Everence Wealth builds tax-advantaged retirement income through four core strategies: Indexed Universal Life (IUL), Whole Life, Tax-Free Retirement planning, and Asset Protection. Each strategy is independently advised by Steven Rosenberg, licensed in 50 states, and structured around the Three Tax Buckets framework.
Build cash value tied to market index performance with a 0% floor that protects principal against losses. IUL combines life insurance protection with tax-free retirement income potential, no contribution limits, and no required minimum distributions.
Permanent life insurance with guaranteed cash value growth, lifetime protection, and dividend potential when issued by a mutual carrier. Stable, contractually guaranteed, and the foundation of many high-net-worth banking strategies.
Build retirement income you will never owe taxes on. Combines Roth conversion timing, cash-value life insurance, and asset location strategy to insulate income from rising tax rates.
Shield wealth from lawsuits, creditors, and avoidable taxes. Includes irrevocable life insurance trusts, properly structured annuities, and state-specific creditor-protection planning.
Free 30-minute consultation. No sales pressure. We map your retirement gap before recommending any strategy.
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