Is IUL a Scam? An Honest Look at Indexed Universal Life
Indexed universal life is a real, regulated product, not a scam. But it is oversold and often mis-sold, which is where the bad reputation comes from. Here is the honest version.
IUL vs Roth IRA for Louisiana Savers: Which Tax-Free Bucket Comes First?
IUL and a Roth IRA are not an either-or choice. For most Louisiana savers it is Roth first, then IUL for the money a Roth cannot hold. Here is the honest comparison, with the 2026 limits.
IUL for Louisiana Business Owners: Tax-Free Growth and Creditor Protection in One Account
Louisiana business owners face high liability, a big future tax bill, and no pension. A properly structured IUL can build federal-tax-free income and, under R.S. 22:912, shield the living cash value from creditors in one account.
Is Life Insurance Protected From Lawsuits and Creditors in Louisiana? [2026 Guide]
In Louisiana, a properly structured life insurance policy can protect its cash value from creditors while you are alive, not just pay a death benefit. A complete guide to R.S. 22:912, the nine-month rule, bankruptcy, annuities, and the exceptions, with citations to the actual law.
What Is Bank-Owned Life Insurance? Why Banks Hold Billions of It
The largest U.S. banks hold billions of dollars inside life insurance policies, reported on their public filings. What BOLI is, why banks use it, and what the structure does and does not mean for your own retirement.
Your 401(k) Wasn’t Built for Income. Here Is What It Is Missing.
The honest accounting of what a 401(k) and IRA actually do: a savings tool mistaken for a retirement plan, the silent tax partner inside it, forced withdrawals, sequence risk, and the income piece it was never built to provide.
Retiring in Florida: A Tax Plan for Transplants and Snowbirds
You moved to Florida for the weather and the zero income tax. Here is how to make the residency stick, why Florida is the best place you will ever do a Roth conversion, and how to close the federal gap you brought with you.
The FRS Retirement Guide for Florida State and Local Employees
If you work for the state, a county, a city, or a Florida university, your pension runs through the FRS. A plain guide to the Pension Plan and Investment Plan choice, DROP, the Special Risk class, and the federal tax bill that follows your payout.
The Florida Teacher’s Retirement Guide: FRS, DROP, and the Tax-Free Layer
Florida teachers are in the FRS, and the choices you make about your plan and DROP shape your retirement and your tax bill. A plain guide to the Pension Plan, the Investment Plan, DROP, and the tax-free layer that protects a big payout.
Indexed Universal Life in Florida: An Honest Guide to Who It Fits
Indexed universal life is powerful for the right Florida saver and wrong for plenty of others. An honest guide to how IUL works, the Florida creditor-protection edge, who it fits, and who should skip it.