For Advisors

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 Plan

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

1. There is no annual limit to contributions.

2. You can access the money prior to age 59½ with no penalty.

3. Unlike traditional retirement plans, funds can be taken out tax-free any time.

4. There will be no loss of capital due to market downturns, ever.

5. There are no mandatory minimum distributions.

6. Money is protected from future increases in tax rates.

7. Cash value increases as the market grows.

8. Gains in value are locked in annually, forever.

9. Account value benefits from triple compounding — of principal, interest, and taxes that are eliminated.

10. 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.

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.

R. L. | CPA