How Smart Business Owners Use IUL as a Tax-Free Operating Account That Still Grows
Most business owners leave operating cash in a checking account earning nothing while exposing it to market risk or inflation.
Notes from our team.
How we work, what we're learning, and plain answers to the questions our clients ask most.
Insurance Planning ·
Half of America has a life insurance gap. Here is the fix.
New LIMRA research shows just half of U.S. adults own life insurance, and more than 100 million admit a coverage gap.
Budgeting & Planning ·
A Record Number of Americans Are Raiding Their 401(k)s. Here Is the Order of Operations That Stops It.
In 2025, a record share of workers pulled emergency cash out of their 401(k), the sixth straight year of increases.
Wealth Building ·
America's Banks Hold $220 Billion in Life Insurance. Here Is What They Know That Most Americans Do Not.
Wells Fargo. JPMorgan. Your local community bank. They all hold one asset on their balance sheet that they almost never advertise: cash value life insurance.
Insurance Planning ·
Hantavirus 2026: What the Outbreak Means for Your Family's Finances
A hantavirus cluster linked to a cruise ship has health officials in a dozen countries on alert. The virus itself may stay contained.
Wealth Building ·
How Elite Athletes Use Annuities and Life Insurance to Make Their Wealth Last Forever
78% of NFL players face financial crisis within 2 years of retirement. 60% of NBA players go broke within 5 years.
Insurance Planning ·
Living Benefits: The Life Insurance Feature That Pays You While You're Still Alive
Long-term care costs are the number one cause of personal bankruptcy in America for people over 65.
Retirement ·
War, AI, and Inflation Are Reshaping Retirement Risk. If You Are 60 or Older, This Is the Most Important Article You Will Read This Year.
The Federal Reserve printed $3.3 trillion in 2020 alone. Cumulative inflation since then has eroded 25% of purchasing power.
Mortgage Protection ·
What Happens to Your Mortgage If You Die or Become Disabled?
Most homeowners assume their family will figure it out. Most families are not prepared.
Retirement ·
The Man Who Created the 401(k) Called It a Monster, and He Stopped Using One Himself
Ted Benna invented the 401(k) in 1981. By 2011, he was calling it a monster.
Retirement ·
Social Security Is Running Out in 7 Years, Here's What That Actually Means for Your Retirement
The Social Security trust fund hits insolvency in 2032. Unless Congress acts, that triggers an automatic 24% benefit cut for every retiree in America.
Wealth Building ·
90% of Inherited Wealth Is Gone by the Third Generation. Here Is How to Be the Exception.
Every culture on earth has a version of the same proverb. Shirtsleeves to shirtsleeves in three generations. Rice paddies to rice paddies.
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