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 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 TrefelMost people spend 30 years building a 401k without ever calculating what the tax bill looks like on the way out. This post breaks down the 401k tax trap, why it hits hardest for high earners, and what to do about it.