🎙️ The Roth Accelerator: Turning Tax Drag into Tax-Free Growth

Описание: In this eye-opening episode of The Lyon Share Podcast, host Ed Lyon sits down with financial strategist Greg Pearson, creator of the Roth Accelerator Program. Together they reveal how to convert taxable retirement accounts into lifetime, tax-free income streams—without getting crushed by conversion taxes.

You’ll discover why “kicking the tax can down the road” can devastate your retirement, how inflation and future tax hikes could eat away your savings, and how Greg’s three-phase Roth Accelerator strategy moves assets from tax jail into tax-free for-life accounts.

Whether you’re a business owner, professional, or high-income earner worried about retirement taxes, this episode shows how to create sustainable income, eliminate red-market-day risk, and leave a larger legacy—legally, ethically, and efficiently.

🔑 Key Takeaways

The Roth Accelerator Explained: A three-phase process that transitions pre-tax assets to tax-free life-insurance-backed vehicles.

Defusing Tax Time Bombs: How staged Roth conversions and strategic credits can minimize or eliminate the tax bill on conversions.

Life Insurance as a Tool: Why max-funded §7702 plans act like unlimited Roth IRAs—tax-free growth, tax-free access, and tax-free legacy.

Compound Interest vs. Tax Drag: The “penny-a-day” story proves how taxes quietly destroy exponential growth.

The Borrow-and-Die Strategy Democratized: How the wealthy leverage assets tax-free—and how middle-America can too.

No More Red Days: Properly structured cash-value policies eliminate market-loss risk while producing lifetime, tax-free income.

Family-Office Thinking for Everyone: Coordinating tax, investment, and insurance planning as one unified strategy.

⏱️ Timestamps (Approx.)

00:00 – Intro with Ed Lyon & Neil Haley
01:20 – Why retirement planning is a tax conversation
02:40 – Greg Pearson introduces the Roth Accelerator
04:00 – Tax-free vs. tax-deferred retirement accounts
06:30 – The penny-a-day lesson on tax drag
09:00 – Inflation & the coming tax crunch
12:00 – Three-phase conversion strategy explained
18:00 – Using life insurance as a tax-free retirement engine
24:00 – How to offset tax on conversions legally
30:00 – “Buy, Borrow & Die” for every investor
35:00 – Life insurance ROI vs. market returns
40:00 – The 4% rule myth & no-red-day retirement
48:00 – Why even financial advisors miss this strategy
55:00 – How to calculate your own Roth Accelerator scenario
57:00 – Where to learn more & schedule a consultation

📌 Memorable Quotes

“The money in your retirement account isn’t all yours — you have a partner named Uncle Sam.”

“Compound interest is the eighth wonder of the world; taxes are its kryptonite.”

“Why not take your money off the IRS’s table and put it to work for you?”

“Roth conversion done wrong is tax suicide — done right, it’s financial freedom.”

“The borrow-and-die strategy isn’t just for billionaires anymore.”

🧮 Strategies Discussed

Staged Roth IRA Conversions

§7702 Max-Funded Life-Insurance Plans

Tax-Credit Offset Planning via the Tax Strategy Center

Medical Expense Reimbursement Plans (MERPs)

Cost-Segregation & Depreciation Tactics for Tax Reduction

Legacy & Estate Transfer Using Life-Insurance Assets

👤 About the Guests

Ed Lyon is a nationally recognized tax strategist and educator who has trained thousands of CPAs and advisors to deliver proactive, results-driven tax planning.
Greg Pearson is the founder of the Roth Accelerator Program and a specialist in advanced retirement income design using tax-efficient life-insurance and wealth transfer strategies.

📲 Connect & Subscribe

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Learn more or schedule a consult: www.ExcelEmpire.com/Roth-Accelerator