non-guaranteed values are subject to change. The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased; before implementing a strategy involving life insurance, it would be prudent to confirm insurability by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance — policies commonly carry mortality and expense charges, and if a policy is surrendered prematurely, there may be surrender charges and income tax implications.
Tax Equivalent Yield Calculator
See how your tax-free income from ARP compares to what a taxable account would need to earn to match it — based on your tax bracket.
Tax-Free Income
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Per year
Taxable Equivalent
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Needed to match
Lifetime Tax Savings
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Estimated total
40-55
Age 40-55
Portfolio Growth + Fund IUL
65
Age 65
Draw Tax-Free Income
73
Age 73
Supplemental RMD's + Roth Conversion
90
Age 90
Tax-Efficient Estate Transfer
How it works
Your path to the Accelerated Retirement Program
Getting started is simple. Here's what to expect from our four-step process.
Submit your information
Complete our short intake form with your financial and personal details. Takes less than 5 minutes.
Qualification review
Our team reviews your submission to confirm you meet the criteria for the Accelerated Retirement Program. You'll hear back from us promptly.
Introductory interview
A qualified advisor will reach out to schedule a no-obligation introductory call to learn more about your goals and circumstances.
Your personalized plan
We build and present your custom accelerated retirement roadmap — and then we get straight to work implementing it.
FAQs
Common questions
Everything you need to know about the Accelerated Retirement Program before getting started.
What does "accelerated retirement" actually mean?
Accelerated retirement means gaining access to meaningful retirement income sooner than traditional strategies allow. Rather than waiting until age 65 or 70 to begin distributions, ARP is structured to allow qualified investors to begin receiving income earlier, depending on their specific situation and goals.
Who qualifies for the Accelerated Retirement Program?
The Accelerated Retirement Program is designed for individuals who meet certain income and net worth thresholds. We look at a range of factors during the qualification review. ARP is designed for investors who are typically 40 to 55 years of age, who have a dedicated after-tax portfolio. Submit your intake form and our team will determine if you're a fit.
Is there a cost to apply?
There is absolutely no cost to apply or to have an introductory conversation with one of our advisors. Advisory fees are discussed openly and transparently only if you choose to move forward with a personalized plan.
How long does it take to see results?
Every situation is different and timelines vary. Some clients begin seeing meaningful improvements in their financial trajectory and retire comfortably in 3-5 years, while other plans take longer to execute. Your advisor will set realistic expectations based on your specific situation and goals.
What information do I need to provide?
We ask for basic personal and contact details, your employment status, annual income range, net worth range, and your approximate federal tax bracket. This helps us assess whether the Accelerated Retirement Program is a strong fit for your situation.
How is ARP different from a traditional retirement plan?
Most retirement plans were designed around one idea — defer your taxes now, pay them later. The problem is "later" eventually arrives, and every dollar you pull from a 401(k) or IRA gets taxed as ordinary income right when you need it most. ARP is designed differently. By pairing a disciplined investment portfolio with a strategically funded life insurance policy, we create a tax-free income stream that runs parallel to your traditional savings — one that can start earlier, last longer, and never hand a bill to the IRS. The result is more control over when you retire, how much you take, and what you leave behind.
Can ARP be used alongside my existing 401(k) or IRA?
Yes. ARP is designed to complement your existing retirement accounts, not replace them. In fact, having a tax-free income source through ARP alongside tax-deferred accounts like a 401(k) provides valuable tax diversification in retirement.
What happens if my goals or financial situation changes?
Life changes and your plan should too. If your goals, income needs, or financial situation change, your advisor will work with you to adjust your strategy accordingly. ARP is designed to be flexible and can be adapted as your circumstances evolve.
