Many people believe that life insurance and retirement planning are two separate tools in estate planning. That is not always the case. Used properly, life insurance can be one of the most powerful additions to an individual’s portfolio, replacing lost income, covering large expenses and mitigating taxes after death. We are experts at leveraging this powerful asset not only to provide basic protection for income replacement or final expense but also to supplement retirement plans with tax-free funds that far exceed the limits of traditional tax favored plans like traditional and Roth IRAs.