The structures that produce tax-free retirement income.
A plain-English explainer of how indexed universal life actually works, from the floor and cap that shape your growth to the cost of insurance, how cash value builds, and how you turn it into tax-free income.
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 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.
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.
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.
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.
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.
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.
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 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.