The Freedom to Control Your Retirement: Why I Chose an eQRP
If you’ve been following my work at Peak Prosperity, you know I’m passionate about breaking free from systems that benefit the elite while keeping the rest of us trapped. From government overreach to Wall Street’s rigged games, I’ve seen enough to know that the best path to financial freedom lies in taking control of your own destiny. And when it comes to retirement, nothing embodies that principle better than the eQRP.
Let me back up a bit. Like many of you, I started my career hearing the same financial advice: “Get a 401(k), contribute regularly, and let the market do its thing.” For years, I thought I was doing everything right—maximizing contributions, diversifying funds, trusting that some faceless administrator would help me build a secure future.
But here’s the hard truth: Wall Street doesn’t work for us. It works for itself.
The Problem with Traditional Retirement Accounts
Think about it. Most retirement plans offer you a handful of investment options, all tied to the stock market. Want to invest in real estate, physical gold, or that promising small business idea? Too bad. Traditional plans funnel you into mutual funds and stocks because that’s where Wall Street collects its fees.
And it’s not just about limited options. It’s about control—or lack thereof. Ever tried moving funds from your 401(k)? It feels like you’re asking permission to access your own money. As someone who values autonomy, this was the final straw for me. That’s when I discovered the eQRP.
What is an eQRP?
An eQRP, or Enhanced Qualified Retirement Plan, is a game-changer. It’s a self-directed retirement account that puts you in the driver’s seat. Unlike traditional 401(k)s or IRAs, the eQRP gives you checkbook control over your investments. That means you can write a check to invest in assets like real estate, cryptocurrency, physical gold, private equity—pretty much anything the IRS doesn’t explicitly ban.
Here’s the kicker: the eQRP isn’t some fringe, gray-area loophole. It’s fully compliant with IRS rules and built on decades-old legislation. But because it bypasses Wall Street’s fee-collecting machinery, it’s not something your financial advisor will tell you about.
Why I Made the Switch
The decision to roll over my retirement funds into an eQRP was one of the most liberating financial moves I’ve ever made. Here’s why:
- Investment Freedom – With an eQRP, I’m no longer stuck with a menu of cookie-cutter options. I can invest in assets I believe in—whether it’s a rental property in my local market or a piece of farmland halfway across the country.
- Tax Benefits – The eQRP allows me to defer up to $67,500 of income each year (or $135,000 as a couple). That’s a massive tax advantage compared to traditional IRAs or 401(k)s. But even more valuable is the Roth component. My Roth eQRP lets me grow assets tax-free for life and then take them out and use them tax free too!
- Real Assets, Real Returns – One of my biggest frustrations with traditional accounts was watching ever growing fees eat away at my gains. With the eQRP, I can invest in physical assets—like gold or real estate—that offer tangible value and protection against market volatility.
- Control and Simplicity – The eQRP is mine. If I want to invest in a new opportunity, I don’t need to jump through hoops or wait for approval. It’s as simple as writing a check. And thanks to the support of Joel and his team at eQRP, I don’t have to worry about compliance or paperwork—they handle it all.
Who is the eQRP For?
The eQRP isn’t for everyone. If you’re comfortable leaving your financial future in the hands of Wall Street, it might not be for you. But if you’re self-employed, run a small business, or simply want more control over your retirement, it’s worth exploring.
For me, the decision boiled down to this: Do I want to hope the system works for me, or do I want to take charge of my financial destiny? The answer was clear.
My Final Takeaway
Switching to an eQRP isn’t just about retirement—it’s about empowerment. It’s about breaking free from a system that thrives on keeping you dependent and taking ownership of your future.
If you’ve ever felt like your traditional retirement plan is holding you back, I encourage you to learn more about the eQRP. You deserve a retirement plan that works for you, not Wall Street. And trust me, the freedom is worth it.