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 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.
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 TrefelTax rates are rising. Here's what smart tax-free retirement planning looks like now.