Deluctus Insurance &
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Deluctus Insurance &
Financial Services

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Home
Our Mission
Our Expertise
Our Process
Strategic Retirement Plan
Living Benefits
Mortgage Protection
Final Expense
College Funding
Debt Elimination
Business Preservation
Business Strategy
Business Optimization
Business Debt Reduction
Key Person & Partnership
Executive Benefits
Non-Profit Financial
Tax-Free & Tax-Efficient
Non-Profit Staff Benefit
For-Profit Business
Charitable Remainder
Planned Giving
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  • Home
  • Our Mission
  • Our Expertise
  • Our Process
  • Strategic Retirement Plan
  • Living Benefits
  • Mortgage Protection
  • Final Expense
  • College Funding
  • Debt Elimination
  • Business Preservation
  • Business Strategy
  • Business Optimization
  • Business Debt Reduction
  • Key Person & Partnership
  • Executive Benefits
  • Non-Profit Financial
  • Tax-Free & Tax-Efficient
  • Non-Profit Staff Benefit
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  • Home
  • Our Mission
  • Our Expertise
  • Our Process
  • Strategic Retirement Plan
  • Living Benefits
  • Mortgage Protection
  • Final Expense
  • College Funding
  • Debt Elimination
  • Business Preservation
  • Business Strategy
  • Business Optimization
  • Business Debt Reduction
  • Key Person & Partnership
  • Executive Benefits
  • Non-Profit Financial
  • Tax-Free & Tax-Efficient
  • Non-Profit Staff Benefit
  • For-Profit Business
  • Charitable Remainder
  • Planned Giving

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Tax-Free & Tax-Efficient Retirement Strategies

Empowering Those Who Serve: Honoring the Lifetime Impact of Non-Profit & Public Employees

Pastors, non-profit leaders, teachers, municipal workers—these are the people who 

serve others.

But too often, when retirement comes, they are the least financially prepared.


Why?


Because traditional retirement systems weren’t built for:

✔ irregular income
✔ housing allowances
✔ ministry compensation
✔ donor-supported pay structures
✔ underfunded public plans
✔ non-profit budget constraints


DeLuctus changes that.

Retirement Should Be Peaceful—Not Stressful

You’ve spent your life pouring into others.

Your retirement should finally pour into you.


We design strategies that give pastors and non-profit employees:

✔ tax-free income
✔ predictable growth
✔ protection from market losses
✔ lifetime income options
✔ retirement security without complexity

Our Retirement Tools Include:

✔ IUL and Roth IUL for 403(b), Roth 403(b), and 457(b)

Grow tax-free income with no market downside.


✔ Annuities for Lifetime Income

Security that lasts as long as your ministry or career has.


✔ Pastoral Housing Allowance Integration

Maximize tax-free benefits—legally and powerfully.


✔ Non-profit Staff Benefit Programs

Retention-focused plans to honor and reward long-term service.

You Spent Your Life Serving Others—Now Let Your Money Serve You

You deserve a retirement built on dignity, security, and freedom.


DeLuctus helps you end well—and live well.

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