THE END OF

TAX-DEFERRED RETIREMENT

Stop gambling with the IRS. Learn the Advanced Strategies Banks and the Ultra-Wealthy Use to Build, Borrow, and Retire Completely Tax-Free.

The Official Companion to the Book: Retirement on Borrowed Money by Tomer Dicturel.

Stop gambling with the IRS. Learn the Advanced Strategies Banks and the Ultra-Wealthy Use to Build, Borrow, and Retire Completely Tax-Free.

The Tax Trap

Much of your 401(k) doesn't actually belong to you. Traditional retirement accounts are a "joint venture" where the IRS is the senior partner.

The Illusion of Deferral: You aren't saving taxes; you are letting the government decide your future tax rate.

Record National Debt: With debt over $30 trillion, tax rates are likely to rise, automatically shrinking your spendable retirement income.

The Tax Mirage: Financial advisors hope your income drops in retirement so you pay less—at Advanced Wealth Partners, we believe in maintaining your lifestyle, not downsizing it.

The 4 Pillars

Premium Finance

Use the bank’s money to fund your wealth while yours stays invested elsewhere.

Leverage Life

Access liquidity via policy-based banking without interrupting your compounding growth.

Plan Maximization

Reposition taxable 401(k)/IRA funds into tax-free strategies on your terms.

Annuity Rescue

Convert deferred, tax-heavy annuities into tax-free income and legacy assets.

Why the IUL?

Your Core Foundation for Safety. The Indexed Universal Life (IUL) is the engine behind these strategies because it offers:

"Zero is Your Hero": Link to market gains, but your floor is 0%—you never lose principal to market crashes.

Tax-Free Access: Withdrawals are structured as policy loans, meaning $0 in taxable income to the IRS.

Living Benefits: Built-in protection for chronic or critical illness that traditional accounts don't provide.

Choose Your Path to Freedom

Financial freedom isn't an event; it is the compounding effect of making disciplined, tax-efficient decisions. Whether you are a business owner looking to protect your future or a professional ready to stop gambling with the IRS, you now have the blueprint to structure your wealth exactly how banks and major institutions do—with leverage, safety, and purpose. Take control of your financial destiny today by choosing the path that best fits your goals: dive deep into the mechanics with our 9-Part Video Course, or master the philosophy with the official book, Retirement on Borrowed Money.