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Tax-Free Retirement Account








How Valuable Would It Be To Have Robust, Tax-Free Income In Retirement For Life?

Grow and compound your money tax-free

Participate in the uncapped growth of the stock market

Zero risk or exposure to stock market downturns

Zero state or federal income taxes on growth

Tax-free retirement income for the rest of your life

↓ Secure Your TFRA (Tax-Free Retirement Account) ↓


Our TFRA strategy is only available to those households saving at least $1,000/month (or $12,000/year).

Wait a minute. This sounds too good to be true.


Most people don't even know that TFRAs exist. They do. Our financial services company devises and builds TFRAs -- and other helpful, little-known strategies -- for our clients every day.


Emerald Tide Financial is Different. Here's Why.


I started my own financial services company to help my clients pursue their goals with new and exciting financial strategies.

I walked away from a robust pension and benefits package so I would not be limited by any one product, service, or company.

Our strategies put our clients' best interests first. They are designed to help clients work towards their goals in a more tax-efficient manner.

Many other financial professionals may not know about, or have access to some of these strategies. The vast majority of my clients have never seen them before we started working together. My team and I are excited to share these strategies with you.

Let's turn the tide in your direction. Neil Gronowetter Founder & CEO of Emerald Tide Financial



With a Tax-Deferred 401(k) or IRA:

You have to pay taxes (upfront or at the end—either way you will be taxed).

Your money is not liquid (you can’t access your money any time you want. If you do take your money out, you’re fiscally penalized if you are still working and don't return your money within 60 days).

You are limited to how much you invest (plans with most tax benefits have funding limits).

Your money is not guaranteed against loss by an investment-grade financial institution. 

You are required to report your earnings to the IRS when you withdraw your money.

With a Tax-Free Retirement Account (TFRA) :

You don’t pay taxes on growth or principal. Ever. (This is 100% legal if your TFRA account is set up correctly, and structured according to current IRS tax-code.)

You participate in the uncapped growth of the stock market - with a ZERO FLOOR. In the event the market is negative, an investment-grade financial institution guarantees that your cash will not go backward.

Your money is liquid (All money put into and made in your account is cash—you can withdraw any amount—at any time—without penalty).

You are not required to report earnings to the IRS. (The IRS doesn’t classify income as “income” inside this kind of account. Not Uncle Sam’s business.)



A TFRA is NOT available just to the super-rich.


Vanderbilt Financial Group is the marketing name for Vanderbilt Securities, LLC and its affiliates. Securities offered through Vanderbilt Securities, LLC. Member FINRA, SIPC. Registered with MSRB. Clearing agent: Fidelity Clearing & Custody Solutions. Advisory Services offered through Vanderbilt Advisory Services & Consolidated Portfolio Review. Clearing agents: Fidelity Clearing & Custody Solutions, Charles Schwab & TD Ameritrade. Insurance Services offered through Vanderbilt Insurance and other agencies. For additional information on services, disclosures, fees, and conflicts of interest, please visit www.vanderbiltfg.com/disclosures. All investing involves risk including the possible loss of principal. Any reference(s) to guarantees refers to an insurance product and never securities or investments. Our TFRAs are built inside indexed universal life insurance policies. All contract guarantees and payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company.

Our TFRA strategy is only available to those households saving at least $1,000/month (or $12,000/year).

Wait a minute. This sounds too good to be true.

Most people don't even know that TFRAs exist. They do. Our financial services company devises and builds TFRAs -- and other helpful, little-known strategies -- for our clients every day.

Emerald Tide Financial is Different. Here's Why.

I started my own financial services company, Emerald Tide Financial, to help my clients pursue their goals with new and exciting financial strategies.

I walked away from a robust pension and benefits package so I would not be limited by any one product, service, or company.

Our strategies put our clients' best interests first. They are designed to help clients work towards their goals in a more tax-efficient manner.

Many other financial professionals may not know about, or have access to some of these strategies. The vast majority of my clients have never seen them before we started working together. My team and I are excited to share these strategies with you.

Let's turn the tide in your direction. Neil Gronowetter Founder & CEO of Emerald Tide Financial

With a Tax-Deferred 401(k) or IRA:

You have to pay taxes (upfront or at the end—either way you will be taxed).

Your money is not liquid (you can’t access your money any time you want. If you do take your money out, you’re fiscally penalized if you are still working and don't return your money within 60 days).

You are limited to how much you invest (plans with most tax benefits have funding limits).

Your money is not guaranteed against loss by an investment-grade financial institution. 

You are required to report your earnings to the IRS when you withdraw your money.

With a Tax-Free Retirement Account (TFRA) :

You don’t pay taxes on growth or principal. Ever. (This is 100% legal if your TFRA account is set up correctly, and structured according to current IRS tax-code.)

You participate in the uncapped growth of the stock market - with a ZERO FLOOR. In the event the market is negative, an investment-grade financial institution guarantees that your cash will not go backward.

Your money is liquid (All money put into and made in your account is cash—you can withdraw any amount—at any time—without penalty).

You are not required to report earnings to the IRS. (The IRS doesn’t classify income as “income” inside this kind of account. Not Uncle Sam’s business.)


A TFRA is NOT available just to the super-rich.

Vanderbilt Financial Group is the marketing name for Vanderbilt Securities, LLC and its affiliates. Securities offered through Vanderbilt Securities, LLC. Member FINRA, SIPC. Registered with MSRB. Clearing agent: Fidelity Clearing & Custody Solutions. Advisory Services offered through Vanderbilt Advisory Services & Consolidated Portfolio Review. Clearing agents: Fidelity Clearing & Custody Solutions, Charles Schwab & TD Ameritrade. Insurance Services offered through Vanderbilt Insurance and other agencies. For additional information on services, disclosures, fees, and conflicts of interest, please visit www.vanderbiltfg.com/disclosures. All investing involves risk including the possible loss of principal. Any reference(s) to guarantees refers to an insurance product and never securities or investments. Our TFRAs are built inside indexed universal life insurance policies. All contract guarantees and payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company.