What You Need To Know Why hasn't your Financial Advisor informed you of this? The Two Reasons First: Most financial advisors do not have the skill to set up these tax free accounts, or simply do not know they exist. Second: Most financial advisors do not have access to all companies, and only deal with a small handful. With a Tax-Deferred 401(k) or IRA: * You have to pay taxes. * Your money is not liquid. * You are limited to how much you invest. * Your money is not guaranteed. * You are required to report your earnings to the IRS. With a Tax-Free TFRA Account: *You don't pay taxes on growth or principle. *You earn 30-40 times more interest than with regular bank accounts. *There is no Maximum Contribution Amount.