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 TrefelWhole life and IUL are both permanent life insurance. Both build cash value. Both provide lifelong coverage. But they do different jobs. This post breaks down the key differences so you can match the right structure to the right financial goal.
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 TrefelIUL pros and cons: the real story is about structure, not product. Here is what most advisors miss.