In this episode of Advisors on Call, Greg Ramirez shares expert advice on navigating retirement planning. He discusses the importance of having a long-term care policy, explaining how it can provide income tax-free benefits and serve as a life insurance policy if not used. Greg also talks about the benefits of an index universal life (IUL) policy, which can offer a guaranteed death benefit, cash value growth, and tax-free income. He emphasizes the need for consistency and patience when investing in an IUL policy, which can take 7-10 years to reach its full potential.