David Garcia, CEO, DTLA Financial Solutions, presents:

The Ultimate Tax-Preferred Retirement Strategy

The Tax-Preferred Account Wall Street (aka Your Financial Advisor) Doesn't Want You to Know About...

Posted September 30, 2025

Why hasn’t my financial advisor ever told me about this?

Reason 1: Most financial advisors don’t know that an account like this exists. Nor, do they know how to set it up to be legally tax-free for the account holder.

Reason 2: Most financial advisors recommend financial vehicles that the company they've contracted with… tells them to recommend.

As a result, less than 0.07% of Americans have what we call a "Tax-Preferred Retirement" account set up—while more than half the population has a taxable 401(k), a similar tax-deferred retirement account or a “contribution-limited” Roth IRA.

What is the difference?

With A Tax-Deferred 401(k) or IRA…

You have to pay taxes (upfront or at the end—either way you will be taxed heavily)
Your money is not liquid (you can’t access your money any time you want, and if you do, you’re fiscally penalized)
You are limited to how much you invest (plans with most tax benefits have funding limits)
Your money is not guaranteed (the money in your 401(k) or IRA soars with the market, and goes down with the market)
You are required to report your earnings to the IRS (everything in a 401(k) or IRA is, Uncle Sam’s business.)

What about a Roth IRA?

You don't pay taxes on growth - a good thing, but...
You can only deposit $6,000 a year ($7,000 if you are 50 or over)
Growth & principle isn’t guaranteed - like most 401(k)'s
It's not liquid (same 10% early withdrawal penalty on gains)
You are required to report your earnings to the IRS (everything in a 401(k) or IRA is, Uncle Sam’s business.)
The rules could change (The withdrawal rules could be changed with one piece of legislation)

With a Tax-Preferred Account…

You don’t pay taxes on growth or principal. Ever. ( This is 100% legal if your account is set up correctly, and structured according to current IRS tax-code.)
You earn 30-40 times more interest than with a regular bank account. (Historically, qualified individuals earned 2-7% a year.)
Your principal and gains are guaranteed ( All your initial contribution plus what it grows to each year is guaranteed each year by reset so you can never lose what you put in OR earned).
Your money is Liquid (All money put into and made in your account is cash—you can withdraw any amount—at any time—without penalty).
You are not required to report earnings to the IRS (The IRS doesn’t classify income as “income” inside this kind of account. Not Uncle Sam’s Business.)

And there are many more rewarding benefits this account can give you.... But...

Is It “Too Good To Be True,” You Ask?

Nope. It’s very real.

In fact, an Account like this is not a new investment strategy.

Accounts like these have been used by wealthy individuals and families for over 100 years to build, then pass on fortunes in a legally tax-free environment.

President John F. Kennedy had an account like this.

So did Presidents Taft, Cleveland, McKinley, Harding, and FDR.

Even John McCain used his account to fund his electoral campaign back in '08.

The Wealth Effect

Some people refer to it as the "Wealth Effect". According to the Federal Reserve, the richest Americans own over half the investment gains built up in these accounts. While families in the bottom half own just 6.5%.

It's common knowledge that the top 10% income earners have access to the very sharpest CPA's, MBA's, Attorneys and Financial Experts that money can buy. The logical conclusion is that this retirement vehicle obviously meets and exceeds their high standards of safety and security while producing above average returns.

So the question is... what do they know that you don't and why hasn't your CPA or advisor told you about this? It could be many reasons. They may have heard of it, but they don't get a commission for life like they do with securities.

So when I hear it's a "bad investment",, I know there is a hidden agenda (their income). Because if it were truly a bad investment, would the wealthiest 10% in the U.S. own almost 60% of the assets held in these accounts?

The only question now is...

Do You Qualify For A Tax-Free Secret IRA?

A Secret IRA account is NOT available just to the super-rich or wealthy…

However, an account like this can only be technically set up if you or your family qualify for it and it has to be setup in a specific way to work this way (another thing most advisors don't realize).

To discover if you might be a fit and qualify for a Secret IRA, take our 60 second survey on the next page called the 401k Challenge.

To see if you qualify, click below:

30 seconds to apply & pre-qualify

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The information presented here is not specific to any individual’s personal circumstances. It is intended to solely illustrate the application of financial strategies and products to meet client goals. Meeting identified financial needs or implementing suggested strategies may involve the purchase of a financial product. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law.

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