Strategies

Each page explains the problem it addresses, how the approach works, what it costs and when it is a poor fit.

Retirement income

How retirement income planning differs from accumulation, including sequence risk, income sources, tax character and the tradeoffs of each approach.

Annuity strategies

A plain language explanation of annuity categories, what each is designed to do, the costs and limitations involved, and when an annuity is a poor fit.

Life insurance

How life insurance is used for protection, business continuity, estate liquidity and tax advantaged accumulation, including indexed universal life and its limitations.

Tax advantaged wealth

How account type, tax character and withdrawal sequencing affect long term outcomes for high income households, and where coordination with a CPA matters most.

Business exit planning

How owners prepare for a sale or transition, why the planning window closes at the letter of intent, and how exit, tax and personal income planning connect.

Capital gains planning

How concentrated capital gains events are analyzed, which approaches are commonly considered, and why timing determines what remains available.

Deferred sales trust

A balanced explanation of how deferred sales trust structures are described to work, the requirements involved, and the risks and criticisms sellers should weigh.

Asset protection

How households and business owners evaluate exposure across liability, entity structure, insurance coverage and titling, and why timing determines legitimacy.

Legacy and transfer

How estate documents, beneficiary designations, titling, liquidity and family communication combine to determine what actually transfers.

Important disclosure

This material is general education, not legal, tax or investment advice, and not a recommendation of any specific product. Consult your own licensed legal and tax professionals before acting.

Last reviewed 2026-08-09 by Tim Parnell.