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An Indexed Universal Life policy is a cash value policy that can be allocated into a particular index. Since the cash value accumulates tax free over time these policies have some similarities to a Roth IRA.

A lot of investors are beginning to ask questions both about the fees they’re paying for advice on their retirement accounts and the hidden costs of the investments within them. The average real expenses is close to 2 percent.

Taxes are likely to be one of, if not the largest expense in retirement. You need to plan ahead if you want to minimize the taxes you will pay during your retirement years. Workers often spend a great deal of time diversifying their investments however tax diversification is often overlooked.

The larger an IRA or 401(k) balance grows, the greater the retirement debt that will be owed in taxes. Also, unlike the interest rate on a home mortgage, the tax rate on future IRA withdrawals is unknown which creates uncertainty. Cash value life insurance can help in this scenario.