Tax-Free Savings Plans

Build Wealth Without the Tax Burden

Is there a way to grow my money without giving half of it to taxes.

You’re saving. You’re earning. You’re trying to make smart moves.

But every time your money grows, the IRS is right there with their hand out.

You’re paying taxes on interest and investment gains
You’re worried about what retirement taxes will look like

You’ve heard of tax-free savings strategies, but they sound complicated, or too good to be true

At NVY Group, we help you build a savings plan that works for you now and later, with the goal of minimizing taxes and maximizing control.

Yes, it’s real. And no, you don’t need to be rich to take advantage of it.

Who This Is For?

Working Professionals & Families

You’re looking for a smarter place to grow your savings than just a bank account or taxable brokerage.
We help you:

Protect savings from market dips and tax hikes
Build long-term value for education, emergencies, or early retirement
Avoid tax traps that sneak up on middle-income earners

High-Income Earners & Business Owners

You’re making good money, but you’re losing a lot of it to taxes.
We help you:

Create tax-advantaged growth and distributions
Explore strategic insurance-backed tools like Indexed Universal Life (IUL)
Avoid income phase-outs that limit Roth or IRA access

Retirees & Pre-Retirees

You’ve built your nest egg, but you’re worried about taxes in retirement.
We help you:

Turn savings into tax-free income using insurance-based strategies
Plan around Required Minimum Distributions (RMDs)

Leave a tax-efficient legacy for your family

What You Really Want

To grow your money without big tax bills
To access cash when you need it, without penalties
To be able to say “I’ve got options” when life throws a curveball
To have a tax-efficient plan for retirement, education, or legacy giving
To feel confident, not confused, about where your money is going

Real Questions We Hear

“Isn’t tax-free growth only for the rich?”
“Can I use this to save for college or retirement?”
“What’s the difference between this and a Roth IRA?”
“Isn’t life insurance just for when you die?”

We break it all down in plain language, with zero pressure

NVY Group Helps You understand, compare, and set up tax-efficient financial tools like:

Indexed Universal Life (IUL) Insurance

Builds tax-free cash value you can use while alive
Access funds with no penalty, no taxes
Income doesn’t count against FAFSA or other aid
Offers market-linked growth with zero downside risk