Most Americans believe retirement planning is about either saving enough to live on or leaving something behind. But what if you could do both, and do it better than Wall Street’s “just invest” advice?In this episode, we break down why traditional retirement strategies, such as “buy term and invest the rest,” often fail to deliver. Backed by an EY research study, we reveal how combining permanent life insurance (PLI) and deferred income annuities (DIA) creates tax-efficient growth, guaranteed income in retirement, and a lasting legacy.
Most Americans believe retirement planning is about either saving enough to live on or leaving something behind. But what if you could do both, and do it better than Wall Street’s “just invest” advice?
In this episode, we break down why traditional retirement strategies, such as “buy term and invest the rest,” often fail to deliver. Backed by an EY research study, we reveal how combining permanent life insurance (PLI) and deferred income annuities (DIA) creates tax-efficient growth, guaranteed income in retirement, and a lasting legacy.
What You’ll Learn:
✔️ Why investment-only retirement plans often fall short
✔️ How life insurance + annuities outperform Wall Street’s advice
✔️ The “sweet spot” formula: up to 30% PLI + 30% DIA
✔️ Why it’s never too late, whether you start at 25, 35, or 45
✔️ How this connects with Infinite Banking principles to build long-term wealth
Chapter:
0:00 - Rethinking retirement: saving vs. leaving a legacy
0:15 - Ernst & Young study on insurance in retirement planning
1:05 - Who Ernst & Young are and why their research matters
3:19 - Life insurance & annuities vs. investment-only strategies
5:07 - Explaining permanent life insurance and annuities
8:04 - Retirement savings gaps and risks by 2030
12:01 - Real-life financial struggles and debt examples
14:07 - Five retirement strategies compared in EY’s analysis
19:20 - Which strategies actually outperform
23:29 - Why integrated insurance strategies work better
27:03 - EY’s “sweet spot”: 30% life insurance + 30% annuities
29:22 - Fan follow shoutout: Robert Kindt
30:24 - Call to action: free cash consultation
Links:
Benefits of Integrating Insurance Products into a Retirement Plan
How life insurers can provide differentiated retirement benefits
If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at:
https://thebankingbros.com/save-and-spend-system-podcast-link
If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition)
https://amzn.to/2ZMw0h6
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