When it comes to tax-free accumulation of wealth, individuals just assume that they have everything all covered. They have their professional come in, yet they don’t have all the answers. Tax-free accumulation is just 1/3rd of the bucket you need filled. There are other options to fill in that bucket. And I don’t want to get all technical with you, but there are three ways to accumulate tax-free money: 1) Through an indexed universal life policy; 2) through a whole life policy; or 3) through a Roth IRA. That’s it – those three items. But that’s not the end all be all; you have to know how to take distribution and how to reduce your taxes at the same time.