INTERNAL VALUE CALCULATOR™

See the Real Return Required to Match a Tax-Free Strategy

Most people compare financial tools the wrong way. They look at surface-level returns and completely ignore the real drag on their wealth - taxes, volatility, and ongoing fees. That's the difference between people who go to retirement... and those who go through retirement.

This calculator exposes the truth — not the brochure version, not the "average returns" Wall Street sells you, but the actual rate of return you would need every single year, without a down year, to match what a properly structured, tax-free policy can deliver.

The Urgency No One Talks About

Every year you delay building your Bridge Strategy™:

IRS liability compounds.
Future tax brackets become more unpredictable
Volatility risk increases.
Required gross returns get harder to achieve.
Your window to maximize tax-free accumulation shrinks.

You don’t get those years back. And the compounding you lose early is the compounding that matters most. There is no “wait and see” strategy. Waiting is the strategy — it just happens to be the most expensive one.

Why This Calculator Actually Matters

A tax-free policy isn’t meant to beat the market. It’s designed to beat taxation, volatility, liquidity traps, and sequence-of-return risk. It’s a different game.

While most people are trying to “win” with the highest return, affluent families, entrepreneurs, and the financially intentional are focused on this instead:

Control of Capital

Access and redeploy cash without blowing up compounding or triggering taxable events.

Protection & Stability

Guard against market crashes, sequence risk, and forced withdrawals at the wrong time.

Tax-Free Trajectory

Use IRS-approved strategies to grow and distribute cash flow with powerful tax advantages.

What This Calculator Reveals

When you slide the numbers — Cash IRR, Tax Rate, Management Fees — you quickly realize something:

To match a stable, compounding, tax-free 5–8% IRR, you’d often need double or triple that return in a taxable account. Every. Single. Year. Without. A. Down. Year.

That’s not realistic for most families. But a properly designed policy is. This is why you’re here. And this is why the Bridge Strategy™ exists.

Internal Rate of Return Calculator

Compare a tax-free policy IRR to a taxable account. Adjust the sliders to see the required gross return (after taxes and fees) needed to match your policy.

Cash IRR:

6.0%

Tax Rate:

22%

Mgmt Fee:

1.0%

REQUIRED GROSS RETURN IN TAXABLE ACCOUNT

0.00%

See My Tax-Smart Bridge Strategy

For a tax-free 6.0% inside a properly structured policy, you’d need to earn about 0.00% every year in a taxable account after a 22% tax rate and 1.0% fee — without a down year.

Your Next Step: Turn Required Return Into Real Strategy

You’ve now seen the math. You’ve seen the gap. And you’ve seen what it would actually take to go through retirement — not just to it.

Your next move is simple: Request your custom Bridge Design Call.

We’ll map your tax exposure and existing retirement buckets.
Run your IRR scenarios and stress-test against fees, taxes, and volatility.
Show you the exact structure top producers, executives, and sophisticated families use to protect future income from taxes, volatility, and sequence risk.