Have you ever stopped to wonder if all that money you’re putting into your 401k is really the best thing you can do to make sure

Retirement accounts come in many different shapes and sizes, each with its own unique benefits. One type of account that has gained popularity in recent

Jim Harbaugh, head football coach at the University of Michigan, is one of the highest-paid college football coach thanks to an innovative compensation package negotiated

Simply put, CVAT is the acronym for Cash Value Accumulation Test, and GPT is the acronym for Guideline Premium Test. Both of these acronyms have

The rise of federal debt and the likelihood of a high future tax bracket means that people need to take advantage of tax-free income for

As you regularly invest a portion of your paycheck in a 401k, IRA, or other qualified plans, you’ll likely realize that untaxed dollars will become

Would it be important to you if after having a terrible year with your investments, that you could, with one stroke, replace all of your

What is a LIRP? LIRP stands for life insurance retirement plan.  The most used life insurance product for a LIRP is indexed universal life (IUL)

Indexed Universal Life Insurance (IUL) is gaining in popularity year after year because this unique life insurance product provides an affordable death benefit that is

Indexed universal life insurance (IUL) is a permanent life insurance policy that offers a death benefit. Like other types of permanent insurance, your periodic premiums

One of the most important features of any type of life insurance policy is that the death benefit is typically paid to the beneficiary tax-exempt.

The most widespread form of life insurance is for personal use and usually protects a family financially if their loved one dies. Life insurance can

If you’re looking for a type of insurance that offers more freedom and considerable upside potential, you should consider indexed universal life insurance (IUL). This

Indexed Universal Life Policy Loans Indexed Universal Life (IUL) insurance is a unique type of life insurance that has many important features. One of the

You absolutely should borrow against your IUL policy. I would say that the majority of our clients that purchase IUL policies do so to accumulate

Premium financing life insurance is when a third-party loans you money for life insurance premiums. The lender charges interest and the borrower (the policyowner) typically

Indexed Universal Life (IUL) solutions are widely regarded as the fastest-growing segment within the insurance industry. Not only does this type of life insurance typically

Life insurance is valuable to your estate plan if you plan to leave a death benefit for your loved ones. In addition, some life insurance

If you’re looking for a type of life insurance that offers flexibility—as well as the opportunity to have some of the upsides of the stock

Many of our clients today are looking for ways to use indexed universal life (IUL) as a way to build an IUL tax free income

Understanding Whole Life vs Universal Life When searching for a life insurance policy, the choice typically comes down to either a permanent insurance policy or

Guaranteed Universal Life Insurance (GUL) provides certainty in uncertain times. So, who are the best guaranteed universal life insurance companies in 2023? Many people want

Certainly, most people have heard of Progressive Auto Insurance because we are regularly greeted by Flo and Jamie who spend a lot of time hawking

Many companies have started offering indexed universal life insurance (IUL) to their customers for implementing an IUL retirement account. Each IUL company is different. Each

Whether you own a small, medium, or a large business, in today’s economy finding and keeping the best employees can be difficult. All business owners

If you’ve ever thought about retirement planning or purchased life insurance from a reputable agent or financial planner, chances are that “Life Insurance Trust” may

A Premium Deposit Account (also referred to as premium deposit fund) was designed for life insurance applicants who want to deposit a considerable amount of

Borrowing the money from a third-party lender to pay for a large life insurance policy is becoming more popular as lenders look to capitalize on

THE VOLATILITY SHIELD How to Vanquish the 4% Rule & Maximize Your Retirement Income A Financial Novella by David McKnight   If you are a

If you own anything, you have an estate; plain and simple. It doesn’t matter how valuable your estate is or how modest it may be,

In the many articles, we have provided regarding Indexed Universal Life Insurance, we have on many occasions mentioned the modified endowment contract but have not

If you think that your Social Security benefits will be sufficient for you to live on in retirement, think again. And regretfully, even if you

Look Before You LIRP Why All Life Insurance Retirement Plans are Not Created Equal, and How to Find the Right One for You by David

The Power of Zero – How to Get to the 0% Tax Bracket and Transform Your Retirement by David McKnight In the Power of Zero

Are you looking for an alternative to traditional retirement products? Have you found that when you look at the big picture, your IRA, 401(k), Roth

Emergency medicine is a huge category that can encompass many medical specialties. Emergency physicians remain in big demand and as such, they represent some of

