RAF Strategies works with and for many legal and financial
advisors, including attorneys, CPAs and Certified Financial Planners. Our
specialized knowledge of Indexed Universal Life (IUL) and its uses
offers a unique dimension to estate, tax, and retirement planning.
The Challenge of Designing the Best Retirement
IUL is one of the most under-rated and
misunderstood financial tools available today. We became advocates
of properly structured IUL through years of study, research and
personal experience. But we've also learned that there are
potential pitfalls in structuring the policies to effectively
maximize retirement income, tax benefits, protect capital and
still provide upside growth opportunity. We've sorted through the
competing claims of policy providers to find the best contracts
with the best options.
The Top Ten Reasons CPAs Recommend IUL Over
Traditional Retirement Plans
There is no annual limit to contributions.
You can access the money prior to age 59½
with no penalty.
Unlike traditional retirement plans, funds can
be taken out tax-free any time.
There will be no loss of capital due to market
There are no mandatory minimum distributions.
Money is protected from future increases in
Cash value increases as the market grows.
Gains in value are locked in annually,
Account value benefits from triple compounding
— of principal, interest, and taxes that are eliminated.
Heirs pay no income tax on policy proceeds.
As a legal or financial professional, you are well aware of the
complexity of protecting and growing assets during the volatile
times in which we find ourselves. We believe that IUL offers the
best of both worlds during market uncertainty – guaranteed
protection of investment principal, with the ability to
participate in the upside of the markets.
CPAs Recommend IULs
Watch Our Video - IUL for Advisors
I've been working with Rob for years for his expertise in retirement and estate planning for my clients. His knowledge of how to structure IUL is invaluable. My clients and I have been very pleased with the solutions he's recommended.