Are you a CPA?
Why would I want to be a CPA? Since you believe CPAs, ask them about indexed universal life insurance written to follow the IRS TAMRA, DEFRA, and TEFRA guidelines. Ask them if you take money out after following the guidelines if it's taxable.
For my money, the best retirement program is indexed universal life insurance. But it's not a retirement program. It's insurance, that if structured properly in accordance with IRS regs you can use as retirement. So how would your CPA or mutual fund manager tell you about it when they don't know about it or don't offer it?
No I'm not an insurance agent or a CPA. I'm just a guy who decided in his retirement he would find out what was best and recommend it to his clients. After the last few years, people are bailing out of the stock market and looking for something better; something which will be there when they are ready to retire. I believe this is the best I have found. If you know something else, let's have it.