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Bridge Strategy™ Tool

Compare Tax-Deferred 401(k) vs. Tax-Advantaged IUL

Compare a traditional 401(k) (pre-tax contributions, taxable withdrawals) versus a properly structured IUL Bridge Plan™ (after-tax funding, tax-advantaged access). Includes tax savings today, balance-at-retirement clarity, and a year-by-year retirement drawdown view.

Comparison mode i

Apples-to-apples basis i

401(k) distribution style i

IUL income source i

Quick Inputs

Compare the same gross savings rate in a 401(k) (pre-tax) vs an IUL Bridge Plan™ (after-tax).

Current age i

Retirement age i

Fund until age i Stop new contributions after this age (accounts still grow and can pay income).

Annual savings amount ($) i In “Same gross” mode, this is the pre-tax 401(k) amount; IUL is adjusted down for after-tax.

Employer match (% of your 401(k) contribution) i Match applies only to the 401(k) side.

Total dollars you can save per year ($) i Only used in “Match → IUL” mode. 401(k) gets your selected contribution; extra savings go to IUL (after-tax adjusted).

Current marginal tax rate (%) i Used to estimate: (1) 401(k) tax savings today and (2) after-tax dollars available for IUL.

Tax rate on 401(k) withdrawals (%) i Simple effective rate (not full bracket modeling).

Current 401(k) balance ($) i

Current IUL cash value ($) i

401(k) gross return (%/yr) i Before fees. Use “401(k) all-in fees” below to reduce to a realistic net return.

IUL net crediting (%/yr) i Estimator net crediting (not a carrier illustration).

Reality checks (reduces “marketing math”) i

401(k) all-in fees (%/yr) i Reduces the 401(k) return: net = gross − fees (simple proxy).

Inflation (%/yr) i Used only if you enable “Show results in today’s dollars.”

Display values i Switching to “today’s dollars” discounts future values back to your current age.

Reinvest 401(k) tax savings? i If you don’t invest the tax savings, you don’t get to count it.

401(k) withdrawal rate (% of balance) i Used when Fixed % withdrawals is selected.

IUL modeled income tap (% of value) i Used when Modeled (tap %) is selected.

Model income until age i We’ll simulate withdrawals each year until this age.

Balance shown at retirement i 401(k) balances are pre-tax. IUL cash value is modeled cash value.

Educational estimator only. Not a guarantee and not a replacement for a carrier illustration, plan document, or individualized tax/legal/investment advice.

Starting point Choose a mode, adjust assumptions, and run the comparison to see balances, taxes, and year-by-year retirement drawdown.

Projected Balance at Retirement (Age —) i

401(k) balance (pre-tax)

Estimated after-tax value (if liquidated at retirement) $0

IUL cash value

IUL income source Modeled

Display basis Nominal (future $)

Modeled Annual Income (Start of Retirement) i

401(k) income (pre-tax) $0

401(k) income (after tax) $0

IUL Bridge Plan™ income (tax-advantaged) $0

Tax savings reinvested value @ retirement $0

Income Duration & Remaining Value i

401(k) full income expected through –

IUL full income expected through –

401(k) balance at end age $0

IUL value at end age $0

Tax Savings Today (Contribution Perspective) i

Estimated annual tax savings from 401(k) contributions $0

Estimated total tax savings (during funding years) $0

After-tax dollars available for IUL (this basis) $0

If you don’t invest the tax savings, you don’t get to count it.

Lifetime Taxes & Combined Income i

Total taxes paid on 401(k) income $0

Total after-tax income from 401(k) $0

Total tax-advantaged income from IUL $0

Combined retirement income (401(k) + IUL) $0

Funding Summary (What Actually Went Where) i

401(k) funded years –

IUL funded years –

Total employer match (401(k) only) $0

Modeled income years –

Income Comparison

Income tab shows total modeled retirement income — 401(k) after tax vs. IUL Bridge Plan™ tax-advantaged income.

Year-by-Year Retirement Drawdown i

Shows withdrawals, taxes, net spendable income, and declining balances from retirement through your end age.

Age	401(k) Gross W/D i	401(k) Tax i	401(k) Net i	401(k) End Bal i	IUL Income i	IUL End Value i
Run the calculator to populate this table.

Key Assumptions & Totals

	401(k)	IUL Bridge Plan™
Years funded (until age stop)	–	–
Total contributions (you)	$0	$0
Total employer match	$0	—
Modeled income years	–	–

401(k) balances are pre-tax and withdrawals are modeled as taxable income. IUL values and “income” are modeled as tax-advantaged access from a properly structured life-insurance contract designed to avoid MEC status and remain in force. If you enable “Use illustration numbers,” the IUL side becomes an input-driven display based on the illustration figures entered. This estimator is not a guarantee and not a replacement for a carrier illustration. Fee and inflation inputs are simplified proxies meant to reduce “marketing math.”