I write about money the way I would explain it to family.
Life, disability, annuities. Retirement money, public markets, private funds, bonds, options. I stay at the documents and the arithmetic. No pitch deck.
None of this is an offer of advisory services. The one exception is Quote and apply on the Insurance page, where a policy can actually be priced. I may be paid if you buy there.
Two subjects. The long pieces live in Resources.
What term is actually for. What disability pays once you read the definition. Which column of an annuity illustration is a promise and which one isn’t. There’s a quoting tool at the bottom if you want a price.
How coverage worksOne question: does the money last. Public equity, private funds, fixed income, options — and a calculator you can argue with. Change an input and the answer moves.
Will the money lastThree rules I hold myself to.
The surprise is almost always written down somewhere. Usually in the policy or the fund agreement, not the summary you were handed.
Fees. A capital call. A surrender schedule. A 30% down year landing the same month you start withdrawing. I run it before I tell you what I think of it.
It’s here so you can go back to whoever holds the account with a sharper question. It isn’t Verus, and there’s no calendar link at the end.
Most of the damage was in a sentence nobody asked me to read.
Recently published.
Premium financed life insurance
September 2026 · 4 min readInvestingWhat breaks when you put college money in a UTMA?UTMA
September 2026 · 3 min readInsuranceWhy does the cash value in an IUL feel so different from a plain mutual fund?Indexed Universal Life Insurance vs Mutual Funds
September 2026 · 4 min read