A solid retirement strategy may include Indexed Universal Life (IUL) policies or annuities. IUL policies provide both life insurance protection and potential cash value accumulation based on stock market movements. While they offer tax advantages, they may come with higher fees. Annuities, in contrast, prioritize guaranteed income, ensuring financial stability in retirement. However, ... https://www.federalpensionadvisors.com/post/iul-vs-annuity