RETIREMENT ON
BORROWED MONEY
How business owners and high-earning families use
disciplined borrowing, tax planning, and protection to
build lasting income.
Educational content only. Not financial, tax, legal, or investment advice.
Retirement on Borrowed Money by Tomer Dicturel.
Learn the strategies institutions and disciplined families use to fund protection, manage tax timing, and build lasting income — explained plainly, with the risks included.
The Tax Trap
A tax-deferred account isn’t quite a savings account. It’s more like a partnership — and you’re not the only partner. The other one is the tax system, and it gets to decide its share later, at a rate no one has
set yet.
Tax Rates Change They’re a policy choice, not a permanent fact — and no one can predict where they’ll be when you retire.
Our Approach: Rather than hoping your tax bracket drops in retirement, we help you plan for tax timing you can see today, at Crossfield Strategic Partners.
The 4 Pillars
Premium Finance
Using conservative borrowing to fund protection and income with less personal capital up front.
The Indexed Policy Engine
Interest credited partly on market-index performance, with protection designed against direct
index losses; policy charges still apply.
Retirement Optimization Strategy (ROS)
Repositioning taxable retirement accounts and old annuities toward more tax-advantaged
income, on your terms.
Protection at the Core
Genuine life insurance and living benefits anchoring the entire structure.
Life insurance is not a replacement for a qualified retirement plan.
Why the IUL?
Your Core Foundation for Safety — the Indexed Universal Life (IUL)
"Zero is Your Hero": When the index falls, your credited interest doesn’t go negative because of that decline — though normal policy charges still apply.
Tax-Advantaged Access: Withdrawals are typically structured as policy loans, which are generally not a taxable event while the policy remains in force. Consult your tax advisor. meaning $0 in taxable income to the IRS.
Living Benefits: Built-in access to a portion of the benefit if you face a chronic or critical illness.
Choose Your Path
Financial freedom isn’t an event; it’s the compounding effect of making disciplined, tax-aware decisions. Whether you’re a business owner protecting what you’ve built or a professional looking to understand how institutions plan around taxes, you now have a way to explore how these strategies work — and where they don’t fit. Choose the path that fits how you like to learn: go deep with our 9-Part Video Course, or start with the book, Retirement on Borrowed Money.
Crossfield Strategic Partners is a licensed insurance agency.
Premium finance involves borrowing from a third-party lender. Interest-rate risk, lender risk, and policy-performance risk are all present. This strategy is not suitable for all clients.
This site is for educational purposes only and is not financial, tax, legal, or investment advice. Life insurance is not an investment in the equity markets.
All figures shown are illustrative and hypothetical. Outcomes are not guaranteed. Consult a licensed financial professional, attorney, and CPA before acting.
© 2026 Crossfield Strategic Partners
401 Hackensack Ave Suite 804, Hackensack, NJ 07601 | 877.502.7677
Crossfield Strategic Partners is a licensed insurance agency. This site is for educational purposes only and is not financial, tax, legal, or investment advice. Life insurance is not an investment in the equity markets. Premium finance involves borrowing from a third-party lender; interest-rate risk, lender risk, and policy-performance risk are all present, and this strategy is not suitable for all clients. All figures shown are illustrative and hypothetical; outcomes are not guaranteed. Consult a licensed financial professional, attorney, and CPA before acting.