Michael TrefelBuilding wealth in your 40s is not about starting over. It is about building structure around what you already have. This post breaks down exactly what to build and in what order to make the 40s your most financially productive decade.
Michael TrefelMost comparisons of annuity vs IUL try to pick a winner. That is the wrong question. These two products serve different jobs in a retirement plan. This post clarifies which job each one does and how they work together.
Michael TrefelTwo families. Same portfolio. Same average return over 20 years. One runs out of money at 79. The other never does. The difference is sequence of returns risk, the retirement threat nobody explains clearly until it is too late.
Michael TrefelMost retirement plans stop at the 401k and the Roth IRA. A life insurance retirement plan adds a third layer. Tax-free income with no contribution limits, no market risk, and no required distributions.