Category: podcast

If you have the lion’s share of your wealth in a tax-deferred bucket, you have actually played your cards perfectly. You probably allocated that money at a time when tax rates were likely higher, and right now tax rates are at historic lows. This is…

The internet is full of naysayers that are convinced the Indexed Universal Life Insurance Policy (IUL) is a ticking time bomb, but the question is “what does the evidence show?”. Over the last fifteen years we’ve seen catastrophic market…

In a recent video a high school senior called in to Dave Ramsey’s show where he offered some good advice but also played down the severity of the nation’s debt crisis. Dave refers to two different books on how the national debt was going to ruin…

A recently published study claims that taking income from permanent life insurance and annuities in retirement can create a better outcome for investors.  Ernst & Young compared five different strategies including investments only,…

IUL and whole-life policies both have their place. Whole-life advocates prefer it because your cash value is guaranteed to increase each and every year as the IUL has growth that is tied to the upward movement of a stock market index. The downside to…

Janet Yellen appeared in front of a Senate Finance Committee in March where explosive testimony erupted when a senator from Louisiana asked a line of questions regarding the impending insolvency of Social Security. The Social Security Trust Fund is…

David breaks down the 5 biggest IUL mistakes people make and how to avoid them.  He starts the conversation by explaining the impact IULs can have on tax-free retirement when used correctly.  Mistake #1 – Getting an IUL through the wrong…

David sits down with certified financial planner Mark Byelich to discuss how to avoid over-converting your Roth IRA. They start the conversation by describing how over-converting your Roth IRA could sink your retirement plan.  According to David,…

David sits down with certified financial planner Mark Byelich to discuss why the middle class could soon be paying 45% effective tax rates. When asked what investors should pay attention to in 2023, David says it’s now do or die for those looking to…

David sits down with financial advisor Daniel Rondberg to discuss how to dramatically lower the tax bill on your Roth conversion.  They start the conversation by describing why the Power of Zero message is crucial to tax-free retirement….