What if there were a legal way for business owners to write off six figures a year, keep access to their money, and build guaranteed retirement income?

In this episode, Thomas Cox explains how high-income clients use a 412(e)(3) retirement plan paired with properly structured whole life insurance to reduce taxes, maintain liquidity, and stay in control of their capital.

Using real client examples—including Jessica, a real estate investor earning over $1M—Thomas shows how business owners can deduct $150K–$400K annually, avoid market volatility, and use their own money to fund growth without relying on banks.

This episode is for business owners, doctors, and investors who are maxing out traditional retirement plans and want a smarter way to manage taxes and cash flow.