Learn What Your Money Is Doing Before You Retire

Yes, that's exactly what IUL Rescue is for. We'll go through your existing policy together and look at the actual fees, how it's structured, and whether it's performing the way you were told it would. If it's working well, I'll tell you to leave it alone. If it isn't, we'll walk through what your real options are, no pressure either way.

You've probably read the bad press. The honest answer is that there are bad annuities. An annuity is a sophisticated instrument, and it has to be tailored to your needs and your goals to be worth owning. Built well, one can offer tax-deferred growth, protection from market losses, and, depending on the product and its riders, income for life backed by the claims-paying ability of the issuing insurance company. Built badly, it's an expensive product someone sold without ever explaining the fees or the surrender schedule. So ask a narrower question: was the annuity you have right for you, or was it right for the agent who sold it to you?

I'm paid by the insurance carriers I work with, out of their own margin, never billed to you directly. That's a normal, disclosed part of how insurance products are sold. You make money, the carrier makes money, and I make money, with nothing hidden about how that works. There's no fee for a call or a policy review either way.

I work with clients nationwide, not just in one state. If you're outside a state where I'm currently licensed, I can typically obtain the license needed within a short time before we move forward with anything. Reach out and we'll confirm your specific state on the call, before any product or policy discussion starts.

A 30-minute call with me costs you nothing, I'm compensated by the insurance carriers I work with, never by you directly. There's no obligation and no sales pressure. I'll walk through your situation, answer your questions, and let you decide what happens next.

IUL stands for indexed universal life. It's a permanent life insurance policy with a cash value inside it, where the interest credited to that cash value is tied to the performance of a market index such as the S&P 500 instead of being invested in the market directly. Because you don't own the index, a falling index doesn't subtract from your cash value, and a rising one credits interest subject to caps and participation rates that limit how much of the gain you receive. Policy charges come out either way, every year, which is exactly why how the policy was built determines what you actually keep. If you'd like to understand how one works, or how the one you already own works, call Jeff and he'll walk you through it.

Because of what is at stake for the person in front of me. I believe someone at or near retirement should not have to risk the principal they spent a working life building. Warren Buffett is often quoted on his rules for investing: rule one, do not lose principal; rule two, refer to rule one; rule three, refer to rules two and one. That is the standard I hold the money you have already saved to. So I work with insurance products whose guarantees are spelled out in the contract and backed by the claims-paying ability of the company that issues them, and I show you what is guaranteed and what is not before you decide anything. I am not registered to sell securities or to give investment advice, and I will say so plainly rather than stretch to fit. If a securities portfolio is what you want, you want a licensed investment professional for that, and I will tell you so.