Stephen Jeung

Why Most People—Including Teachers—Are Being Sold the Wrong Product If someone has ever handed you an annuity brochure—at a school district meeting, a financial seminar, or a dinner presentation—chances are it was for a variable annuity. Insurance companies have spent decades pushing variable annuities hard, particularly into retirement plans for public employees and educators. And most people have no idea there’s a better alternative. This article breaks down the real differences between a...

Tax-Free Growth. Lifetime Protection. Living Benefits. Zero Market Risk. If you’ve spent any time researching retirement planning, you’ve probably heard a lot about 401(k)s, IRAs, and market-based investing. What most people never hear about — at least not until they sit down with an independent advisor — is Indexed Universal Life insurance. And once they understand what it actually does, the response is usually the same: “Why didn’t anyone tell me about this sooner?” An IUL is a permanent...

Guaranteed Income, Downside Protection, and Why the 4% Rule Is Broken For decades, the conventional wisdom has been simple: put your money in the market, stay the course, and withdraw 4% a year in retirement. It sounds clean. It looks good on a spreadsheet. But when you actually stress-test it against real retirement risk, it falls apart in ways that can seriously damage your financial security. Fixed indexed annuities (FIAs) offer a fundamentally different approach — one that combines...