Retirement Strategy

Are you unknowingly in partnership with the government? You likely are. The government incentivizes tax-deferred programs like 401(k)s and IRAs, encouraging you to delay taxes until retirement—when your savings have grown and taxes are due on the harvest, not the seed. Financial advisors embrace this model because they manage your money, but there’s an argument for an alternative: paying taxes upfront and allowing your money to grow tax-free. While results vary, if you’re conservative and want to avoid future financial pitfalls, consider primary life insurance. It’s a flexible tool with benefits beyond growth, offering protection and long-term stability.