I write about money the way I would explain it to family.
Life, disability, and annuities. Retirement, public markets, private funds, bonds, and options. Documents and arithmetic. Not a pitch deck.
Nothing on this site is an offer of advisory services. Quote and apply on Insurance is the one place a policy can be priced. I may be paid if you buy.
Two subjects. The writing is in Resources.
Three rules I hold myself to.
A policy and a fund agreement are where the surprise was written down. I start there.
Fees, a capital call, a surrender schedule, a 30% year next to a withdrawal. I run the numbers before I say what I think.
It exists so you can ask a better question of whoever already has the account. It is not Verus. It is not a calendar.
Most of the damage was in a sentence nobody asked me to read.
Recently published.
Own-occupation, any-occupation, and the sentence that decides which one you bought.
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