Stonewood Financial

Today's IUL is very different - in design and use - from many of the UL products of the past.

But a recent Wall Street Journal article, "It's the Hottest Thing in Life Insurance. Are Buyers Aware of the Risk?" seems to miss that point altogether.

I’m sure you run across clients who are true followers of Dave Ramsey. These clients are committed to getting debt-free in all aspects of their finances.

But Ramsey and his followers overlook a HUGE debt nearly every American carries: Their debt to Uncle Sam.

In December, Congress passed a bill that could transform your practice in 2018 and beyond.

I’m talking, of course, about the tax bill, the most sweeping overhaul of our nation’s tax code in more than 30 years.

There’s been a lot of chatter lately (particularly from whole life producers) about the effectiveness of AG 49. Most of the talk is centered around the question: Are IUL max illustrated rates still too high?

We all agree financial professionals should get paid for their work. But our industry is torn over how we get paid.

It’s a long-standing question: Is it better consumer value for advisors to be paid through commission on the products they sell, or through fees on the funds they manage?