WHAT IS A TFRA?

by Bill Constain, CEO, RFP, RFC®

WHAT IS
A TFRA?

by Bill Constain
CEO, RFP, RFC®

smart investors love this strategy

More than half of all Americans have a taxable 401(k) or Roth IRA – and they’re paying taxes on growth as soon as they withdraw funds, living without guaranteed growth or principal, and facing up to 10% early withdrawal penalties.

Meanwhile, less than 0.07% of Americans have a Tax-Free Retirement Account (TFRA): A guaranteed-growth strategy for savvy planners that’s 100% legal when set up to comply with the current IRS tax code.

Ready to learn what the 0.07% already know?
Get answers to some of our most frequently asked questions about TFRAs and how to qualify below.

TFRA Image

Why didn’t my financial advisor tell me about this?

  • Most financial advisors don’t know TFRAs exist – or how to comply with the legal requirements that make them tax-free for their clients.
  • If an advisor’s company doesn’t tell them to recommend TFRAs, they won’t.

What’s the difference between a TFRA and my 401(k)/Roth IRA?

Traditional 401(k)


  •  Grows Tax Deferred
  •  Income Tax Free
  •  Protected and Private
  •  Guaranteed Growth
  •  Unlimited Contributions
  •  Liquidity - Up to 10% early withdrawal penalty

Roth IRA


  •  Grows Tax Deferred
  •  Income Tax Free
  •  Protected and Private
  •  Guaranteed Growth
  •  Unlimited Contributions
  •  Liquidity - Up to 10% early withdrawal penalty

With a TFRA, your growth isn’t taxed, and it’s set and guaranteed for the first year – last year, typical qualified individuals earned between 3-7%. Even better, there are no contribution limits, and the money you deposit and earn can be cashed out at any time – tax-free and without penalty.

This sounds too good to be true. What’s the catch?

No catch. A TFRA is not a new investment strategy by any means; wealthy individuals and families have used this type of account to build and pass on their fortunes tax-free for more than a century.

I’m interested, but I’m not super-rich. Can I qualify for a TFRA?

Glad you asked! Take our 30-second survey below and see if you qualify. Then, we’ll match you with a local representative who can help you understand if a TFRA is right for you.

Complete our 30 second survey below to see if you qualify.

  • Step One
  • Step Two
  • Step Three
  • Step Four
  • Step Five
  • Step Six
  • Step Seven
  • Step Eight
  • Step Nine
  • Step Ten

Are you a USA resident?

Please select one option below

What state do you live in?

Please enter the state you live in

How did you hear about us?

Let us know how you heard about Freedom Wealth Services

What benefits of the TFRA are you most interested in?

Please check all options that apply

What Investment Strategies are you currently using?

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What is your current primary source of income?

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In general, how would you rate your Health today?

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For your free 25 minute TFRA consultation, what do you prefer?

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Enter your first and last name please:

Full Name

Verify your current Mobile Phone Number:

Phone Number

Verify your best Email Address please:

Email Address

Verify your Zip Code please:

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*NOTE: This survey will be submitted to Bill Constain