Frequently Asked Questions
1. Is a “tax-free retirement” really possible?
When properly structured and funded, certain life-insurance-based strategies can provide an income tax-free retirement income and an income tax-free death benefit, according to IRS Codes 101 and 7701, under current law. Results depend on product design, costs, funding discipline, and policy performance. This isn’t a one-size-fits-all solution, and it can provide a lot more after-tax income than qualified plans.
2. What’s the catch?
There are policy costs, rules, and risks (e.g., changes in credited interest, index caps, policy lapse if underfunded, loan interest, surrender charges). That’s why illustrations, funding guidelines, and ongoing reviews are essential.
3. Do you work with my CPA or attorney?
Yes. I encourage coordination so your plan fits your tax and estate picture.
4. Where are you licensed?
Arkansas, Florida, Georgia, Louisiana, Mississippi, and Texas.