Blue Star Consulting is a Managing Producer for The QLS Program. QLS or “Qualified Leverage Strategy” is a proprietary solution which utilizes a client’s qualified retirement plan assets (traditional IRA, 401K, defined contribution, defined benefit, etc.) to fund cash value life insurance. This innovative approach has the potential benefits of reduced taxes, maximized wealth transfer, increased philanthropy and greater retirement income.
The Blue Star QLS INCOME model is a leading-edge strategy that utilizes life insurance to reposition tax-deferred assets from qualified plans without experiencing a 40-50% tax loss. The primary focus of this model is to maximize clients’ future retirement income through a tax efficient restructuring of assets both inside and outside of your retirement plan into a more favorable tax position. Consequently, the QLS INCOME solution minimizes the tax impact on qualified plan assets, thus greatly increasing the opportunity for significantly more income during retirement.
The Blue Star Consulting QLS team can prepare custom proposals using proprietary analysis software, and then our professionals will work with the high net worth client and their trusted advisors in explaining the positive QLS tax transformation & the resulting benefits.
The ideal clients for QLS INCOME are ages 65 or younger, and have a minimum of $500,000 in their qualified plans plus some investment assets outside the plan. QLS INCOME is not well suited for clients that have smaller balances since the life insurance contracts have limited liquidity in the early years.
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QLS INCOME
