A practical 2026 guide to Section 409A nonqualified deferred compensation (NQDC) for executives: how deferring salary and bonus beyond 401(k) limits works, the unsecured creditor tradeoff, election and distribution rules, the brutal 20% penalty, and how much to defer.
A Section 1035 exchange lets you move from an old annuity or life insurance policy into a better one without triggering tax on the gain. Here's what qualifies, what doesn't, and the surrender-charge traps to avoid before you sign.
IUL insurance links your cash value growth to a stock index while protecting against losses. Here's how the mechanics work, who benefits, and what the critics get right.
The complete cost structure of a HECM reverse mortgage in 2026 — HUD origination fee caps, upfront and annual MIP rates, non-borrowing spouse protections after the 2014 rule change, heirs' repayment options, and the mandatory counseling requirement.
Complete 2026 guide comparing Traditional IRA, Roth IRA, and 401(k) retirement accounts. Contribution limits, tax advantages, investment options, and withdrawal strategies explained.