Trawick On Point

Indexed Universal Life is loved by some, hated by others, and misunderstood by almost everyone. In this episode, Greg pulls back the curtain on how IUL actually grows, past the hype, past the hate, and into the math that decides whether a policy pays off or disappoints.We break down floors, caps, participation rates, and spread rates with real numbers going back to 1989. You'll find out why a 55% par rate can quietly outperform a 10% cap, why every illustration you've ever seen is technically wrong, and how max-funded design turns a policy into a self-financing asset.Whether you own an IUL, you've been pitched one, or you sell them for a living, by the end of this episode, you'll understand IUL better than most agents selling it.

Is a 529 plan actually the "safest" way to save for college, or is it a potential tax trap that could hurt your financial aid eligibility? In this episode, Greg pulls back the curtain on the "College Cost Crisis" and challenges the traditional wisdom of education funding.Greg breaks down why common strategies, like 529's and market-based investing, often leave families vulnerable to sequence-of-returns risk and restrictive rules. Instead, he introduces the concept of Financial Engineering: using properly structured permanent life insurance to create a tax-advantaged, liquid, and "invisible" asset that doesn't count against you in financial aid formulas.