Research Reports

Carbyne Allocation® is based on years of experience and some of the top research in the industry.

EY - Benefits of integrating insurance products into a retirement plan (IUL) (pdf)

EY -Benefits of integrating insurance products into a retirement plan (Whole Life) (pdf)

An Effecient Frontier for Retirement - Wade Pfau (pdf)

BTID Revisted - Babbel Paper (pdf)

Morningstar - Ibbotson WL Efficient Frontier (pdf)

UofT Study - Life Annuity Puzzle 10-4-22 (pdf)

Life_Insurance_Product_Type_Financial_Knowledge_an (pdf)

Risks Journal - Efficient Retirement Portfolios: Using Life Insurance to Meet Income and Bequest (pdf)