Forbes contributors publish independent expert analyses and insights. I am the President of Diversified, a CFP and author. Without the right protection in place, even the most well-crafted retirement ...

There’s a common misconception that life insurance is only useful after someone dies. But modern policies can offer powerful ...

Both Roth IRAs and life insurance policies can provide access to tax-free income in retirement. Roth IRAs have income limits, and gains generally can’t be accessed without penalty before age 59½. The ...

Life insurance for the affluent offers tax-free inheritance, investment growth, and wealth protection. Discover these financial strategies to maximize your estate.

The most notable addition to the plan is the Premium Offset feature, which reduces the direct premium-paying burden over time ...

This guide explains how life insurance needs change from youth to retirement. The key takeaway is matching coverage type and ...

Making rash decisions in a time of panic is the worst move you can make. But that does not mean you are without options. Any plan should have some defense in it – maybe some fixed-income investments, ...

Planning for retirement isn’t simple. Many investors and their advisors pore over options, looking for the perfect allocation of stocks, bonds, cash and other assets. “What few of them are thinking ...