Tax-Free Retirement for High Earners | IUL vs. 401(k) Limits
By: Dora Wysocki Published on: 11/01/2026Maxed out your 401(k)? Discover how high earners use Indexed Universal Life (IUL) to bypass contribution limits and build tax-free wealth with a 0% market floor.
Executive Benefits for High Earners: Advanced Compensation Strategies Beyond the 401(k)
By: Dora Wysocki Published on: 06/01/2026This blog post explores how business owners can use Executive Bonus Arrangements funded by life insurance to reward and retain top-tier talent. It breaks down the tax advantages for employers, such as tax-deductible bonuses , and the benefits for executives, including portable coverage and tax-deferred cash value accumulation. The post also introduces advanced strategies like Restricted Executive Bonus Arrangements (REBA) to create "golden handcuffs" and ensure long-term executive loyalty.
Tax-Free Wealth Transfer: Life Insurance as the Ultimate Legacy Tool
By: Dora Wysocki Published on: 20/12/2025Estate Preservation: How insurance creates an immediate, tax-free pool of capital to cover estate taxes and protect family assets from being liquidated. Tax-Advantaged Growth: A look at the "Tax-Advantaged Structure," detailing how policyholders benefit from tax-deferred growth on cash value and a tax-free death benefit for beneficiaries.
The RMD Tax Trap: How Unplanned Withdrawals Can Ruin Your Retirement Introduction: The Savings Success That Becomes a Problem
By: Dora Wysocki Published on: 20/12/2025New Discover how Required Minimum Distributions (RMDs) can trigger a "tax bomb" in retirement by pushing you into higher tax brackets and increasing Medicare premiums. This guide explains the hidden costs of RMDs—including the IRMAA surcharge and the Social Security tax torpedo—and provides proactive strategies like Roth conversions and QCDs to protect your retirement savings. Post Description
