The Great 401k deception: Watch this video by Denver Nowicz to learn the truth.

Are you caught in the 401k tax trap?

Here’s what every professional ought to know:

  • You understand when you contribute to your retirement plan, you get a tax deduction now on your contribution and have more money in your pocket today.
  • But, by taking the deduction now you deferred the taxes until later. You pay the taxes in the future.
  • When you take money out in the future, you will pay income taxes at whatever rate taxes are at that time.
  • So, you have pushed off this tax liability into the future. Do you think taxes will be lower or higher in the future?

When you take money out of your 401k in the future, will you be paying higher or lower taxes? (Remember, your withdrawals are fully taxable.)

Taxes are at historic lows today.

As hard as it is to imagine, you are probably paying the lowest tax rates of your life time.

If taxes return to previous levels are you prepared to protect your wealth from tax increases?

  • Top Tax Bracket 1944

  • Top Tax Bracket 1964

  • Top Tax Bracket 1984

  • Top Tax Bracket 2014


What you can do now to protect your wealth from taxes:

A quick fix
for the “tax threat”

Instead of saving only into tax deferred plans which are subject to future taxation, cover your bases by funding half your savings into a tax deferred 401k type plan and half into a true tax free source.
If taxes are lower in the future – pull money from your 401k, SEP or Defined Benefit Plan
If taxes are higher in the future – pull money from your tax free plan


Using your 401k, SEP, IRA, or Defined Benefit Plan with a tax free strategy could reduce your taxes long term by 50% or more!

Here are some potential tax savings examples based on your desired income. Click on the tab with your estimated or desired retirement income to see the savings estimate. These are only hypothetical estimates. Talk to your tax professional.

Taxes from 401k withdrawals only: $52,460
Taxes after a combined 401k and tax free strategy: $21,212
Savings: 60% per year
$624,960 in savings over 20 years or a 650 hp Ferrari Enzo

Taxes Before: $16,000
Taxes After: $6,000
Savings: 62.5% per year
$200,000 in savings over 20 years or 20 dream vacations

Taxes Before: $6,000
Taxes After: $400
Savings: 93.3%
$108,000 in savings over 20 years or 10,000 rounds of golf

Creating tax free income and protecting your wealth has never been more important. The first steps are to understand the different ways money is taxed:

How to tax diversify your assets to create tax free income.

Many people think they have money in a tax free position only to find out later it is really tax deferred (taxed later). It’s better to find this out now! This video will show you the basics.

Tax Deferred:

401k, Defined Benefit Plans, SEP and IRA’s

Tax deduction now
More money to spend today
More money to invest today

Taxed 100% as income on withdrawal
Taxed on contribution and gains
Taxes may go up in the future
Max. limit on contribution


ROTH 401k, ROTH, Indexed Life, Whole Life and Section 79 plans

Tax free distribution
No taxes on gains
Protected from tax increases
No limit on income/contribution (Life only)

Taxes paid today on contribution (may be partially deductible through a company)
Less money to save/spend today

Quick Fact: In 2014 the top tax bracket is 39.6%. The average top tax bracket over the last 100 years is 59%!

For creating tax free income, Indexed Life Insurance can be one of the best options for successful professionals for the following reasons:

  • No income or contribution limits like ROTH IRA’s
  • The ability to access tax free income before age 59.5
  • Double digit growth potential
  • Guaranteed against market losses
  • Unmatched ability to create tax free income streams
  • Much lower cost long term than many traditional investments
  • Asset Protection and creditor protection

Tax Free Case Study – 48 year old

This is an indexed life income and cost summary for a 48 year old who is saving into a plan for 10 years and looking to take out tax free income at age 65. The values are estimates only and not guaranteed. If you would like more details on this case, or to get a full illustration for yourself please contact us at

How to create a tax free income plan at your company.

Having a tax free income plan at your company can provide your top employees with tax free income during retirement. This can provide a very attractive supplement to the taxable income that will come from defined benefit plans and 401k distributions. Contact Denver Nowicz for more information at 480-970-5663.

Create a tax free plan and call for a free consultation: 480-970-5663 or contact us by email here:

Denver Nowicz – Background and Strategies

A brief background of Denver Nowicz and his successful wealth building philosophy. Denver is one of the top independent financial professionals in the country. His family history and experiences have are at the core of his dedicated work ethic and integrity.

What the average investor goes through…Hilarious but true!

Southpark does a great job of showing what the average investor goes through when they invest money! What do you think? If you have experienced the above situation and are not sure what to do about a 401k rollover call me and discuss some options: 480-970-5663

How to grow your money while protecting it from losses.

This is a detailed look at how index crediting strategies work inside and index universal life insurance policy and how they can perform in up, down or flat markets. How did these strategies do during the last two market crashes?

