Financial consulting. Financial planning. Insurance consulting in the field of life insurance.
LIFT WEALTH STRATEGIES℠ is the mark under which Carl G. Bullard provides consulting and planning services to federal employees, business owners, and families evaluating tax-advantaged retirement and life insurance strategies.
Carl G. Bullard is a licensed life insurance agent. He is not a registered investment adviser, not a registered representative, not an attorney, and not a CPA.
Every product recommended through this practice is an insurance product: life insurance and annuity contracts. No securities are offered, sold, or advised on. That means no recommendation to buy, sell, hold, liquidate, or transfer a TSP, 401(k), 403(b), IRA, 529 plan, or brokerage account, and no advice on fund selection or allocation inside any of them.
What "planning" means here is narrower and more specific than the word usually implies: how retirement income is taxed, where an insurance-based layer could sit alongside what you already have, and what a policy would cost and do. Questions about the securities themselves belong with someone licensed for them, and questions about legal structure or tax filing belong with an attorney or CPA in your state.
Individual consultations that look at how your retirement income is likely to be taxed once it starts, given what you already hold, and where an insurance-based layer could change that picture. The conversation covers tax treatment, sequencing, and liquidity. It does not cover what to own inside your retirement accounts, which is outside an insurance license. Delivered by scheduled video or phone consultation.
Structured planning that maps how a multi-layer retirement income strategy would be built and funded, including the sequencing of premium, the timing of income, and how distributions from an insurance contract are positioned relative to taxable income from other sources.
Consulting on the selection, structure, and funding of indexed universal life insurance. This includes carrier comparison, illustration review at both the guaranteed and projected columns, funding level analysis, rider selection, and identifying policy designs that are over-costed or under-funded.
Review of whole life insurance as a permanent coverage option, including guaranteed cash value accumulation, dividend history of mutual carriers, and paid-up additions riders. Consultations compare whole life against indexed universal life on guarantees, flexibility, and cost so the structure is selected on suitability rather than preference.
Review of existing and proposed term life insurance coverage, including coverage adequacy relative to income replacement needs, level term period selection, conversion provisions and their expiration, and how term coverage coordinates with permanent life insurance within the same household plan.
A no-cost 30-minute call to review your current retirement accounts, insurance coverage, income timeline, and objectives.
We walk through where your existing plan carries tax exposure or liquidity restrictions, with the mechanics explained in plain language rather than jargon. Written follow-up is available on request depending on what the situation calls for.
A layered plan showing how indexed universal life, annuity contracts, and term coverage would be sequenced and funded for your situation, including what each layer costs and what has to stay true for it to work.
Carrier selection, application and underwriting support, and ongoing policy review as circumstances change.
Schedule a no-cost 30-minute consultation. Insurance products are available only to residents of states where Carl G. Bullard is licensed, and coverage is subject to underwriting.
BOOK YOUR FREE STRATEGY CALLThis is an advertisement. LIFT WEALTH STRATEGIES℠ is a service mark of Carl Bullard; no claim is made to the exclusive right to use WEALTH STRATEGIES apart from the mark as shown.
Carl G. Bullard is a licensed life insurance agent (FL #W838079), licensed in multiple states, and an independent agent with Global Financial Impact (GFI). He is not an attorney, a CPA, or a registered investment adviser. All content is educational, is not individualized financial, legal, tax, or investment advice, and is not a recommendation to transfer any security or retirement account, including a TSP or 401(k).
Life insurance and annuity products are not FDIC insured, not bank guaranteed, and may lose value. Guarantees rest solely on the issuing carrier's claims-paying ability. Coverage is subject to underwriting and is available only where the agent is licensed. Death benefits apply only while the policy is in force and are reduced by any outstanding loan. Tax-free distribution treatment requires that the contract not be a modified endowment contract, that the policy stay in force, and that loans be managed; tax law may change, so consult your own CPA. Caps, participation rates, and spreads are declared by the carrier and may change, and surrender charges apply in the early policy years. Replacing an existing policy or annuity may not be in your best interest and is subject to state replacement regulations. Individual results vary.