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Who we are

Innovative Retirement Strategies is The IRS you want on your side!

The “Innovative” in Innovative Retirement Strategies is not there because its a trendy word. I’m a financial nerd obsessed with compounding interest and financial arbitrage. I personally discovered how amazingly powerful it is to leverage the cash value of a life insurance policy to put money to work in two places at one time. As I peeled back the onion and discovered all the amazing and powerful applications for a permanent life insurance policy, I wanted to share it with the world.

The primary goal of this website and all of my social media accounts, like YouTube, is to provide a place where you can learn everything you need to know about life insurance without ever speaking to an agent until YOU are ready. There is no fluff on this website.

My goal is to provide a detailed explanation of every important facet of life insurance in a very simple and easy to understand format. EVERYTHING you need to know is available here. If you think something is missing, email me and let me know.

My approach is educational. I want my clients to understand what they are buying. Life Insurance is a Lifetime Commitment. I want you to learn everything that I have learned in my journey.

We are available to work on a fee-only basis to help you get what you need from an agent of your choice OR we would be happy to work with you and design a policy to meet your needs: Its Your Choice. Just use the “Click to Schedule” link at the bottom of nearly every page on this site to schedule a consultation.

Our Business is all about:

1. Making sure you understand how you can make your money work harder with less risk.
2. Showing you ways you can reduce taxes on the money you make so you can keep more.
3. Protecting your assets


Tom Rutkowski, President
Tom Rutkowski, President

Tom Rutkowski, graduated from UC Irvine with a degree in Economics and went on to earn an MBA in Finance and Investments from the University of Wisconsin – Milwaukee in 1995.  He started investing at 20 years of age.  After riding out many of the ups and downs of the market, he figured out that a simple indexed approach to investing was the best way to outperform the market.

Tom is the rare breed who understands the stock market, life insurance retirement strategies, real estate investing, and alternative investments. Investors need to understand how to deal with a market that could drop 35-40% in the next twelve months. The stock market has done that twice in the last 20 years.

His graduate school research showed that only 1/3 of mutual funds and professional money managers can beat an un-managed index mutual fund.

Much more recently, he discovered an even better way to save for retirement: Permanent Life insurance, specifically a high cash value Indexed Universal Life Insurance coupled with financial alternatives and real estate.

Indexed Universal Life Insurance allows the cash value of a life insurance policy to reliably capture a portion of the equity return of the markets.  Policy holders can achieve superior growth compared to a similarly-designed whole life policy.



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