Insurance is a tool. The question is which problem you're solving.

Most people are sold a product before anyone has worked out what they actually need. We come at it from the other end — starting with the tax and cash-flow picture, because that's usually where the real problem is hiding.

The product is rarely the hard part

Choosing between two annuity contracts is a comparison anyone can run. Working out whether you should be moving money at all this year, from which account, and what it costs you in April — that's the part most people get wrong, and it's the part that's hardest to undo.

TLAMB INC has spent decades on the tax side of clients' finances. When insurance belongs in a plan, we place it. When it doesn't, we say so. That's an easier position to hold when insurance isn't the only thing we do.

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