Mar 29, 2026

Most people saving for retirement have almost everything in one tax bucket — 401(k)s, traditional IRAs, and other qualified accounts where every dollar withdrawn comes with a tax bill. That's not a disaster, but it's inflexible. And inflexibility in retirement is where real problems start.

This episode walks through...

Mar 22, 2026

The life insurance retirement plan — or LIRP — sounds like a special financial product with its own set of rules. It's not. It's a marketing term for something much simpler: an overfunded cash value life insurance policy designed to build wealth you can access in retirement.

That doesn't make it a bad idea. It just...

Mar 15, 2026

"Annuities are too complicated" is one of the most common objections in retirement planning. But that statement treats every annuity as if it's the same product, and they're not even close.

This episode walks through each major annuity type — from single premium immediate annuities and MYGAs to fixed indexed...

Mar 8, 2026

Indexed universal life insurance should outperform whole life insurance over the long run — that's the expectation. But how far do cap rates, participation rates, and spreads need to fall before that advantage disappears?

We ran 30-year rolling scenarios using S&P 500 data from 1980 through 2025 to find out. The...

Mar 1, 2026

If you own a multi-year guarantee annuity that's approaching maturity, your first instinct might be to just let it auto renew. That's worth a second look. The company that offered the best rate when you bought your MYGA is rarely the most competitive option when renewal time comes around.

MYGA interest rates shift...