Posts by Rachel Marshall
Indexed Universal Life Insurance Is Not for Everyone: Who Should Not Buy an IUL
IUL gets pitched to young professionals, families, business owners, retirees, and pretty much everyone in between. The message is always consistent: this product can solve your financial problems, provide market upside with downside protection, and generate tax-free retirement income. One product, all things to all people. For most people, IUL is the wrong tool entirely.…
Read MoreWhen Financial Complexity Hurts More Than Helps
There’s a belief in the financial world that complexity equals sophistication. The more moving parts a strategy has, the smarter it must be. The harder it is to understand, the more impressive the advisor must be. And if you can’t quite follow what’s happening with your own money, well, that’s just the price of having…
Read MoreSave Automatically & Invest Intentionally: The Order That Changes Everything
You set up your 401(k) contributions years ago. They go out of your paycheck automatically, before you even see the money. You’ve been doing this for years. And you’ve been telling yourself you’re saving for retirement. You’re not saving. You’re investing. Automatically, often without much thought, into a market-linked account where the value can drop…
Read MoreWhole Life Dividends Explained: What They Are – and What They Are Not
When most people hear “dividend,” their brain goes straight to stocks. That’s understandable. And completely wrong when applied to whole life insurance. That one assumption causes real problems. People chase companies with the highest declared dividend rate. They compare illustrations side by side and pick the bigger number. They make decisions based on a metric…
Read MoreBoost Investment Returns with Infinite Banking
Every investor faces the same quiet trade-off. The moment you move capital from savings into a deal, the money stops growing where it was. It is now in the deal,or it is in the bank, but it is not doing both. That is the either/or trap of conventional investing, and almost nobody questions it. There…
Read MoreUsing IUL for Retirement: Smart Strategy or Costly Mistake?
You’ve probably seen the pitch. Maybe you sat across from an advisor, or watched a video, or had a friend forward you something. The illustration was impressive: tax-free income in retirement, market upside without the downside, a number at the end that made your eyes widen a little. An Indexed Universal Life policy, they said,…
Read MoreWhat Is Limited Pay Life Insurance?
What Is Limited Pay Life Insurance? Most people assume that owning a whole life insurance policy means writing premium checks for the rest of their lives. It’s one of those assumptions that gets repeated so often it starts to feel like a rule. But it isn’t. A limited pay life insurance policy lets you fully…
Read MoreWhat Is an Indexed Universal Life (IUL) Policy?
Few financial products generate as much excitement (or possibly as much confusion) as indexed universal life insurance. IUL insurance has become one of the most aggressively marketed policy types in the industry, pitched with language that sounds almost too good to overlook, including terms such as market-linked upside, downside protection, tax-advantaged growth, and flexible premiums.…
Read MoreFinancial Literacy for Gen Z: Why Game-Based Learning May Be the Better Way
What an Old Game Revealed About Real Money Decisions One of the most interesting moments in our conversation with Lucy Taylor had nothing to do with spreadsheets, calculators, or even investing. It was a game. Bruce brought up Oregon Trail—an old-school game where every decision mattered. How many supplies would you take? How much risk…
Read MoreInfinite Banking Policy Design for Long-Term Results
If You’re Chasing Early Cash Value, Read This First Bruce and I were recording across three time zones, and that detail matters more than you might think because it mirrors what most families are trying to do with their money – coordinate a life that spans seasons, responsibilities, and decades, while the financial world keeps…
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