Eliminate Risk, Fees, and Taxes From Your Retirement — Forever
If you’re 50+, financially established, and serious about retirement — this is the strategy Wall Street won’t tell you about.
Eliminate Risk, Fees, and Taxes From Your Retirement — Forever
If you’re 50+, financially established, and serious about retirement — this is the strategy Wall Street won’t tell you about.
Eliminate Risk, Fees, and Taxes From Your Retirement — Forever
If you’re 50+, financially established, and serious about retirement — this is the strategy Wall Street won’t tell you about.
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About Frank Baumgartner
Cutting Out the Noise, Taxes, and Guesswork in Retirement Planning
I’ve worked in oil, finance, real estate, and insurance — but nothing compares to helping someone realize they can retire without fear.
At 67, I’ve seen what works and what doesn’t. And too many people are still blindly following outdated advice that leaves them overtaxed and underprepared.
I help clients rethink retirement by introducing strategies that remove Uncle Sam from the center of their plan.
No risk, no fees, no taxes — just a clear path to more income, more freedom, and more confidence in the years ahead.
Our Services
Tax-Free Retirement
An Indexed Universal Life (IUL) policy can serve as a powerful tax-free retirement tool. It allows your cash value to grow tax-deferred, linked to market indexes with downside protection, and provides access to tax-free income through properly structured policy loans. Unlike traditional retirement accounts, there are no contribution limits, required minimum distributions, or penalties for accessing funds before age 59½. When designed correctly, an IUL can offer lifelong tax-free income, growth potential, and a built-in death benefit—making it a flexible strategy for retirement and legacy planning
Indexing Strategy
The indexing strategy in an Indexed Universal Life (IUL) policy allows your cash value to grow based on the performance of a market index, such as the S&P 500, without directly investing in the market. This means when the index goes up, your account is credited with interest up to a cap, and when the market goes down, your account is protected by a floor, often 0%. This combination gives you the potential for growth during good market years while shielding your retirement savings from losses in down years—a balance of opportunity and security.
Living Benefits
Many Indexed Universal Life (IUL) policies offer living benefits, which allow policyholders to access a portion of their death benefit while they are still alive if certain conditions occur. These typically include chronic, critical, or terminal illness. For example, if you’re diagnosed with a serious health condition, you may be able to receive an advance on your policy’s death benefit to help cover medical costs, long-term care, or other financial needs. This feature adds an extra layer of protection, ensuring your policy not only supports your loved ones after you’re gone but can also provide valuable support during your lifetime.
Saving For Your Future
Saving for the future doesn’t have to mean taking on big risks, paying hidden fees, or worrying about taxes in retirement. With an Indexed Universal Life (IUL) policy, your money can grow safely with protection from market downturns while still giving you the opportunity for solid returns. Even better, when designed the right way, you can access your cash value tax-free—providing a steady stream of income for retirement without Uncle Sam taking a cut. It’s a smart, safe, and flexible way to protect your wealth and create the retirement you’ve always imagined.
Business Planning
As an entrepreneur, your financial life is closely tied to your business. That’s why you need strategies designed to protect what you’ve built, support ongoing growth, and ensure a smooth transition into the future.
Key Benefits
Asset Protection – Safeguard both personal and business assets from unexpected risks, lawsuits, or market downturns.
Tax Savings – Use advanced planning strategies to minimize your tax burden and keep more of your hard-earned profits working for you.
Growth Support – Access flexible financial tools that help fund expansion, hire talent, or invest back into your company without unnecessary risk.
Succession Planning – Create a clear roadmap for transferring ownership—whether passing your business to family, selling it, or planning for retirement—so your legacy remains intact.
With the right plan in place, you can focus on running your business today while feeling confident about tomorrow.
Our Services
Tax-Free Retirement
An Indexed Universal Life (IUL) policy can serve as a powerful tax-free retirement tool. It allows your cash value to grow tax-deferred, linked to market indexes with downside protection, and provides access to tax-free income through properly structured policy loans. Unlike traditional retirement accounts, there are no contribution limits, required minimum distributions, or penalties for accessing funds before age 59½. When designed correctly, an IUL can offer lifelong tax-free income, growth potential, and a built-in death benefit—making it a flexible strategy for retirement and legacy planning
Indexing Strategy
The indexing strategy in an Indexed Universal Life (IUL) policy allows your cash value to grow based on the performance of a market index, such as the S&P 500, without directly investing in the market. This means when the index goes up, your account is credited with interest up to a cap, and when the market goes down, your account is protected by a floor, often 0%. This combination gives you the potential for growth during good market years while shielding your retirement savings from losses in down years—a balance of opportunity and security.
Living Benefits
Many Indexed Universal Life (IUL) policies offer living benefits, which allow policyholders to access a portion of their death benefit while they are still alive if certain conditions occur. These typically include chronic, critical, or terminal illness. For example, if you’re diagnosed with a serious health condition, you may be able to receive an advance on your policy’s death benefit to help cover medical costs, long-term care, or other financial needs. This feature adds an extra layer of protection, ensuring your policy not only supports your loved ones after you’re gone but can also provide valuable support during your lifetime.
Saving For Your Future
Saving for the future doesn’t have to mean taking on big risks, paying hidden fees, or worrying about taxes in retirement. With an Indexed Universal Life (IUL) policy, your money can grow safely with protection from market downturns while still giving you the opportunity for solid returns. Even better, when designed the right way, you can access your cash value tax-free—providing a steady stream of income for retirement without Uncle Sam taking a cut. It’s a smart, safe, and flexible way to protect your wealth and create the retirement you’ve always imagined.
Business Planning
As an entrepreneur, your financial life is closely tied to your business. That’s why you need strategies designed to protect what you’ve built, support ongoing growth, and ensure a smooth transition into the future.
Key Benefits
Asset Protection – Safeguard both personal and business assets from unexpected risks, lawsuits, or market downturns.
Tax Savings – Use advanced planning strategies to minimize your tax burden and keep more of your hard-earned profits working for you.
Growth Support – Access flexible financial tools that help fund expansion, hire talent, or invest back into your company without unnecessary risk.
Succession Planning – Create a clear roadmap for transferring ownership—whether passing your business to family, selling it, or planning for retirement—so your legacy remains intact.
With the right plan in place, you can focus on running your business today while feeling confident about tomorrow.
Testimonials
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