Some agents leverage the equity-indexed nature of IUL policies to highlight a “potential for higher returns” compared to other retirement accounts such as a Roth IRA or savings account.

Withdrawals from a Roth IRA before age 59 and a half are also subject to penalty by the IRS. IUL insurance offers some important advantages as part of an overall retirement investment strategy.

A Roth IRA is a powerful tool if you use it correctly, but no employer match, lower limits, and income restrictions make it a ...

Saving for retirement in a tax-advantaged plan makes a lot of sense. Why not reap some IRS benefits in the course of building ...

Employers can’t contribute directly to an employee’s personal Roth IRA, but they can still help with retirement savings in other ways. The SECURE 2.0 Act allows employers to contribute to ...

To illustrate: You might not have been able to contribute to a Roth IRA during your working years due to your income level, but you may get that opportunity as you near retirement, or even when ...

By performing Roth conversions, our clients can reduce the size of their traditional IRAs, enabling them to lower their future RMDs. This can be particularly beneficial for those who anticipate being ...

Unlike traditional IRA accounts (sometimes called contributory IRAs) funded with pre-tax contributions and taxed as money is withdrawn, distributions from Roth IRAs are tax-free. You simply forego ...

You also don’t have to worry about required minimum distributions. It pays to consider a Roth IRA for its flexibility, but look at your total financial picture when making your choice.

The Roth IRA from a tax perspective is seen by many as the "holy grail" of retirement planning vehicles. For those unfamiliar or those that may just be starting out on their investment journeys ...