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 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.
Michael TrefelIUL pros and cons: the real story is about structure, not product. Here is what most advisors miss.
Michael TrefelGenerational wealth is not about how much you accumulate. It is about the system you build around what you have. This post breaks down why most family wealth disappears and what the families who keep it do differently.