--- title: Useful Financial Insight & Strategy | Kyle Carlton description: Helping high-income households insure retirement.
We break down complicated ideas into useful information and actionable plans. --- [Skip to the main content.](https://calyxwealth.com/blog/author/kyle-carlton#main-content) - [CLIENT LOGINS](https://calyxwealth.com/login) [![Calyx Web Logo](https://calyxwealth.com/hs-fs/hubfs/CALYX%20Website/Calyx%20Web%20Logo.png?width=1954&height=487&name=Calyx%20Web%20Logo.png "Calyx Web Logo")](https://www.calyxwealth.com) [![Calyx Web Logo white-1](https://calyxwealth.com/hs-fs/hubfs/CALYX%20Website/Calyx%20Web%20Logo%20white-1.png?width=106&height=86&name=Calyx%20Web%20Logo%20white-1.png "Calyx Web Logo white-1")](https://www.calyxwealth.com) - [Build](https://calyxwealth.com/investing) - [Grow](https://calyxwealth.com/coaching) - [Protect](https://www.calyxwealth.com/executive-benefits) - [About](https://calyxwealth.com/about) [![Contact Us](https://no-cache.hubspot.com/cta/default/8430272/67584b1f-e02f-4c87-b75e-af9c2a567b8a.png)](https://cta-redirect.hubspot.com/cta/redirect/8430272/67584b1f-e02f-4c87-b75e-af9c2a567b8a) Toggle Menu Toggle Menu [![Contact Us](https://no-cache.hubspot.com/cta/default/8430272/67584b1f-e02f-4c87-b75e-af9c2a567b8a.png)](https://cta-redirect.hubspot.com/cta/redirect/8430272/67584b1f-e02f-4c87-b75e-af9c2a567b8a) - [Build](https://calyxwealth.com/investing) - [Grow](https://calyxwealth.com/coaching) - [Protect](https://www.calyxwealth.com/executive-benefits) - [About](https://calyxwealth.com/about) # Kyle Carlton [![](https://calyxwealth.com/hs-fs/hubfs/Executive%20Compensation.jpg?width=724&height=483&name=Executive%20Compensation.jpg)](https://calyxwealth.com/blog/stock-based-compensation-and-an-attractive-alternative) 4 min read #### [Stock-Based Compensation and an Attractive Alternative](https://calyxwealth.com/blog/stock-based-compensation-and-an-attractive-alternative) ![Picture of Kyle Carlton](https://app.hubspot.com/settings/avatar/1b84420d7ca7ffe3b78de03c2d10c848) [Kyle Carlton:](https://calyxwealth.com/blog/author/kyle-carlton) Sep 10, 2022 6:00:00 AM There have not been any meaningful new developments in executive compensation since the 1970s, and current plans only attribute to minor single-digit improvements for both the business and the executive. Compensating management with equity is to... [Executives](https://calyxwealth.com/blog/tag/executives) [Read More](https://calyxwealth.com/blog/stock-based-compensation-and-an-attractive-alternative) [![](https://calyxwealth.com/hs-fs/hubfs/The%20National%20Debt%2c%20Future%20Tax%20Rates%2c%20and%20Capital%20Allocation.png?width=727&height=484&name=The%20National%20Debt%2c%20Future%20Tax%20Rates%2c%20and%20Capital%20Allocation.png)](https://calyxwealth.com/blog/the-national-debt-future-tax-rates-and-capital-allocation) 4 min read #### [The National Debt, Future Tax Rates, and Capital Allocation](https://calyxwealth.com/blog/the-national-debt-future-tax-rates-and-capital-allocation) ![Picture of Kyle Carlton](https://app.hubspot.com/settings/avatar/1b84420d7ca7ffe3b78de03c2d10c848) [Kyle Carlton](https://calyxwealth.com/blog/author/kyle-carlton): Sep 6, 2022 5:00:00 AM What is a sovereign debt crisis? A sovereign debt crisis occurs when a country is unable to pay its bills. But this doesn't happen overnight—there... [Retirement](https://calyxwealth.com/blog/tag/retirement) [Read