Advisors and clients continue to advocate for "buy term and invest the difference" or BTID. It can look great on a spreadsheet.

In real life, it's a much different story!

In his latest ONE Idea, Gonzalo Garcia, CLU, "unpacks" the findings from the EY/Finseca holistic retirement planning study. He details why BTID so often fails actual clients and how an integrated approach that includes permanent life insurance and annuities can:

• Deliver more reliable retirement income;
• Reduce exposure to sequence-of-returns risk;
• Improve both tax efficiency and legacy outcomes; and
• More.

Read Gonzalo's Full ONE Idea HERE!