This is the core of the Bridge Strategy™. We take a tax-forward, future-rate–aware approach and ask: How much of your retirement income can we move into the tax-free world using properly structured IUL? You’ll see how reallocating a portion of your 401(k), IRA, or brokerage dollars can help build a Bridge Account™ that grows when the market rises, never loses to a crash, and can pay out tax-advantaged income when designed correctly.

• Understand how §§ 72(e), 7702, and 101(a) govern growth, access, and tax-free death benefit.
• Compare “tax-later” vs tax-favored strategies using simple, real-world case studies.
• Learn how funding windows, MEC testing, and policy design impact long-term income.
• See how to coordinate IUL with Roths and existing tax-deferred accounts — not replace everything blindly.

If you’re a business owner, your “retirement account” is often tied up in your company. The Bridge Strategy™ can coordinate with your CPA and Tax Force to turn a liquidity event or gradual exit into structured, tax-favored income — instead of a one-time taxable spike.

• Explore how buy-sell funding and key-person coverage can be built on a Bridge chassis.
• Learn ways owners use IUL for golden handcuff / executive retention strategies.
• See how a business sale can be partially redirected into a Bridge Account™ for long-term tax-favored income.
• Coordinate entity tax planning with Tax Force so your exit and your income plan work together.

Not every life insurance policy is a Bridge Account™ — and not every IUL was designed well. This module walks through how we audit existing contracts, look for hidden risks, and, when appropriate, rebuild your strategy using modern design, better carriers, and a clear funding plan.

• Review in-force illustrations to see if your policy is on track, under-funded, or at risk of lapse.
• Compare keep-as-is, 1035 exchange, or new-design options based on your goals and tax picture.
• Stress-test policies under updated assumptions, caps, and cost-of-insurance changes.
• Build an annual review process so you know how your policy is actually performing — not just what was promised.