A faster path to tax-advantaged retirement income.
Future Ready moves qualified retirement savings into a tax-advantaged structure in about three years, with no medical exam and access to funds after 24 months.
20 minutes. If nothing fits, we'll say so.
- 01 About 3 years to transfer
- 02 24 months to access
- 03 About 4 weeks to approval
Your 401(k) defers taxes. It doesn't eliminate them.
Every withdrawal from a traditional IRA or 401(k) is taxed as ordinary income, which can mean 35–37% federal plus state. RMDs force withdrawals from age 73. And traditional insurance-based planning can take five to seven years, require medical exams, and decline applicants because of their health.
How it works
Week 1: Consultation and planning
Review your account balances and income goals, and set your funding timeline (typically three years).
Week 2: Application
A simplified application with no medical exam, blood test, or lengthy questionnaire.
Week 3: Approval and setup
Approval is guaranteed for qualified participants. The structure is set up with the investment manager you choose.
Week 4: Funding begins
Transfers from your qualified accounts start and are invested right away under your chosen strategy.
Month 24 onward: Access
After a 24-month seasoning period, you can access transferred funds on a tax-advantaged basis whenever you need them.
Future Ready vs. traditional ARP
| Feature | Traditional ARP | Future Ready |
|---|---|---|
| Funding timeline | 5–7 years | About 3 years |
| Underwriting | Medical exam required | Simplified, no exam |
| Approval time | 3–6 months | About 4 weeks |
| Access to funds | Year 6+ | After 24 months |
| Investment control | Plan options | Your choice of manager |
Who it's for
You may be a fit if
- Age 50–70, planning for retirement
- $3M or more in traditional IRAs or 401(k)s
- Facing $500,000 or more in lifetime tax on distributions
- Wants results sooner than the standard ARP
- May have health concerns that would complicate traditional underwriting
- Wants to keep working with their own investment manager
Key benefits
-
Speed
Full transfer in about three years instead of five to seven.
-
Simplified approval
No medical exams. Approval in about four weeks.
-
Earlier access
Funds are available after 24 months.
-
Your investments, your manager
Choose your own investment manager and keep control of allocation.
-
No RMDs
Access money on your timeline, not the IRS's.
-
Legacy
The death benefit equals the account's net value and passes to heirs income-tax-free.
Future Ready vs. a Roth conversion
- No large upfront tax bill on the full balance
- No contribution or income limits , so multi-million-dollar balances can move
- A uniform 24-month seasoning period instead of Roth five-year rules
- No 10-year payout rule for heirs. Inherited Roth IRAs generally must be emptied within 10 years.
Future Ready in practice
A client with a $3M qualified portfolio repositioned it over three years, with more than $1M in projected lifetime distribution taxes avoided.
Questions
What does it cost?
A $2,000 setup fee, the same as the standard ARP. Your investment manager's fees are separate. There are no traditional insurance mortality charges.
Can I access funds before 24 months?
Early access would trigger ordinary income tax and defeat the purpose. Future Ready fits people who can plan withdrawals two years ahead.
Do I have to change advisors?
No. You choose your own investment manager.
Find out if Future Ready fits your timeline.
20 minutes. If nothing fits, we'll say so.
Future Ready involves an insurance-based structure. Approval, timelines, and tax treatment depend on individual facts and current law. This is not tax, legal, or investment advice.