Angle: Practical sequencing playbook: when to model Roth conversions, how to assess using IUL cash value for supplemental liquidity, and how to avoid common illustration pitfalls.
When to consider Roth conversions and sequencing
Discuss common triggers for conversions (lower-income years, estate planning windows, anticipated higher tax brackets later) and how to model partial conversions to manage tax brackets. Emphasize using projections—not promises—to estimate future rates and the role of the side-by-side scenario tool.
How an IUL can complement conversion strategies
Explain scenarios where an IUL provides supplemental liquidity or a tax-deferred bucket that can be accessed via loans while preserving some Roth assets. Cover tradeoffs: cost of insurance, potential impact on policy performance, and need to monitor loan interest and policy status.
Modeling and red flags in illustrations
Provide a short checklist for validating vendor illustrations: realistic credited rates, sensitivity to downside returns, explicit fee disclosure, MEC testing, and surrender schedules. Encourage stress-testing plans with the downloadable tool.
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