Pay for college. Retire with confidence. Protect your family.
Retire With Tai helps Atlanta-area families build one plan for the big goals: your kids' education, your retirement income, and protection if life doesn't go as planned. Plain English, real numbers, no pressure.
"My job is to show you the real numbers, including the costs and the trade-offs, so you can decide what fits your family."
Pick a Time That WorksWhy aren't more families planning?
If you've put this off, you're not alone. These are the five reasons we hear most often from parents in Atlanta, and the truth behind each one.
What happens if you don't plan now?
Every year you wait, you lose growth you can never get back, and the monthly amount needed to reach the same goal goes up.
Same $400 a month. Same 6% growth. The only difference is when you start.
Hypothetical example using a fixed 6% annual rate compounded monthly, for illustration only. It does not reflect the fees or charges of any product. Your results will be different.
And if something happens to you?
Without life insurance, your family loses your income and your college savings plan in the same moment. A good plan keeps your child's education and your family's home protected, even if you're not here.
One plan, three jobs
The right strategy, often using an Indexed Universal Life (IUL) policy alongside tools like a 529, can protect your family, grow your money, and give you access when you need it.
Protect
A death benefit makes sure your family and your child's education are covered, even if you're not here.
Grow
Cash value can grow with gains linked to a market index, with a 0% floor on index credits in down years. Policy charges still apply.
Access
Borrow against cash value for tuition, emergencies, or retirement income. Policy loans reduce cash value and death benefit.
How working with Tai works
Book a free call
20 minutes by phone or video. We learn your goals: college, retirement, protection, or all three.
Get your custom plan
Real illustrations from top carriers, built around your age, your kids' ages, and your budget.
Decide with no pressure
Take your time and ask every question. If it isn't a fit, we'll tell you.
Download our free college planning guides
No cost, no obligation. Learn the numbers before you talk to anyone.
Pay for College Without Giving Up Your Retirement
- What college really costs today and in 2042
- 529 vs. IUL vs. savings, side by side
- The financial aid advantage most parents miss
- A real example, with the math worked out
College Cost Checklist for Georgia Families
- A worksheet to compare real school costs
- HOPE, Zell Miller & Path2College 529 tips
- A year-by-year timeline from birth to senior year
- Find your college funding gap
A local agent who works for your family
Hi, I'm Tai Nguyen. My wife Phuong and I are parents too, so we know the question every parent asks: "How do I give my kids a great start without falling behind on my own future?"
Through Retire With Tai, I help families across Atlanta, Norcross, Duluth, Lawrenceville, Johns Creek and the rest of Georgia build plans for college, retirement income and family protection. I'm independent, so I compare options from multiple well-established carriers instead of pushing one company.
Frequently asked questions
Is the first call really free?
Yes. The 20-minute call is free with no obligation. We'll talk about your goals and whether it makes sense to put together a custom illustration.
Can an IUL be used to help pay for college?
Yes. Many families build cash value over 10+ years and then use policy loans to help pay for school. It works best with time and consistent funding, and policy loans reduce cash value and death benefit. We'll show you the real illustrated numbers, including costs.
Should I use a 529 or an IUL?
It depends on your goals. A 529 offers low-cost, tax-free growth for education and a Georgia state tax deduction. An IUL adds life insurance protection, flexibility, and potential retirement income. Many families use both.
Does IUL cash value count against financial aid?
Life insurance cash value is not reported as an asset on the FAFSA, while parent-owned 529 plans are counted (up to 5.64%). Aid rules can change, and some private colleges ask about assets differently on the CSS Profile.
Do you work with families outside Atlanta?
Yes. We meet by phone or video with families anywhere in Georgia, and in person around Norcross and Gwinnett County.
Can we meet in Vietnamese?
Yes. Tai can explain everything in English or Vietnamese, whichever your family is most comfortable with.
See what this looks like for your family
The younger your kids are, the more time your plan has to grow. A free 20-minute call is the easiest way to start.
Book a Free Callor call (470) 470-5593