What if your retirement strategy did more than just ride the stock market—and actually delivered better results? A new study from Ernst & Young suggests it can.
In their latest research, Ernst & Young looked at how combining traditional investments with other income-focused financial tools—like Indexed Universal Life (IUL)—can improve retirement outcomes.
The findings? Surprisingly strong—and consistent.
They analyzed three real-world scenarios:
✅ A 35-year-old couple just starting out
✅ A 45-year-old couple in their peak earning years
✅ A 65-year-old couple approaching retirement
In all three cases, using a blended approach—not just relying on stocks and bonds—led to:
• Increased retirement income
• Greater likelihood of assets lasting through life expectancy
• More wealth transferred to heirs
These weren’t minor advantages. The differences were significant. And they raise an important question: Why don’t more people use strategies like IUL to strengthen their plan?
For years, tools like Indexed Universal Life have been misunderstood or left out of the discussion. But data like this—especially from a source like Ernst & Young—makes it clear: it’s time for a broader conversation about what smart retirement planning really looks like.
This isn’t about replacing your portfolio. It’s about enhancing it—with tools that offer protection, flexibility, and long-term resilience.
So, whether you are 39; 35, 45, or 65… now might be the time to ask:
• Am I planning only for growth—or also for stability and income?
• Could my strategy use more balance?
• What would it mean to retire with greater confidence—and leave more behind?
Jim Barlow, MS, The Alchemist of Leverage
OakTree Strategic Leverage -Smarter Leverage. Greater Outcomes.
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