Who we are

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

Our Goal

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 this amazingly powerful tool when I just started in the business. I built The Double Play model to prove the concept to myself. As I peeled back the onion and learned more, I wanted to share it with the world.

The primary goal of this website is to provide a place where you can learn everything you need to know about life insurance without ever speaking to an agent. There is no fluff on this website. This site is full of information on how this works.You shouldn’t need to talk to me until you are ready to see the numbers for yourself. Be sure to check out my social media accounts, like YouTube and Facebook.

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 you to feel absolutely feel confident that you are making a great financial decision. If you don’t feel it, you shouldn’t be doing it.

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’s Bio

Tom is an 8 year veteran of the Unitied States Marine Corps. He served as a Radio Technician in Bahrain during operation Desert Shield. After exiting the service, Tom graduated from the University of California Irvine Cum Laude with a degree in Economics. Tom also received an MBA in Finance and Investments from the University of Wisconsin – Milwaukee in 1995. 

Tom’s professional career included several years working as a portfolio analyst for Smith Barney. He also worked as an Economic Consultant for L.R. Christensen Associates. Tom’s sales experience began in 2001 as a Sales Director for Next Level Communications. NLC was later acquired by Motorala.

In 2012, Tom moved his family from Wisconsin to Florida and began his Life Insurance business shortly thereafter.

Tom is the rare breed who understands the stock market, life insurance retirement strategies, real estate investing, and alternatives. 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.

Tom has been interviewed on multiple real estate investor podcasts. You can find links to some of them here. Most recently, he was featured on a series of interviews on the Influential Entrepreneur’s Podcast.

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

More recently, he discovered an even better way to save for retirement: Permanent Life insurance, specifically a maximum over-funded Indexed Universal Life Insurance policy.

As featured on

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No Rendering of Advice: The financial content in this document is provided for your personal education. It is not intended for trading purposes, and cannot substitute for professional financial advice. Always seek the advice of a competent financial advisor with any questions you may have regarding a financial matter. Information in this document is not appropriate for the purposes of making a decision to carry out a transaction or trade nor does it provide any form of advice (investment, tax, or legal) amounting to investment advice, or make any recommendations regarding particular financial instruments, investments, or products.

The sole purpose of life insurance is for the death benefit protection. Any other benefit is ancillary.