People do not like to pay taxes or pay for life insurance. How about reducing your taxes a better way than through a 401k or SEP and growing money through special whole life plans that allow you to access cash and have it grow when it is not in your account. Yes-your money will grow when it isn't in your account. We use a patiented model of investing and savings that works better for the affluent client (income over $100,000). We also have plans that give you the opportunity for increase in the market but with guarantees of doubling or tripling your money in the future.