Maximize retirement accumulation over the next 20 years
Contribution: $22,000 annually for 5 years
Total out-of-pocket: $110,000
Total lender contribution: $242,430
Net death benefit from day one: $666,203
Includes built-in living benefits that allow access to policy values if needed during life.
Total tax-free income received (65–95): $1,040,000
Remaining death benefit to beneficiaries: $539,529
Client: Susan, Age: 45
Profession: CPA (new full-time role at a mid-sized firm)
Marital Status: Recently divorced
Background:
Susan spent most of her married life working part-time while raising a family. Now, at age 45, she is stepping into a full-time CPA role for the first time in many years. She is motivated, disciplined, and highly aware that time—not opportunity—is now her biggest constraint.
Her primary goal:
👉 Maximize retirement accumulation over the next 20 years
Income & Savings Capacity (Realistic Assumptions)
Salary (starting): $110,000
Bonus potential: $5,000–$10,000 (not relied upon)
Susan doesn’t need a better investment.
She needs a better structure for saving and compounding—consistently and efficiently.
