The Power of Zero (for individuals)

The Power of Zero is a wealth-building strategy that allows retirement income to be withdrawn at, or nearer to, a 0% income tax rate. It's an approach that puts you in control of your tax bracket and allows you to keep more of your hard-earned money.

Traditional investment advice focuses on deferring income tax to a later date when you are in a lower tax bracket. But what if taxes aren't lower when you need the income to live on?

Our investment vehicles also include many other advantages over traditional methods like:

  • Tax-free growth
  • No IRS reporting
  • No age 70 ½ RMD requirement
  • No age 59 ½ early withdrawal penalty
  • No provisions on income causing social security to be taxed
  • No stock market risk
  • No income or contribution limits

Creating wealth through borrowing

When we incur large purchases (house, boat, college education), most people use traditional methods of either saving up for the purchase or borrowing from a bank or other source that incurs financing costs. The problem with these methods is that both leave you with nothing gained (beyond the asset or service purchased) at the end of the transaction. Savers have lost the opportunity to put their money to work and borrowers have paid the hard cost of financing.


Saves money, then pays cash for a major purchase.
The saver misses out on earning interest on savings once the purchase is made.

Saver and Borrower Chart Showing No Gains


Finances the purchase and repays the loan according to the terms of the agreement.
The borrower's goal is always to get back to zero.

Prevail has the knowledge and expertise to tailor our retirement vehicles to allow for borrowing against the cash value of the vehicle without reducing the principal amount and the growth associated with it. This effectively creates wealth from the interest gained on the “unrecognized” loss in cash value.

Wealth Creator Chart for Retirement Savings


Borrows money for major purchases from their retirement investment vehicle, but continues to earn on the total value. When the loans are repaid (with interest), the accumulation in the vehicle is the same as if the money was never borrowed.