Specially prepared for Harbor Modern Dentistry

A retirement benefit your
team will actually thank
you for.

Dr. No — here's a simple way to give your staff a serious, market-protected retirement option that costs your practice nothing and creates zero work for you.

Zero cost to the practice
No admin work
Better retention
Presented by NxtGen Equity  ·  The Retirement Supplement Program
For you, Dr. No

Three reasons practice owners say yes

This isn't a 401(k) and it isn't a plan you have to sponsor or manage. It's a benefit you make available — your team owns and funds their own accounts.
★

Keep your best people

Good hygienists and assistants are hard to find and harder to keep. Offering a real retirement benefit most practices your size don't sets you apart when you hire — and gives people a reason to stay.

✓

Zero admin work

No payroll deductions to set up, nothing for your office manager to run, no adding and removing people. Employees fund their own accounts by automatic transfer. We handle enrollment.

$0

Zero cost to the practice

You don't contribute a dollar unless you choose to. Because these are individually owned policies — not an employer plan — there's no plan-level fiduciary duty on you, either.

For your team

An account that can't go backward

Your employees get an account that grows with the market in good years — and doesn't lose value when the market drops. Two things a regular investment account can't promise.
↗

Tax-free retirement income

Set up correctly, the income they draw in retirement comes out completely tax-free.

🛡

Protected from market losses

A 0% floor means a market crash credits zero — not a loss. Their savings don't go backward.

The difference over a lifetime

Both start at age 30, draw $26,000/yr in retirement from age 65. Here's what happens by age 80.
Traditional investment — $300/mo Retirement Supplement — $250/mo
$0k $100k $200k $300k $400k 65 70 75 80 85 90 AGE AGE 80 $166,000 left $0 — runs out
Traditional InvestmentRetirement Supplement
Monthly contribution (from age 30)$300 / month$250 / month
Retirement income drawn$26,000 / year$26,000 / year
Protected from market losses?NoYes — 0% floor
Income taxed in retirement?YesTax-free
Balance at age 80$0 — runs out$166,000 still left
Comparison based on a National Life Group FlexLife illustration prepared for this concept. The Traditional Investment column assumes a ~6.5% average annual return with no down years and taxable withdrawals; real market returns vary and include losing years, which is precisely the risk the Supplement's 0% floor is designed to reduce. Contribution amounts, the illustrated crediting rate, and all values are not guaranteed and depend on policy charges, carrier-declared caps/participation rates (which change), and the policy remaining in force. Illustrative only — not a projection or promise of future results.
One honest note: if an employee has a 401(k) match anywhere, they should capture that first — it's free money. This program is designed to supplement retirement savings, not replace an employer match.
How it works

Simple for you, simple for them

A short team session

We come to Harbor Modern Dentistry and explain the program to your team in about 30 minutes — over lunch, on your schedule.

Private 15-minute reviews

Any employee who's interested sits down with us one-on-one to see their own numbers. No pressure, no obligation.

They enroll — you do nothing

Each person who says yes funds their own account by automatic transfer. Nothing for your practice to administer.

Let's show your team the numbers.

A 15-minute intro is all it takes to see whether this is a fit for Harbor Modern Dentistry.

Call (714) 494-9313
NxtGen Equity
2900 S. Harbor Blvd, Ste 225, Santa Ana, CA
nxtgenequity.com
“GoFundMe cannot be an option.”
Prepared for Harbor Modern Dentistry. The Retirement Supplement Program uses individually owned FlexLife Indexed Universal Life insurance issued by Life Insurance Company of the Southwest (LSW), a National Life Group company. This material is general education, not tax, legal, or investment advice, nor a recommendation to alter any existing retirement plan. It is life insurance, not an investment or a 401(k); employees should always capture an available employer match before funding supplemental coverage. “Tax-free” income refers to properly structured policy loans and withdrawals under IRC §7702 and depends on the policy remaining in force; loans and withdrawals reduce cash value and death benefit and may be taxable if the policy lapses or is surrendered. The 0% floor applies to index crediting; policy charges still apply and reduce cash value. Guarantees are subject to the claims-paying ability of the issuing company. Clients should consult their own CPA or attorney regarding their specific situation.