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Why CPAs and Tax Attorneys Call a Max-Funded IUL the "Rich Person’s Roth" As a financial strategist with over a decade of experience helping Americans optimize their wealth, I’ve seen one financial tool consistently rise above the rest: the "max-funded Indexed Universal Life (IUL) insurance policy", often dubbed the "rich person’s Roth" by CPAs and tax attorneys. This powerful vehicle delivers all the tax-free benefits of a Roth IRA—growth and withdrawals—while offering four unique advantages that make it a superior choice for building and accessing wealth. Let’s explore why a max-funded IUL, also known as a Laser Fund, is a game-changer for retirement planning and legacy building. Understanding the Four Buckets of Retirement Income To appreciate the value of a max-funded IUL, it’s helpful to understand the four main sources of retirement income, or "buckets," that most Americans rely on: 1. Investment Income (Purple Bucket): This includes IRAs a...

The Tale of the 401(k) Crossroads: Three Travelers and Two Tax Warriors Once upon a time, in the land of Retirement, there stood a great treasure chest known as the 401(k). For thirty years, diligent workers had poured their gold into this chest, dreaming of the day they could rest and enjoy its bounty. But when the sun rose on their retirement, a daunting question loomed: *What do I do with my 401(k) now?* I’m Aju John, a guide through the wilds of financial strategy and retirement planning. For over a decade, I’ve helped families navigate these paths, outsmart tax dragons, and grow their wealth with cunning plans. Today, I’ll share a tale of three travelers who faced this very question at the crossroads of their 401(k) destiny—and two warriors who battled the tax beast in retirement. Gather ‘round, for this story holds the keys to your financial future. The Three Travelers at the Crossroads When retirement dawned, every adventurer with a 401(k) faced three paths. Each path was guarde...