Episode Details

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What’s in this episode:
If your clients have $1M in an IRA, they don’t have $1M.

They have a future tax liability.

In this episode, David McKnight (The Power of Zero) explains why 2026 matters, how Roth strategy should actually be structured, and how properly designed IUL can act as a volatility shield in retirement.

If you work with pre-retirees or high-income clients, this episode gives you language and strategy you can use immediately.

[00:00] Why you don’t actually know how much money is in your IRA
[02:00] $239 trillion in unfunded obligations explained
[04:30] The Power of Zero strategy
[06:00] Why younger clients must prioritize tax-free growth
[08:30] How to properly balance tax-deferred and Roth buckets
[12:00] The Volatility Shield strategy
[15:00] How cash value can double retirement withdrawal rates
[18:00] IUL vs Whole Life for volatility buffering
[24:30] 2026 tax sunset – what agents must prepare for
[26:00] Why NOT to jump into the 32% bracket
[28:00] Heroes of Zero conference

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