What Roth IRA Limits Really Mean for High Earners

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This video compares Indexed Universal Life (IUL) and Roth IRAs, showing how IRS Code 7702 impacts tax-free growth, access, contribution limits, and legacy planning for high earners.

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IUL vs Roth IRA: The Truth About Tax-Free Retirement

You’ve done everything right.
You maxed out your Roth. You stacked your 401(k). You built six figures in the market.

But here’s what most people never get told: the IRS is still your silent business partner — and every year, their share gets bigger.

In this video, we put two “tax-free” strategies head-to-head: Indexed Universal Life (IUL) vs Roth IRA. Because one quietly limits your future flexibility… and the other can help you legally reduce the IRS’s role in your retirement plan.

I break down how each strategy actually works for high-income professionals, where Roth IRAs fall short as income grows, and how IRS Code 7702 allows properly structured IULs to create tax-free income, flexible access, and long-term legacy protection.

You’ll see real numbers, real rules, and real tradeoffs — without hype or sales talk.

What You’ll Learn:
How IRS Code 7702 enables tax-free growth and access
Why IULs remove Roth contribution and income limits
How to access money at any age with no penalties or RMDs
IUL vs Roth IRA: side-by-side comparison with real numbers
Why high earners use IULs for tax-free income and legacy planning
How policy loans let cash keep compounding while you use it
The built-in death benefit that creates a tax-free inheritance

Whether you’re a doctor, attorney, tech executive, or entrepreneur earning $150K+, this breakdown shows why the top 1% don’t wait for Congress to change the rules — they structure around them.

Since 2017, Robert Balgac and Black Swan Insurance Group have helped 20,000+ families design tax-efficient wealth strategies, earning 850+ five-star Google reviews.

⏱ TIMESTAMPS / CHAPTERS

0:00 – IUL vs Roth IRA overview
0:42 – Meet Dr. Emily: high income, high taxes
1:12 – Roth IRA limitations for high earners
2:00 – The alternative: Indexed Universal Life
2:45 – How an IUL actually works
3:30 – Policy loans vs Roth withdrawals
4:15 – Contribution caps vs IUL flexibility
5:00 – Legality, misconceptions, and access
5:45 – Legacy planning with IULs
6:15 – Recap: why the top 1% use IULs
6:30 – Building your Tax-Free Wealth Blueprint

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Disclaimer:
This video is for educational purposes only and does not constitute financial, tax, or legal advice. Indexed Universal Life (IUL) insurance is a life insurance product, not an investment. Results vary by individual circumstances, carrier, and policy design. Always consult a licensed advisor and tax professional before making financial decisions. Hypothetical examples are not guarantees of future performance.