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The Qualified Leverage Strategy® video is subject to copyright protection, © 2022 The QLS Program LLC. All rights reserved. Qualified Leverage Strategy® and QLS® are registered trademarks of The QLS Program LLC. These videos include proprietary intellectual property, including but not limited to, life insurance products, tax mitigation strategies, and general financial planning solutions. BY SELECTING THIS CHECKBOX, YOU AGREE THAT THESE VIDEOS, AND ALL INCLUDED CONTENT, ARE PROPRIETARY AND CONFIDENTIAL, ARE THE EXCLUSIVE PROPERTY OF QLS, ARE PROTECTED UNDER UNITED STATES COPYRIGHT LAWS AND THAT YOU WILL NOT COPY, SHARE, TRANSMIT, RETRANSMIT, REDISTRIBUTE, REPUBLISH, SELL, ASSIGN, MODIFY, USE TO CREATE DERIVATIVE WORKS, OR FRAME, IN WHOLE OR IN PART.

The Problem

The benefits of funding qualified retirement plans seem extraordinary: Your contributions are tax deductible and growth inside the plan is tax deferred. The problem is getting the money out without losing so much of it, as much as 50% in income taxes. Add death taxes, and the total tax loss can approach 70%.

Regardless of whether you plan to spend your qualified plan assets for your own retirement income or leave the balance to a beneficiary, the commonly recommended solutions leave you with five equally poor options:

Common solutions for getting your retirement income:

  • Take it when you need it. It will be taxed as ordinary income plus a 10% penalty if you’re under age 59 ½.
  • Take Required Minimum Distributions (RMDs) starting at 72. It will be taxed as ordinary income.
  • Do a Roth conversion, also taxed as ordinary income.


Common solutions for wealth transfer:

  • Only take RMDs during your lifetime and implement a Stretch IRA for future generations (now limited to 10 years per The Secure Act). Subject to income tax as an IRD asset as well as estate tax.
  • Make gifts to a qualified charity starting at age 70 ½  and leave the balance to charity at death. Qualified Charitable Deductions (QCDs) are limited to 100k/per year.

The Solution: The QLS®

For qualified clients, implementing the QLS® will reduce taxes to maximize retirement value, wealth for heirs or charitable contributions. The Qualified Leverage Strategy® QLS® is a trusted, secure option, developed by tax and financial professionals with decades of dedicated focus on retirement plan exit strategies.

The QLS® Difference

  • Removes assets tax free from your retirement plan.
  • A balance of traditional assets are repositioned into a tax-free Roth.
  • The QLS® generates:
    • Greater retirement income
    • More wealth passed on to heirs
    • A more money for your favorite charity

QLS® Ideal Client

An executive or business owner with a qualified plan.

  • Net worth is $4 million+
  • Has at least $1 million assets in a retirement plan(s)
  • Holds an equal amount of assets outside the qualified plan (ideally, cash or high-basis stock) that can be liquidated within the next 2 to 5 years
  • The client and/or spouse are between 40-65 (Older clients should consider our Wealth Transfer approach.)
  • The plan owner (or their spouse) should be in good health

Interested in learning more about QLS?®

To Access The Other Videos, Complete The Form Below

The Qualified Leverage Strategy® video is subject to copyright protection, © 2022 The QLS Program LLC. All rights reserved. Qualified Leverage Strategy® and QLS® are registered trademarks of The QLS Program LLC. These videos include proprietary intellectual property, including but not limited to, life insurance products, tax mitigation strategies, and general financial planning solutions. BY SELECTING THIS CHECKBOX, YOU AGREE THAT THESE VIDEOS, AND ALL INCLUDED CONTENT, ARE PROPRIETARY AND CONFIDENTIAL, ARE THE EXCLUSIVE PROPERTY OF QLS, ARE PROTECTED UNDER UNITED STATES COPYRIGHT LAWS AND THAT YOU WILL NOT COPY, SHARE, TRANSMIT, RETRANSMIT, REDISTRIBUTE, REPUBLISH, SELL, ASSIGN, MODIFY, USE TO CREATE DERIVATIVE WORKS, OR FRAME, IN WHOLE OR IN PART.