I'm DJ. I design custom Indexed Universal Life policies that protect your principal with a guaranteed 0% floor, capture market upside, and let you retire with tax-free income under IRS Code 7702.
Whether you want tax-free retirement, to become your own bank, or to protect your family — there's a policy designed for where you are.
Supplement your 401(k) and IRA with tax-free income in retirement. Access your cash value through policy loans — no federal or state income tax under IRS Code 7702.
Become your own bank. Finance major purchases, cars, and even real estate through your policy instead of a traditional lender — and recapture the interest you'd otherwise pay.
A guaranteed death benefit protects your family the day the policy is issued, while your cash value grows on a tax-advantaged basis — a living benefit and a legacy in one.
A 401(k) rides the market up and down. A savings account loses to inflation. An IUL is the only vehicle that gives you market-linked growth with a contractual guarantee that your cash value never drops below zero.
When the market crashes, your cash value never goes below zero. Gains are locked in annually — you participate in upside, never the downside.
Cash value is tied to a market index with a cap. You capture a portion of index growth in good years without risking a single dollar in the market.
Every policy is placed with financially strong, A+ rated insurance carriers that have paid claims through every market cycle for over a century.
Unlike 401(k)s or mutual funds subject to market crashes and future taxes, an IUL locks in your gains with a 0% guaranteed downside floor.
A snapshot of the clients DJ has helped build tax-free wealth and lasting protection.
DJ walked me through an illustration that showed my money compounding tax-free. I'm 38 and finally have a retirement plan that doesn't depend on the stock market not crashing.
The infinite banking concept changed how I finance everything. I borrowed from my own policy to fund my business expansion instead of the bank — and the interest came back to me.
I sleep at night knowing my family is protected and my money can't lose value in a crash. DJ made a complex product simple and got me approved in weeks.
An IUL is a permanent life insurance policy with a cash value account tied to a market index (like the S&P 500). Your cash value earns interest based on index performance — with a guaranteed 0% floor, so you never lose money in a down market — and a cap on the upside. It also includes a tax-free death benefit for your family.
Under IRS Code 7702, you can access your cash value through policy loans that are not treated as taxable income. You borrow against the policy, the money comes out tax-free, and the death benefit ultimately repays the loan. This is the core of the tax-free retirement strategy.
Nothing — that's the point. The 0% floor means your cash value never goes below where it was. Gains from prior years are locked in. A market crash that wipes out a 401(k) leaves your IUL cash value untouched.
Most clients start between $250–$1,000/month, but policies can be designed around almost any budget. The more you contribute and the longer the money compounds, the more powerful the tax-free income in retirement. DJ will model your exact numbers on a free call.
DJ places policies exclusively with financially strong, A+ rated carriers that have a long track record of paying claims through every market cycle. The right carrier for you depends on your age, health, and goals — that's decided during your strategy session.
No. The 20-minute call is free and there's no obligation to buy anything. DJ will review your goals, run a custom illustration, and tell you honestly whether an IUL makes sense for your situation.