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Sunday, September 25, 2022

Putting a Pacific Life IUL Under the Microscope–Historical Stress TestsAside from Roth accounts (Roth IRAs (including conversions) and 401Ks), the only other tax-free planning tool for retirement purposes is what is commonly...

Saturday, September 24, 2022

What Do Historical Simulations Reveal About an Allianz IUL/LIRP Illustration?

Thursday, April 22, 2021

Creating Tax-free Multi-generational WealthPreparing for retirement is filled with assumptions and “what ifs.” As you try to come up with that magical number you need in the future...

Thursday, February 4, 2021

When to claim your social security benefits is a strategic and vital consideration. Unfortunately, the good folks at your local social security administration office are likely to be of little help. Not only are they not trained in...

Monday, February 1, 2021

What type of company should you choose for your LIRP? What are typical fees and how do they work? What is the best way to access my LIRP's value? Get transparency...

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Sunday, January 10, 2021

Read about some common enhancements that many LIRPs offer that can make an even greater positive difference in your financial well-being.

Saturday, January 9, 2021

How do LIRPs function internally? How do they earn tax-free gains and protect you from market losses? See several examples...

Friday, January 8, 2021

What types or Life Insurance Retirement Plans (LIRPs) exist and which one is right for you?

Monday, January 4, 2021

If the first 3 parts of this post disturbed you, we get it. So, what should we do? What if Ryan and Jen decided to forgo the upfront "tax-savings" (or, forgo creating a tax tumor) by using an after-tax retirement vehicle, like a Roth...

Wednesday, December 30, 2020

We think you’re with us a far as how things breakdown, so we’re going to continue this example in summary form, as we did in Part 2. Example 3: John and Erin Time horizon until retirement: 12 years Annual amount to save:...

Tuesday, December 22, 2020

In Part 1, we put forth an example of the full equation of saving for retirement with our example couple, Ryan and Jen. We saw that all the tax-savings they achieved by saving for retirement in a pre-tax manner (through a 401K) are...

Wednesday, December 16, 2020

How Much Does My 401K Save Me In Taxes? We're glad you asked. Our focus at Axios Capital Strategies is tax-free retirement income. While we employ many strategies, tax-free planning is our core competency. To the greatest extent...

Wednesday, December 9, 2020

Potential Equity Style Returns with Less Risk and Volatility Much has been said about the wisdom of utilizing index portfolios/funds (whether mutual funds or ETFs) rather than managed portfolios due to the former’s lesser costs...

Friday, December 4, 2020

In part 1, we discussed the pros and cons of The Taxable Column. In part 2, a lengthy discussion was had for the same regarding The Tax-deferred Column. Finally, we come to the third category of financial vehicles called The...

Wednesday, December 2, 2020

Tax-deferred vehicles, such as 401K and IRAs, could be renamed "tax-procrastination vehicles". While they have some advantages, they are fraught with pitfalls many have never considered.

Tuesday, December 1, 2020

“How will taxes affect my financial accounts and retirement?” Not surprisingly, they have a huge impact on the growth and distribution (income) of your retirement. Surprisingly, most people get this piece wrong in their planning...

Sunday, November 29, 2020

Imagine paying taxes on 85% of your social security income at your highest marginal tax bracket. Which retirement accounts in your portfolio are causing your social security to unnecessarily taxed?

Saturday, November 28, 2020

How many times have you looked at the average returns of an investment? Shockingly, the actual returns can drastically vary from what you see on the surface...