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 TrefelMost 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.
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.