A fresh approach for the new age of

Retirement Planning

Guaranteed income for the rest of your life

A Tax-Free Retirement with IUL

(Indexed Universal Life)

How much money would you have saved by now? How much sooner could you retire? IUL has been around for almost 30 years. Now, we have over 40 companies that offer IUL. Policies continue to evolve and get better each year. IUL policies do not lose money, which is rule number 1.

You May ask... What is the difference between an IUL and a 401(k) or IRA?

With a Tax-Deferred 401(k) or IRA....

✘ You must pay taxes. Either in advance or when you're taking income in the future

✘ Your money is not liquid. You can't access your money any time you want, and if you do a hardship withdrawal, you're heavily penalized.

✘ ​You are limited to how much you invest. Plans with most tax benefits have annual funding limits.

✘ Your money is not guaranteed. The money in your 401(k) or IRA may increase in up markets but accordingly will decline in falling markets.

✘ You are required to report your earnings to the IRS. Everything in a 401(k) or IRA is uncle sam’s business.

Discover the Wealth Secrets of the IUL

✔ You don’t pay taxes on growth or principal. Ever! This is 100% legal if your account is set up correctly, and structured according to current IRS tax-code.

✔ Average historical returns of 7-10% annually. Completely tax-free.

✔ Your Account is GUARANTEED not to go backwards. Lock in gains when the market is up, but suffer NO loss when the market is down.

✔ ​You are not required to report money you take out to the IRS. The IRS doesn’t consider money taken out as ‘income’ – so there’s no tax. It's none of their business!

And there are many more wonderful fiscal things you can do with an account like this...

Connect with a Financial Coach

Meeting with a financial coach is the very first step to a tax-free retirement. They will do a financial analysis and guide you every step of the way to creating a IUL account.

Financial Meeting

60 Mins
When we do a financial analysis with our clients, we help them make decisions that align with their personal convictions. $35 for an hour consultation We won't only advise you in what financial vehicle is best for you, but to teach you the ways money works. We offer all our service for the United States and Puerto Rico. Visit Our Webpage

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Learn More About Tax-Free Retirement

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How to create INCOME FOR LIFE

Steps to financial freedom

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Roman Financial Services is a full-service financial wellness company based out of West Palm Beach, Florida. We offer a range of financial planning. Whether your goal is to plan for retirement at an early age, restructure your existing investment portfolio or to ensure you have enough life insurance for your loved ones, we are here to help.

Monday - Friday - 10:00 AM-5:00 PM

Sat - Sun - By Appointment