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 TrefelEveryone says max your 401k. Almost nobody shows you the full comparison. This post runs the IUL vs 401k math across four layers most advisors never address, and the results are not what conventional wisdom suggests.
Michael TrefelMost people pay life insurance premiums and never think about what that money is doing while they are alive. This post breaks down the cash value strategy that turns a permanent policy into a tax-advantaged financial engine.