How my client saved $400k+ by diversifying their concentrated portfolio without taxation| separatingvaluefrombias.substack.com
How the Wealthy Use the Tax Code to Maximize After-Tax Growth| separatingvaluefrombias.substack.com
The GLI provides a more tax-efficient, risk-adjusted way to invest in bonds for retirement planning purposes than a taxable account does| separatingvaluefrombias.substack.com
Investing in taxable bonds as a retirement strategy for HNW clients stops making mathematical sense due to the large drag taxes play on bond returns.| separatingvaluefrombias.substack.com
The interest rate risk of bonds negates the value of using them as a long-term hedge against equity risk. Life insurance and annuity products provide this protection.| separatingvaluefrombias.substack.com
Understanding concepts like volatility and correlation can help us maximize risk-adjusted return| separatingvaluefrombias.substack.com
We could create financial and insurance industries that benefit society as a whole, but both the benefits of inequality for the few and the illusions it provides for the many are too hard to give up| separatingvaluefrombias.substack.com
When the incentives of the individual aren’t aligned with the collective, the benefits of one individual must come at the expense of another| separatingvaluefrombias.substack.com
The lack of alignment of interests in the financial advisory and insurance industry prevents clients from getting good advice about using insurance products as financial planning tools| separatingvaluefrombias.substack.com
Both Roth 401ks and permanent life insurance vehicles provide tax-free advantages for high income earners--permanent life insurance just provides for greater contribution amounts and better liquidity| separatingvaluefrombias.substack.com
In explaining how both insurance products and 401k/retirement plans can be used as investment vehicles we compare features of annuities to those of traditional 401k plans| separatingvaluefrombias.substack.com
Understanding the difference between investing in a better life for ourselves versus speculating on the value a future outcome might provide can help prevent us from losing who we are in the process.| separatingvaluefrombias.substack.com
Whole life insurance provides some of the best tax and financial planning benefits to the wealthy--it just comes at the expense of poorer individuals| separatingvaluefrombias.substack.com