The Honest Trade-Offs of Indexed Universal Life
If you have looked into indexed universal life insurance, you have probably run into two kinds of information: sales pitches that make it sound like a stock…
Read the postNotes from our team.
How we work, what we're learning, and plain answers to the questions our clients ask most.
Retirement Planning ·
The 2027 COLA is the biggest raise in 4 years. It's still not enough.
Social Security just announced a 3.6% COLA for 2027, adding about $75 a month to the average check.
Retirement Planning ·
When care costs outrun income: the LTC squeeze on families
Long-term care prices are climbing faster than retirement income can keep up, turning adult kids into unpaid caregivers and draining family savings.
Retirement Planning ·
The 2027 401(k) limit is rising. Here is your plan.
The IRS is about to confirm higher 2027 retirement contribution limits.
Insurance Planning ·
The coverage you think you have may not *exist*
LIMRA's newest ownership study exposes a dangerous blind spot: millions of families believe they are protected when they are underinsured or simply unaware of…
Retirement Planning ·
Your 2027 COLA raise has a one-day window to survive
The 2027 Social Security COLA lands October 14. Medicare open enrollment opens October 15.
Retirement Planning ·
The Roth catch-up rule high earners can't ignore in 2026
A new rule forces high earners 50+ to route 401(k) catch-up dollars into Roth starting in 2026.
Insurance Planning ·
The 100 million American coverage gap is still open
It is Life Insurance Awareness Month, and the newest LIMRA data shows roughly 100 million Americans still lack adequate coverage.
Insurance Planning ·
The same LTC coverage can cost you 56% more
A 2026 study found identical long-term care coverage priced from $4,591 to $7,173 depending only on the insurer. Same benefits, thousands of dollars apart.
Insurance Planning ·
Half of America is underinsured. Fix the gap before September.
New LIMRA data shows nearly half of Americans are uninsured or underinsured, and most people overestimate the cost of coverage by more than tenfold.
Retirement Planning ·
Annuity sales just hit an all-time high. Here's why.
U.S. annuity sales just shattered every record with a $123.9 billion quarter, the best LIMRA has ever tracked.
Retirement Planning ·
The retirement you didn't schedule: when early exits break the plan
Most retirement plans assume you get to choose your last day of work.
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