Wealth Academy
Welcome to the Wealth Academy. Here we have included a few short videos and some important information for you to get familiar with life insurance products and how they work. If you're serious about protecting your wealth and future, watch these videos that explain how.
What is an IUL?
Indexed Universal Life (IUL) insurance is a permanent life insurance policy that offers both a death benefit and a cash value component. The cash value grows based on a stock market index (e.g., S&P 500) but includes protection against market losses. These IUL policies provide flexible premiums, allowing policyholders to adjust payments as needed. They offer tax-deferred growth, meaning you don’t pay taxes on cash value gains until withdrawn. Policyholders can borrow or withdraw funds from the cash value for financial needs. Often used for wealth building, retirement income, and estate planning, IUL ensures long-term financial security for you and your loved ones.
Roth IRA vs. IUL
Most people think it’s either a Roth IRA or an IUL — but what if both serve totally different purposes? In this video, I break down how Roth IRAs and Indexed Universal Life insurance work, their pros and cons, and how high-income earners are using IULs as a flexible, tax-free strategy once they’ve maxed out traditional retirement accounts. If you’re looking to build wealth and protect your money — this one’s for you.
What are Annuities?
An annuity is a financial product that provides regular payments over time, often used for retirement income. It comes in different types, including fixed, variable, and indexed annuities, each offering unique growth potential and risk. A key benefit is tax-deferred growth, allowing funds to accumulate without immediate taxation. Annuities can guarantee income for a specific period or for life, ensuring financial security. They also help protect against market volatility, providing a more stable investment option. With predictable income and flexible payout options, annuities support long-term financial planning and retirement stability.
IUL vs. 401(k)
Indexed Universal Life (IUL) offers tax-free withdrawals, flexible premiums, and market protection, while a 401(k) provides tax-deferred growth with employer contributions but has early withdrawal penalties. Choosing the right option depends on your retirement and wealth-building goals.
