Notes
- Retirement2026.08.105 min
Where do I even start with retirement?
Search once and product names bury you. Those come last. Here are the four steps that come first.
- Life2026.08.037 min
Term life vs. whole life: which one fits
It isn't cheap versus permanent. It's about what you're insuring against, and for how long.
- Life2026.07.275 min
One line on the policy beats your will
The beneficiary field causes more trouble than the application ever does. What to check today.
- Annuity2026.07.196 min
So what exactly is an annuity?
Retire and the paycheck stops. This is a contract that creates a replacement — money that arrives every month.
- Annuity2026.07.116 min
Declared rate or indexed: the two kinds of fixed annuity
Neither one loses principal to the market. What differs is how the interest gets credited — and what caps and participation rates take out of it.
- Retirement2026.06.207 min
401(k), IRA, Roth — three accounts with hard names
All three are just savings accounts for retirement. One thing separates them: when you pay the tax.
- Business2026.06.126 min
Four structures business owners actually use
Deductible to the company while protecting the owner and the business. The conditions and the order both matter.