Insurance
Life Insurance Internal Rate of Return
The actual IRR on an overfunded whole life policy next to a savings account or a brokerage, with taxes, fees and the cost of insurance left in.
Borrowing
HELOC vs. 30-Year Mortgage
Run a HELOC strategy against a traditional 30-year mortgage and see which one comes out ahead on your balance and your rate.
Retirement
4% Rule vs. Volatility Buffer
What happens to your safe withdrawal rate when a non-correlated asset sits beside the portfolio and you stop selling into down years.
Tax
Tax-Free vs. Tax-Deferred Growth
The same dollar in a tax-deferred account and a tax-free one, at 10, 20 and 30 years, across the tax rates you might actually retire into.
Insurance
Overfunded Policy Equivalent Value
What rate a taxable account would have to earn to match an overfunded policy once tax, term cost and management fees are counted.
Retirement
Retirement Income Gap
How much guaranteed income you are short each month, and which assets can close that gap without gambling on sequence of returns.
Borrowing
Policy Loan vs. Bank Loan
The true cost of borrowing against a policy compared with a bank loan or a line of credit, including what keeps compounding while you borrow.
Tax
Estate and Legacy Planning
What actually reaches the next generation with a permanent death benefit in the plan versus without one, after tax.
Insurance
Typical vs. Overfunded Policy
The same carrier and the same contribution, designed two ways, side by side. This is the one that shows where the commission goes.