Retirement Income Planning: The Question Nobody Asked You for 30 Years

Michael Trefel

Published on: 16/06/2026

Most retirement plans are built around accumulation. Almost none are built around income. This post breaks down the retirement income planning framework that ensures your money lasts, and the three income streams that make it possible.

retirement planning

Your Life Insurance Policy Is Doing One Job. It Could Be Doing Four.

Michael Trefel

Published on: 03/06/2026

Most 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.

Index Universal Life Insurance