Find out if a tax free plan is right for you. Call for a free consultation: 480-970-5663 or contact us by email here:

How I found safe, tax free strategies.

As I started to become successful, I got lucky. I got to know some other guys that were making good money and I asked the question “What do you guys do with your money?” They showed me this exact slide in a presentation at their office:

I thought: “Well that looks like a good idea.”

And it’s tax free…

Here is the next slide they showed me:
This is the provision of the IRS code detailing the tax advantaged status of permanent life insurance. The only place you can put unlimited amounts of money and have a tax free exit strategy. Given what I had been through with my family, I decided to start my career in sharing these powerful strategies. That was almost 14 years ago now.

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Listen to our radio show every Sunday at 12 noon on 1100am KFNX Newstalk Radio

Should you create a tax free plan?

For many Americans, social security will be their only source of retirement income. Taxes won’t be an issue.  If your current income is $75,000 or higher you will definitely want to consider this. If you are in the top 1% this is almost a necessity.
Keep in mind, a tax free strategy using indexed life insurance is one way to grow wealth but not the only way. But when considering this, here are three things to know:

  1. What are the costs and charges
  2. What are the downsides
  3. What can go wrong with the plan

Let’s work together to see if this makes sense for you. I will handle your case personally. If you are looking to build a long term relationship with a proven, established, independent adviser then schedule a time to talk with me.

What are the downsides of indexed life?

Radio show highlights:

  • Indexed life insurance policy costs and charges.
  • Setting indexed life up wrong can cost you.
  • The costs going in give you tax free income for life.
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Questions? Call and speak to Denver Nowicz directly at 480-970-5663.

This book helped me lose money in the market. Sound familiar?

wealth bookI had just graduated from the ASU college of business and had the Charles Givens “Wealth Without Risk” book. According to the book it was going to be pretty easy to average 20% per year in mutual funds. The strategy was simple. Use the fund list in the back of the book. Pick one. Send them money. So, I had saved up $1000 during college. I sent this off to the Fidelity Bio Technology Fund. 7 months later my $1000 was worth $150.

The top three differences between whole life insurance and indexed life insurance.

What are the difference between indexed life insurance and whole life insurance? Which one is better for income? For guarantees? This video looks at guarantees, flexibility and upside potential of whole life insurance and indexed life insurance.

How policy loans work with whole life insurance and indexed life insurance

Whether you are trying to be your own bank or maximize tax free income, it is important to know the difference between loan provisions in whole life insurance and indexed life insurance. We also discuss what can go wrong with both types of policies. This video is part 2.

I can help you avoid the financial traps my family fell into by giving you a free eBook you will find below. The strategies you’ll find in the book were developed from my experiences of taking care of my family…

I spent 10 years taking care of my mom, dad and grandma before they past away. I’ve seen what happens when financial plans don’t work, markets crash or you simply get bad advice.

nowicz family

My mom inherited $50,000 when her grandfather passed away. She was talked into investing this in what turned out to be an “Enron” type stock and lost it all. She deserved better advice. mom bday
I watched my Dad and his small business get audited by the IRS multiple times. You would think the IRS would have bigger fish to fry. He could have used a good tax protection strategy. maricopa truck
My Grandma did all the fun things you do when you retire but she just ended up living to age 93 and outliving her savings. It takes a lot more money than people think in this day and age. Granny Camel

key grey blueFree eBook, tax free strategy videos, audio and wealth building resources:


Create tax free income with no income or contribution limits
Build passive tax free income streams to retire early
Protect your wealth from market losses and capture gains
Maximize your wealth, minimize taxes and keep costs low

Here’s what our clients say about our tax free strategies:

We started working with Denver on retirement strategies shortly after we moved to Scottsdale in 2010. I’ve found him to be a consummate professional with sound retirement advice that is creative, but reliable and secure. ” Jim Swantko
Senior Vice President at SUMCO
“Denver has an incredible ability of presenting financial information that is understandable, easy to follow within a relaxed atmosphere. After learning the many options of tax free income, this has changed our entire outlook for retirement.” Larry Rugguiero, Vice President at Bella Foods
“Denver offers solid advice and will help you to understand some options that can enhance your retirement and reduce your tax burden. I would highly recommend Denver to anyone looking for investment advice.” Craig Ashcroft, Owner – Saguaro Claims Services

Get your Free eBook and tax free videos, audios and wealth building resources

What are top income earners doing to maximize wealth and minimize taxes?

Guide to Wealth For LifeReceive a free copy of The Successful Professionals Guide to Wealth For Life via email and learn their strategies.

  • View case studies from other top professionals and see how you compare
  • Contains simple worksheets to help you optimize your wealth
  • Gain immediate access tax free strategy videos, audios and resources
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