“The Biggest Retirement Risk Isn’t Saving Too Little…
It’s Not Knowing What Your Income Will Be Later.”

Most people only see the accumulation phase of retirement planning.
Very few ever see the distribution phase.
What could taxes, fees, and market downturns do to your retirement income over time?
And are there other strategies designed to help reduce those risks?
👉 Watch this 3-minute educational comparison to see how properly structured life insurance
may complement traditional retirement strategies.
Who Am I ?
My name is Steven Johnson
For more than 16 years, I've helped families and business owners build tax-advantaged retirement income using properly designed Indexed Universal Life insurance strategies (LIRPs).
When properly structured, these policies can provide principal protection from market downturns, tax-advantaged growth, and the potential for tax-free income under current federal tax law, subject to policy terms and conditions.
My goal is to help you understand your options clearly so you can make informed financial decisions with confidence.
CA. 0F66865 - 760-846-0436

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The401kAlternative.com
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Insurance products and services are provided through IUL Calculator Pro, Inc., an independent licensed insurance agency.
Steven Johnson
California Insurance License #0F66865
The401kAlternative.com is a marketing and educational website owned and operated by IUL Calculator Pro, Inc. Information provided on this website is for educational purposes only and is not intended as tax, legal, or investment advice. Insurance products are issued by licensed insurance companies and are subject to underwriting, policy provisions, and state availability. This website is not affiliated with or endorsed by the Internal Revenue Service (IRS).
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