Patrick Kelly

Tax-free retirement

Todd Luallen

I Read this book as part of training for financial planning education. The book was very easy to read and presents the case for an Indexed Universal Life policy to meet the protection and retirement needs of an individual or family. As with just about anything out there in the consumer market, there are plenty of alternative opinions. Kelly takes a conservative approach to forecasting which won't be acceptable to some. It's definitely possible that in the future we may not be taxed much more than we are now, and it's possible that a Roth IRA along with a Term Life policy would be a better route for those who don't like the option presented in this book. But what I like about Kelly is that he presents his case and stands behind it (in this book and his subsequent ones as well). If you're convinced by his arguments, you can follow his lead, if not, go your own way. Nobody has a crystal ball.

Tax-free retirement

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