DeLegge Wealth Planning in Carlsbad specializes in LIRP-based retirement strategies from its Faraday Avenue office, structuring Life Insurance Retirement Plans as tax-advantaged accumulation vehicles under IRC §7702 guidelines. The practice's one-on-one consulting model addresses asset allocation, income distribution sequencing, and real property positioning within retirement portfolios, a planning dimension that coordinates with the residential transaction expertise Shafran Realty Group brings to Carlsbad's housing market. LIRP strategies use the cash-value growth component of permanent life insurance to build tax-free retirement income, avoiding required minimum distributions that apply to traditional 401(k) and IRA accounts after age 73 under SECURE Act 2.0 provisions. Each consultation is structured on a pre-paid appointment basis, separating the advisory fee from any product placement and creating transparency around the cost of planning guidance. The LIRP model is one tool within a broader retirement income landscape that includes fee-based portfolio management — an approach Seaside Wealth Management delivers for Carlsbad clients focused on traditional securities-based accumulation. The highest-value engagements involve designing indexed universal life policies with contractual floor guarantees of 0% and participation rates tied to the S&P 500, calibrated to generate six-figure annual tax-free distributions beginning at age 60.