✅ The "One-Legged" Retirement Trap: Why relying solely on a 401k is a mathematical disaster waiting to happen (and how to fix it).
✅ The "Distribution Switch": How to structurally flip your policy from an expense into a tax-free income stream that you can't outlive.
✅ Positive Arbitrage: The "Banking Secret" that allows you to make money on the exact same dollars you are spending.

Todd Schuchart, CFEI®
I am an accredited instructor, not just an agent. My goal is to bridge the gap between complex financial products and your family's peace of mind, without the sales pressure.
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