We Engineer Wealth Systems

Education-first planning that builds liquidity, tax-advantaged growth, and legacy options

Start with education: we walk you through the Waterfall Wealth Strategy and Indexed Universal Life (IUL) so you can compare IULs vs 401(k)s and IULs vs 529 Plans and others. Book a no-cost 30-minute Wealth Strategy Session to clarify options and design a tailored plan.

Wealth Building Education

Understand options before you implement

Our approach is calm, compliant, and education-first: we explain IUL Explained, cash value life insurance mechanics, tax-free retirement design, and how IUL Wealth Strategy can add flexibility to a retirement plan that already uses 401k/IRAs. Learn first, decide later.

  • IUL Clearly Explained

  • Tax-free retirement concepts

  • Practical Wealth Engineering examples

The Waterfall Wealth Strategy

Five pillars that create optionality and protection

The Waterfall Wealth Strategy organizes wealth by prioritizing liquidity, tax-advantaged positioning, downside risk protection, control/optionality, and living benefits & legacy transfer. Each pillar supports a practical Financial Strategy Design that complements retirement accounts, offering generational wealth pathways and a Financial Swiss Army Knife for planning.

  • Liquidity: Access cash when you need it without triggering retirement-account penalties, improving tactical optionality.

  • Tax-Advantaged Positioning: Design growth and access that aims to reduce lifetime taxes and support Tax Free Retirement outcomes.

  • Downside Risk Protection: Mitigate market drawdowns with policy features that prioritize principal protection inside a wealth plan.

  • Control & Optionality: Maintain control over assets and distribution choices — the Financial Swiss Army Knife approach to money.

  • Living Benefits & Legacy: Provide living benefits today and a clean transfer pathway for generational wealth and Legacy Planning.

Services & Strategic Design

Education → Strategy → Implementation

We guide professionals and organizations through a three-phase process: Wealth Building Education, tailored Financial Strategy Design (including IUL Wealth Strategy workups), and hands-on strategy implementation. We compare IULs vs 401ks and IULs vs 529 Plans along with IULs vs Annuities so you can choose with clarity.

  • Education-first consultations with Managing Financial Strategist

  • Custom IUL modeling based on your needs and planning

  • Implementation guidance, support and annual reviews

Advisor and client reviewing a wealth strategy session on a printo in a bright office.
Cover of 'Waterfall Wealth Creation 10-Step Guide'

Download: The Waterfall Wealth Creation 10-Step Guide

A practical guide for designing flexible, tax-advantaged wealth plans - for Generations

Request the 10-step guide and walk through the Waterfall Wealth Strategy, including precise checkpoints for liquidity, tax-advantaged growth, access, and legacy transfer. Perfect for decision makers looking to compare Life Insurance Strategy options and Cash Value Life Insurance mechanics.

After you request the guide, you'll also see how to schedule a follow-up call to apply the Waterfall Wealth Strategy to your own plan.

Quick Comparisons

IULs vs 401ks  |  IULs vs 529 Plans  |  Rockefeller vs Vanderbilt’s approaches

IULs vs 401ks

Indexed Universal Life can provide tax-advantaged growth and flexible access that complements a 401k rather than replaces it; helpful for those maxing out workplace accounts or IRAs.

IULs vs 529 Plans

IULs offer broader living benefits and legacy transfer options compared with 529s; consider family education planning alongside your broader Wealth Engineering design.

Rockefeller vs Vanderbilt’s

Comparative mindset: Rockefeller-style long-term legacy structures prioritize control and intergenerational transfer; Vanderbilt-style asset concentration can risk flexibility — the Waterfall Wealth Strategy seeks balanced optionality.

Decide with Confidence

Book your no-cost 30-minute Wealth Strategy Session

Bring your questions and recent statements. We’ll run a short Wealth Engineering review to show you how an Indexed Universal Life plan and the Waterfall Wealth Strategy could fit into your Financial Strategy — no obligation, no pressure, just clarity.

Young woman holding a clipboard with an application and pen, consulting with a man about his IUL appliation.

More Info

Important Questions

Is A Indexed Universal Life (IUL) Insurance Plan Right for Me?

IUL strategies are ideal if you want lifelong coverage with the potential for cash value growth that also provides guaranteed downside protection.

It’s a flexible option that lets you adjust your premiums and death benefit, making it suitable for those who want both protection and a financial growth opportunity.

Is this better than a 401(k)?

It’s not a replacement—it’s a different tool. The question is how much control, access, and tax certainty you want?

IUL Wealth Engineering is one of the financial systems we design to help families and business owners reduce risk, improve cash flow efficiency, and build long-term financial resilience.

Is a Medical Exam Required?

In many cases, a medical exam or a vitals check may be required for IUL Insurance, especially if you're looking for higher coverage amounts (>$500k +). However, some policies may offer simplified underwriting for lower coverage limits.

Can I Access the Cash Value?

Yes! You can access the cash value accumulated in your IUL policy, AND on withdrawals or loans -- it's Tax-Free, and without penalty as well! It can be used for various financial needs, such as supplementing retirement income, covering unexpected expenses, or even funding education.

How do I Sign Up?

You can start by scheduling a strategy session to discuss your needs with an Financial Strategist. They’ll help you customize your IUL plan and guide you through the application process.