Knowledge Base
Roth conversions, rollovers, contribution strategies, and the retirement account structures that optimize your tax position over a 40+ year horizon.
39 articles in this category — page 4 of 4
The short answer: no, and attempting it triggers a tax event that can cost you six figures in a single year. Using a Roth IRA as collateral for a loan is explicitly prohibited under IRC §408(e)(4), and the IRS treats the pledged amount as an immediate distribution, not a future risk.
IUL structuring is the process of calibrating death benefit, premium funding levels, and index crediting options to achieve a specific financial outcome, whether that is tax-free retirement income, estate transfer, or both. For someone at the $5M+ level, the structuring decisions made at policy ince
IUL surrender charges are not a minor administrative fee. On a $2M policy in year three, a 12% surrender charge is $240,000 out of pocket before you account for the ordinary income tax on any gain above your cost basis. At the 37% federal marginal rate most readers here face, that tax bill can add a