Tax Efficient Retirement Income Planning

A comfortable retirement starts with smart planning — and our friendly financial professionals make it easy for all ages. We help you create a personalized retirement plan that fits your life, including wise investments and tax optimization strategies to keep more of what you earn.

With expert guidance at every step, you can navigate complex decisions confidently and enjoy peace of mind about your financial future. It’s never too early or too late to secure the retirement you deserve.

High-Net-Worth Individuals

We help affluent clients protect and grow their wealth through personalized, sophisticated strategies often enabling them to reinvest in businesses and communities close to their heart.

Small Business Owners

We guide business owners in aligning their business success with personal financial health, from exit planning to retirement prep, so that their family and community prosper alongside their company.

Corporate Leaders & Institutions

We support corporate executives and institutional clients with treasury, investment, and benefits planning solutions that drive stability and growth across their organizations and industries.

Emerging Professionals

We empower up-and-coming professionals (mass affluent clients) with tech-savvy tools and advice to build wealth early, helping them lay a strong foundation for long-term financial success.

Retirees & Families

We help retirees turn their lifetime of savings into lasting income, plan for healthcare needs, and create legacies-giving them peace of mind and a roadmap to share their wealth with loved ones.

FAQs

What is Indexed Universal Life (IUL) Insurance?
Indexed Universal Life (IUL) insurance is a type of permanent life insurance policy that offers both a death benefit and a cash value component. The unique feature of IUL is that the cash value’s growth is tied to a stock market index, such as the S&P 500. This means that the cash value has the potential to grow based on market performance, subject to certain caps and floors, providing a balance between growth potential and downside protection.
How does the cash value in an IUL policy grow?
The cash value in an IUL policy grows based on the performance of a specified stock market index. If the index performs well, the cash value increases up to a certain cap. If the index performs poorly, a guaranteed minimum interest rate (the floor) prevents the cash value from decreasing below a certain level. This design aims to provide higher growth potential than traditional whole life policies while offering more protection than direct market investments.
Can I access the cash value in my IUL policy?

Yes, you can access the cash value in your IUL policy through loans or withdrawals. Loans against your policy’s cash value are tax-free and can be used for any purpose, including retirement income or funding a child’s education. However, it’s important to manage these carefully, as excessive borrowing can reduce the death benefit and potentially lead to policy lapse.

Are the premiums for IUL policies flexible?
One of the key features of IUL policies is premium flexibility. You can adjust your premium payments within certain limits, making it easier to manage your policy in response to changes in your financial situation. However, it’s crucial to pay sufficient premiums to keep the policy active and to cover the cost of insurance and other fees.
Is an IUL policy a good investment for retirement planning?

An IUL policy can be a valuable tool for retirement planning, especially for those looking for a combination of life insurance protection and the potential for cash value growth. The ability to grow cash value based on market indices, tax-deferred, while providing a death benefit, makes it an attractive option for some individuals. However, it’s important to consider factors like investment goals, risk tolerance, and the costs associated with IUL policies. Consulting with a financial advisor is recommended to determine if an IUL policy fits into your overall retirement strategy.

Ready to get started?
Contact us today for personalized retirement planning support and let’s build your secure future together.
Schedule Free Financial Analysis