Methods and systems for financial planning

摘要

A method for increasing after tax income is disclosed which includes obtaining a mortgage on equity in real property, the mortgage having an annual interest amount and receiving substantially equal annual distributions from an individual retirement account that are approximately equal to the annual interest amount on the mortgage. The method also includes paying the mortgage interest with the IRA distributions, placing the received equity in a money management account, transferring funds from the money management account into a life insurance contract over a set period, and receiving tax advantaged distributions from the life insurance contract.