Tax-Smart Retirement. Real Protection. Lasting Legacies.
Carl Waren
Self-Employed Retirement Specialist | Waren & Associates
For nearly 40 years, I’ve helped families and business owners protect what matters, grow with confidence, and pass on meaningful legacies. I love showing people how to build tax-advantaged retirement strategies using concepts in IRS §§7702 & 101—approaches long used by the 'rich & famous,' but available to everyday Americans.
Services
Retirement & Protection Solutions
Why Choose Waren & Associates
Expertise in Tax-Advantaged Retirement Strategies
Personalized Solutions
for Every Client
Nearly 40 Years of Proven Experience
Focused on Tailored Retirement Planning
Serving Clients AR, FL,
GA, LA, MS, and TX
Client-Centric
Approach
Frequently Asked Questions
1. Is a “tax-free retirement” really possible?
When properly structured and funded, certain life-insurance-based strategies can provide an income tax-free retirement income and an income tax-free death benefit, according to IRS Codes 101 and 7701, under current law. Results depend on product design, costs, funding discipline, and policy performance. This isn’t a one-size-fits-all solution, and it can provide a lot more after-tax income than qualified plans.
2. What’s the catch?
There are policy costs, rules, and risks (e.g., changes in credited interest, index caps, policy lapse if underfunded, loan interest, surrender charges). That’s why illustrations, funding guidelines, and ongoing reviews are essential.
3. Do you work with my CPA or attorney?
Yes. I encourage coordination so your plan fits your tax and estate picture.
4. Where are you licensed?
Arkansas, Florida, Georgia, Louisiana, Mississippi, and Texas.
Reach out to Carl via phone or email:
+1 (903) 791-0523 | warenc1944@gmail.com
Location
102 HWY 317Ashdown, AR 71822