Retirement Income Whole Life vs. Bonds: Your Portfolio’s Rate-Hike Hedge September 5, 2026 · Brandon Roberts Short Answer Is whole life a better home than bonds for your “safe” money when rates are rising? For the dollars whose job is to sit stable until you turn them into income, yes. A rate spike cuts a …
Retirement Income Whole Life Insurance vs. TIPS: An Inflation-Resilient Asset You Didn’t Consider August 28, 2026 · Brandon Roberts Every so often the internet decides a financial product is the answer to a problem for one reason and one reason only — its name. Treasury Inflation-Protected Securities are the textbook case. They have the word …
Bonds vs Whole Life: Rebuilding the 60/40 Retirement Plan August 15, 2026 · Brandon Roberts For forty years, one mix has been the default for retirement savers: 60% stocks and 40% bonds. It earned its reputation. What almost nobody asks is why it worked, and the reason matters, because it will not hold for the …
Retirement Income Planning June 12, 2026 · Brandon Roberts Life Insurance vs. Annuities for Retirement Income: Which Strategy Wins? If you have money set aside and you are trying to figure out whether a life insurance policy or an annuity is the better way to generate retirement income, the honest answer is that it depends. …
Annuities & Retirement Income May 10, 2026 · Brandon Roberts Annuity Default Risk: Why Consumers Fear What Almost Never Happens If you have ever paused on an annuity because you were not sure the insurance company would actually pay, you are in good company. New academic research has put a number on exactly how widespread …
Annuities May 4, 2026 · Brandon Roberts Should You Buy a RILA? A Skeptical Look at Buffer Annuities A note before we begin: RILAs are registered securities, and we do not sell them. We sell fixed annuities — SPIAs, MYGAs, and fixed indexed annuities. This article is educational, not a recommendation for or against any …
Whole Life Insurance April 12, 2026 · Brandon Roberts Whole Life Insurance vs Bonds: The Surprising Bond Alternative for Retirement If you held a 60/40 portfolio in 2022, you already know something is broken. The Bloomberg U.S. Aggregate Bond Index lost over 13% that year. Stocks fell nearly 20% at the same time. The 40% …
Retirement Income April 4, 2026 · Updated April 11, 2026 · Brandon Roberts Do Annuities Keep Up With Inflation? It’s the first objection most people raise when guaranteed income comes up in a retirement conversation: sure, the income is guaranteed — but what happens when everything costs more in 10 years? The concern is legitimate. …
Retirement Strategy March 28, 2026 · Brandon Roberts Do You Need Tax-Free Retirement Income? If you’ve spent any time around the insurance industry, you’ve heard the pitch: tax rates are at historic lows, government spending is out of control, and rates have nowhere to go but up. The conclusion is always the same — you …
Life Insurance & Retirement March 22, 2026 · Brandon Roberts LIRP: Smart Strategy or Sales Pitch? If someone has ever sat you down and told you about the life insurance retirement plan — the LIRP — chances are it felt like you were being let in on a secret. A special financial vehicle with its …