My financial planner didn’t know about the Roth IUL. All he knew about was putting me into things that didn’t work for me (maybe they worked for him!). Anyway, after looking into and reading about all the great reviews, I opened a Roth IUL and am contributing $500 per month for now. I am 39 and I plan to increase my contributions and the plan is, to receive close to 70k a year in tax free income, plus my “taxable” social security. But between my wife and I, we will plenty of money to travel in retirement, the way we want to. Thanks Roth IUL!