Flexible
Money you can reach.
Cash and near-cash. Liquidity. The buffer that keeps a car, a roof or a job change from forcing you to raid the plan.
Nationwide retirement planning
Know exactly where your retirement stands.
Five numbers show your retirement gap and the monthly amount that closes it. Then a licensed specialist builds the plan: Flexible, Safe and Growth money, tax-free growth you can borrow against, and a 0% floor on a down year.
Retirement gap analysis
Live estimateYour numbers Example. Replace with yours.
Enter an age from 18 to 90.
Enter the age you want to retire.
Where it sits today (optional)
Rough is fine. Skip it and we treat the total as Growth, which is typical for a 401(k).
Where you stand
- Years to retirement
- 15 years
- Capital needed at 6725× the income you want, before Social Security or a pension
- $1,875,000
- Projected savings at 67Today’s savings at 5% hypothetical growth
- $998,000
- Retirement gap
- $877,000
- Needed, minus what you are on track to have
- Monthly to close it
- $3,280/mo
- For 15 years at 5% hypothetical growth
Flexible / Safe / Growth
Illustration, not a recommendationYou did not split your savings, so we treated all of it as Growth, which is typical for a 401(k) or IRA in the market. The starting mix is an illustration, not a recommendation; the actual mix comes out of the full analysis.
Hypothetical, rounded and educational, not investment, tax or legal advice. 0% floor means the index credit is not less than zero in a down year; it is not a guaranteed gain and not a guarantee of account value after fees, loans or charges.
How this is calculated
Capital needed is 25 times the annual income you want (the 4% rule), a common planning rule, not a promise. Projected savings grow today’s balance at a hypothetical 5% a year, before fees and taxes, in today’s dollars. The monthly figure assumes new contributions grow at the same 5% until your retirement age. Social Security, pensions and other income are not subtracted here; the full analysis includes them. The suggested starting mix is an illustration keyed to years until retirement, not a recommendation.
Licensed and verifiableTax Free Wealth Plan LLC, NPN 21442325. Look us up on NIPR.
All 50 statesLicensed specialists available nationwide. Wyoming is the registered home; the work happens where you live.
Independent brokerAppointed with 25 companies. We shop the market for the product that fits your numbers.
$0 planning feeThe analysis and the plan are free. If you put a product in place, the issuing company pays the specialist.
Top rated carriers
Contracted with the nation’s top rated carriers. Being independent is what lets the recommendation follow your numbers instead of one company’s shelf.
The plan
One plan. Three kinds of money.
Most households have everything in Growth, usually a 401(k): exposed to the market and taxed on the way out. The analysis shows how much of your money is Flexible, Safe and Growth, and what it takes to have all three working.
Safe
Money a market year cannot wipe out.
Protected accumulation with a 0% floor: in a down year the index credit is not less than zero. Sleep-at-night money that still has a job to do.
Growth
Money built to compound.
Tax-deferred or tax-free treatment, the ability to loan against it later, and living benefits you can use while you are alive, not only a benefit after.
A common starting mix10 to 19 years from retirement
Flexible 10%Safe 35%Growth 55%
Illustration, not a recommendation. Your mix comes out of the full analysis.
How it works
Your numbers. Your gap. Your plan.
The analysis above is the first pass. The full version is the same logic with the parts a web page cannot see, done with a licensed specialist, free, in any state.
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1Your numbers
Ten minutes, online or by phone
What you have saved, what you earn, when you want to stop and what you want to live on. Add Social Security, a pension and what you already hold in Flexible, Safe and Growth.
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2Your gap
The target, the gap, the monthly figure
We turn that into a capital target, a gap in dollars and a monthly amount that closes it by your retirement age. You see how much of your money is exposed to a market year and how much is taxed on the way out.
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3Your plan
Built by a specialist, in writing
A specialist shops the market across 25 companies for the mix that fits your numbers, then puts the monthly amount and the plan in writing. You decide on your own time.
Why Tax Free Wealth Plan
Built to be trusted, not to sell.
We are an independent retirement and tax-free wealth planning firm. We are not captive to any one company, our specialists are licensed where you live, and every plan is built around your numbers, not a product quota.
50states served
25companies we are appointed with
$0for the analysis and the plan
0%floor on every product we offer
Independent, not captive
Appointed with 25 companies. We recommend a product only when the math shows it helps you, and we shop the market for the right one.
Licensed and verifiable
Tax Free Wealth Plan LLC is licensed (NPN 21442325) and every specialist is licensed in the states they serve. Verify us on the national producer registry any time.
Paid plainly
The analysis and the plan are free. If you put a product in place, the issuing company pays the specialist. No planning fee, no hidden fees, no upsells.
Reviewed as life changes
Tax rules and lives change. When they do, we review the plan with you. Annual check-ins are part of the relationship.
Decades behind the plan
Established practices came together under one name, one process and one standard. The people building your plan have been doing this work for decades. Our history.
Client stories
In their own words.
"Your AI revealed gaps in our old strategy and laid out three fixes in plain English. No product push just logic"
"I expected a hard sell. Instead I got the clearest retirement game plan I’ve ever seen, plus a licensed professional who answered every question."
"Closed our retirement gap by six figures on paper. Now we’re funding grandkids’ college and still sleeping at night."
Testimonials reflect individual experiences and are not a guarantee of future results. Your results will vary.
Are you financial advisors?
No. Tax Free Wealth Plan is an independent retirement planning firm. Legally, Tax Free Wealth Plan LLC is a licensed insurance agency, not a registered investment adviser or broker-dealer. We do not manage investments or sell securities, and we do not give investment, tax or legal advice.
That is also the point: it lets us offer products and solutions a financial advisor normally cannot. Protected accounts with a 0% floor, tax-deferred or tax-free growth you can borrow against, and living benefits you can use while you are alive. Placing those requires an insurance license, which many advisers do not hold.
Bring your CPA or attorney into the conversation; we are glad to work alongside them.
That is also the point: it lets us offer products and solutions a financial advisor normally cannot. Protected accounts with a 0% floor, tax-deferred or tax-free growth you can borrow against, and living benefits you can use while you are alive. Placing those requires an insurance license, which many advisers do not hold.
Bring your CPA or attorney into the conversation; we are glad to work alongside them.
What does a 0% floor mean?
In a year when the index an account follows is down, the account is credited 0% for that year instead of a loss. It is not a guaranteed gain, and it is not a guarantee of your account value after fees, loans or charges. Your specialist walks through the exact terms of any product before you decide anything.
What are living benefits?
Features you can use while you are alive: access to money after a serious health event, or income you can draw on, depending on the product and its terms. The details differ by product and by state, and your specialist shows you the exact language before you sign anything.
What does the full analysis include?
Everything the tool above does, plus the parts it leaves out: Social Security, pensions, the tax owed on the way out of a 401(k), and the market risk your current savings carry. You leave with a written picture of your Flexible, Safe and Growth money and a monthly figure that closes the gap. It is free, and there is no obligation.
How are you paid?
If you decide to put a product in place, the specialist is compensated by the company that issues it. There is no separate planning or advisory fee for the analysis or the plan.
Do you work in my state?
Yes. Tax Free Wealth Plan is a national firm with licensed specialists available in all 50 states. Product availability can vary by state, and your specialist confirms what applies where you live.
Begin
See your gap. Then see the plan that closes it.
Free. Private. No obligation. All 50 states.