Generally speaking, all medical professionals, including medical specialists like urologists, cardiologists, and pulmonologists, earn above average income. In fact, urologists, according to Chron.com, fall in

Internists, commonly referred to as “family doctors,” generally enter start practicing medicine after completing their basic internal medicine training. Since they practice general internal medicine,

Are your contribution restrictions on your retirement planning vehicles causing you to fall short of your wealth accumulation goals? Are you maxing out your 401k

An Indexed Universal Life Insurance policy (IUL) is a permanent life insurance product with flexible premiums which contains a life insurance component and an investment

High-income professionals like our physician clients have distinctive challenges to deal with when planning and saving for retirement. Most of our physician clients express their

Kai-Zen (meaning change for good) is a strategic method that enables you to continue a lifestyle that you enjoy if you were to unexpectedly come

As investors become more conservative after so much volatility in the market, many are turning to a tax-deferred saving strategy which typically leads to a

Are you familiar with Roth IRA conversions? You can take advantage of the enormous potential of indexing to grow and develop your funds safely Take

Most financial advisors you talk to will stress the importance of planning for retirement.  In order to make sure you have enough retirement savings, you

Most insurance advisors will have knowledge of how a 1035 exchange works.  From time to time clients or prospective clients will have a life insurance,

You are probably reading this because someone suggested that you look into a LIRP to help with retirement planning.  It was probably an insurance agent

As we have mentioned before and will discuss again, a life insurance retirement plan or LIRP is a robust financial planning vehicle used by consumers

Shopping for life insurance coverage, specifically indexed universal life insurance, can be a tough decision. When you decide to use IUL for retirement planning, you

Permanent life insurance has been devised to last your entire life (lifetime guarantee) and to provide your beneficiary a payout once you die. Unlike term life

Transamerica introduced the first Indexed Universal Life (IUL) insurance in the late 1990s, and since then it has grown to be over 50% of all

With the vast amount of life insurance companies available today providing coverage, it can be overwhelming when shopping around for life insurance. An insurance company

As an insurance professional with over 25 years experience in the industry, I often have to chuckle and grin when I come across pages of

For those of you familiar with Dave Ramsey and his opinions about life insurance, you may find it interesting that he’s not licensed to sell

Indexed Universal Life Insurance – The Most Expensive or the Best? Once you understand what indexed universal life insurance is all about, you will be

Life insurance is one of the best products that you’ll ever purchase for your family, but it may not be one of the best investments

There are many reasons that you may plan for your death, one being the provision of an income for those that you love so that

Even in this age of online education and wild business success stories told by dropouts who are making millions, nothing can beat a good, well-rounded

In today’s world, changing jobs is not a monumental undertaking. The concept of staying at one job for 30-years is pretty are. In fact, the

In the retirement planning marketplace, the term life insurance vs IUL indexed universal life insurance debate continues. The proponents of IUL are typically insurance and retirement

Previously on this blog, we’ve touched upon using indexed universal life for some seemingly unconventional purposes such as retirement planning and mortgage protection. One of

Life insurance is one of the best investments that you’ll ever make for your loved ones. It’s one of the only ways that you can

Life insurance is one of the most important purchases that you’ll ever make for your loved ones. It’s one of the only ways that you

Tony and Gwen purchased indexed universal life insurance also known as IUL insurance at age 43, here is why… Tony was 43 years old when

When you’re looking to buy life insurance, it can be a confusing and frustrating process. There are several different types of plans that you’ll need

Where is the cheapest place to buy IUL? I get this question from time to time when working with my clients.  The answer may surprise

Life insurance is one of the best safety nets that you could ever buy for your family. It’s one of the only ways that you

If I was 45 years old, would I buy IUL?  You bet I would.  Fortunately, I started buying permanent life insurance when I was 25

Here at Ogletree Financial, we get a lot of questions every year. Some of them are easy to answer, while others are a bit more

When you’re looking to get life insurance, there are dozens of different factors that you’ll have to consider to ensure that you’re getting the best

Life insurance is one of the most important purchases that you’ll ever make for the future of your family. It’s one of the few ways

Life insurance is one of the single most important purchases that you’ll ever make for your loved ones. It’s one of the only ways that

I am a retired real estate agent, who is now in the insurance industry, and now know how important life insurance for realtors can can