Social Security Benefit Cuts in 2032? How to Prepare Your Retirement Income
Social Security faces a projected 2032 retirement fund shortfall. Learn what a potential 22% benefit reduction could mean and how to plan additional income.
How Much Should I Save for Retirement at 40? Compare Starting Now With Waiting
Saving for retirement at 40? Compare starting now with waiting, and see how an IUL JUMP illustration can help evaluate your future income goal.
Is the IUL JUMP Strategy Worth It? The Full Retirement Math Test
Is the IUL JUMP Strategy worth it? Don’t answer that from one illustration or a 300% retirement-income claim. Put the strategy through the full retirement math test, including funding, loans, charges, underwriting, taxes, weak crediting, longevity, retirement income, and legacy.
Can the IUL JUMP Strategy Really Produce 300% More Retirement Income?
Can an IUL really produce up to 300% more retirement income than a 401(k) or IRA? In certain modeled comparisons, the IUL JUMP Strategy has produced results in that range. But the 300% isn’t the answer. The assumptions and mechanics creating the difference are what you need to understand.
What Happens to After-Tax 401(k) Money When You Retire?
Have after-tax contributions inside your 401(k)? Before rolling the whole account into an IRA, learn why pretax and after-tax dollars may deserve different destinations at retirement.
Does a Roth Conversion Reduce Estate Taxes?
Does converting an IRA to Roth reduce estate taxes? Learn why Roth conversions can change the income-tax character of an inheritance without automatically removing assets from your taxable estate.
Roth Conversion or NUA? What If Your 401(k) Holds Company Stock?
Have company stock inside your 401(k)? Before rolling everything to an IRA or Roth, compare Roth conversion planning with the special NUA tax rules that may apply to employer securities.
Pay Off Your Mortgage or Use the Cash for a Roth Conversion?
Have enough cash to pay off your mortgage before retirement? See why using that money for the house can change your Roth conversion strategy, liquidity, and long-term retirement math.
How Does Sequence-of-Returns Risk Affect a Roth Conversion?
Retiring into a bad market? Learn how sequence-of-returns risk can change the way you think about Roth conversion amounts, taxes, cash reserves, and portfolio withdrawals.
Can a Donor-Advised Fund Help With Roth Conversion Taxes?
Planning a Roth conversion and significant charitable giving? Learn how a donor-advised fund may let you bunch donations into a conversion year and why the math still needs to be tested.