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.
IUL With a Pension: Does It Still Make Sense for Retirement?
Already have a pension? An IUL should not simply duplicate what the pension already does. See how to test whether it adds meaningful retirement-income flexibility, tax diversification, life insurance protection, or legacy value.
IUL for Doctors: Does It Make Sense After Maxing Out Retirement Accounts?
You’ve maxed out the retirement accounts and your income is finally where you worked years to get it. Should an IUL be the next retirement bucket? Here’s the math doctors should see before making that decision.
Can an IUL Replace a 401(k) for Retirement?
Can an IUL replace a 401(k) for retirement? Not literally. But a properly designed IUL may potentially perform some of the retirement-income functions people expect from a 401(k). Here’s how to compare the two without confusing fundamentally different strategies.
IUL vs. Roth IRA for Retirement: Which Strategy Makes More Sense?
IUL vs. Roth IRA isn’t a simple either-or decision. Compare contribution rules, taxes, investment growth, policy loans, costs, death benefits, and retirement income.
What Is the IUL JUMP Strategy and How Does It Work?
The IUL JUMP Strategy uses a Matching Indexed Participating Loan feature designed to change how policy loans interact with indexed crediting. Learn how the strategy works, what the projections mean, and what can go wrong.
Should I Do a Roth Conversion If I Have a Large HSA?
Have a large HSA and traditional IRA? See how medical expenses, Medicare, Roth conversions, future RMDs, liquidity, and different tax buckets can work together in retirement.