The TFRA Program
A Path To Earning 30-40 Times More Interest
What is a TFRA?
(Tax-Free Retirement Account)
An account is considered tax-free if there is no federal or state tax due on income earned in the account both when: (1) income is earned and (2) when it is distributed or withdrawn. Through these types of accounts, you can invest and grow money without owing future taxes on that growth -- even when you withdraw the funds to spend.
Why hasn’t my financial advisor ever told me about this?
Reason 1: Most financial advisors don’t know accounts like TFRAs exist - nor, how to structure one to be legally tax-free for the account holder.
Reason 2: Most financial advisors recommend financial vehicles their company tells them to recommend.
And as a result, less than 0.07% of Americans have what I call a tax-free "TFRA" account — while more than half the population has a taxable 401(k) or similar tax-deferred retirement account.
With a Tax-Defered 401(k) or IRA...
You have to pay taxes (upfront or at the end—either way you will be taxed heavily)
Your money is not liquid (you can’t access your money any time you want, and if you do, you’re fiscally penalized)
You are limited to how much you invest (plans with most tax benefits have funding limits).
Your money is not guaranteed (the money in your 401(k) or IRA soars with the market, and goes down with the market).
You are required to report your earnings to the IRS (everything in a 401(k) or IRA is, Uncle Sam’s business.).
With a Tax-Free TFRA Account...
You never pay taxes on growth, Ever. ( This is 100% legal if your TFRA is set up to be compliant with current IRS tax-code.)
You can deposit as much as you want. (No contribution limits - every cent in grows tax-free)
You never report income to the IRS, Ever. (The IRS doesn’t classify “income” as “income” inside this kind of account)
Your growth is guaranteed. (When TFRAs are opened, growth is set & guaranteed for 1 year - last year, qualified individuals earned between 3-7%)
Your money is 100% liquid. (Money deposited & earned can be cashed out any time - without penalty - again tax-free because it’s not “income” )