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.
As Seen On:
“How We Help You Keep More of What You Earn”
Most people follow the crowd — contributing to 401(k)s or IRAs, crossing their fingers, and hoping for the best. But what they don’t see are the hidden costs: market risk, management fees, and future tax traps.
We help you avoid these:
Market Volatility
Fear of losing retirement savings during market downturns. Anxiety from watching account balances fluctuate with every economic headline. Lack of control over how investments are performing. Uncertainty about whether their money will last through retirement. “I’m too close to retirement to risk another crash like 2008”
Fees
Frustration over hidden advisor or management fees eating into returns. Not realizing how even a 1% fee can erase years of income over time. Confusion about what they're actually paying for — and whether it's worth it. Feeling trapped in fee-heavy accounts with limited flexibility “Why am I paying fees even when my account is losing money?”
Taxes
Concern about paying high taxes on 401(k) or IRA withdrawals in retirement. Lack of clarity on how to create a tax-efficient income strategy. Fear of rising future tax rates eating into retirement income. No plan to manage RMDs (Required Minimum Distributions). “I saved all this money... now I have to give a chunk of it to the IRS?”
There’s a Better Way!!!
Let me show you how to grow and protect your money — with control, flexibility, and security.
Traditional Approach
Tax-Deferred (pay taxes later at unknown rates)
Exposed to Market Volatility
1–2% Management Fees Every Year
Early withdrawal penalties
Generic advice based on group plans
Strategic Approach
(Our Method)
Tax-Free Growth & Access
Principal-Protected Strategies
No Advisory or Management Fees
Liquidity with No Age Restrictions
Customized Solutions Built Around You
THE RESULT...
✅ More money stays in your pocket, not the market, not Wall Street, and not the IRS
✅ You get predictable, tax-free income in retirement.
✅ You gain peace of mind knowing your savings are protected and working for you.
Is This Right for You?
This isn’t a one-size-fits-all plan. It’s a customized strategy built around your goals, your stage of life, and your financial future.
🤔 Who Can Benefit From ERFT
You’re in your 40s, 50s, or early 60s and want to retire with peace of mind
You’re tired of watching your 401(k) ride the market rollercoaster
You’ve saved money but worry about taxes eating into your retirement
You want more control, more security, and fewer surprises
🔎 Why Haven’t I Heard This Before?
As many people out there that haven’t heard of Tax-Free Options, there are a ton of people that have and are actively utilizing them. These really aren’t new concepts. They’ve been around since the late 90s and have continued to evolve for the better.
Most traditional advisors stick to conventional tools like 401(k)s, IRAs, and mutual funds. We focus on the side of finance that eliminates risks, fees, and taxes, using strategies the top 1% have used for decades, and make them accessible to everyday families.
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
Take 2 minutes to share where you are — and we’ll show you how to get where you want to be, with less risk and more control.