More](https://calyxwealth.com/blog/the-national-debt-future-tax-rates-and-capital-allocation) [![](https://calyxwealth.com/hs-fs/hubfs/Focused%20Investing.jpg?width=788&height=443&name=Focused%20Investing.jpg)](https://calyxwealth.com/blog/what-is-focused-investing) 4 min read #### [What Is Focused Investing?](https://calyxwealth.com/blog/what-is-focused-investing) ![Picture of Kyle Carlton](https://app.hubspot.com/settings/avatar/1b84420d7ca7ffe3b78de03c2d10c848) [Kyle Carlton](https://calyxwealth.com/blog/author/kyle-carlton): Aug 30, 2022 5:15:00 AM There was a time when many investors stopped paying attention to the market, choosing to ignore everything. This period was from 1966 to 1982, when... [Investing](https://calyxwealth.com/blog/tag/investing) [Read More](https://calyxwealth.com/blog/what-is-focused-investing) [![What is indexed universal life?](https://calyxwealth.com/hs-fs/hubfs/What%20is%20Indexed%20Universal%20Life.jpg?width=724&height=483&name=What%20is%20Indexed%20Universal%20Life.jpg)](https://calyxwealth.com/blog/what-is-indexed-universal-life) 6 min read #### [What Is Indexed Universal Life?](https://calyxwealth.com/blog/what-is-indexed-universal-life) ![Picture of Kyle Carlton](https://app.hubspot.com/settings/avatar/1b84420d7ca7ffe3b78de03c2d10c848) [Kyle Carlton](https://calyxwealth.com/blog/author/kyle-carlton): Jun 22, 2022 3:50:59 PM Over the last several years, sales have dramatically increased for indexed universal life (IUL); this is both good and bad. [Indexed Universal Life](https://calyxwealth.com/blog/tag/indexed-universal-life) [Read More](https://calyxwealth.com/blog/what-is-indexed-universal-life) [![](https://calyxwealth.com/hubfs/Measuring%20Risk.jpg)](https://calyxwealth.com/blog/why-standard-deviation-is-a-bad-measurement-of-risk) 2 min read #### [Why Standard Deviation is a Bad Measurement](https://calyxwealth.com/blog/why-standard-deviation-is-a-bad-measurement-of-risk) ![Picture of Kyle Carlton](https://app.hubspot.com/settings/avatar/1b84420d7ca7ffe3b78de03c2d10c848) [Kyle Carlton](https://calyxwealth.com/blog/author/kyle-carlton): Oct 29, 2021 8:00:00 AM Most investment firms today use risk tolerance questionnaires with standard deviation being the primary method for helping to measure risk; here is... [Investing](https://calyxwealth.com/blog/tag/investing) [Read More](https://calyxwealth.com/blog/why-standard-deviation-is-a-bad-measurement-of-risk) [![](https://calyxwealth.com/hubfs/The%201%20In%2060%20Rule.jpg)](https://calyxwealth.com/blog/the-1-in-60-rule) 2 min read #### [How Financial Marketing Has You Off Course](https://calyxwealth.com/blog/the-1-in-60-rule) ![Picture of Kyle Carlton](https://app.hubspot.com/settings/avatar/1b84420d7ca7ffe3b78de03c2d10c848) [Kyle Carlton](https://calyxwealth.com/blog/author/kyle-carlton): Oct 13, 2021 2:05:40 PM In 1979, a passenger jet carrying 257 people left New Zealand for a sightseeing flight to Antarctica. The pilots had never flown this route before,... [Retirement](https://calyxwealth.com/blog/tag/retirement) [Read More](https://calyxwealth.com/blog/the-1-in-60-rule) [![](https://calyxwealth.com/hubfs/Capital%20Gains%20vs.%20Dividends%20-%20Featured%20Image.png)](https://calyxwealth.com/blog/capital-gains-vs-dividends) 3 min read #### [Difference Between Capital Gains & Dividends](https://calyxwealth.com/blog/capital-gains-vs-dividends) ![Picture of Kyle Carlton](https://app.hubspot.com/settings/avatar/1b84420d7ca7ffe3b78de03c2d10c848) [Kyle Carlton](https://calyxwealth.com/blog/author/kyle-carlton): Mar 4, 2021 2:55:51 PM Not all returns are created equal, especially in the eyes of the government. While you may think a 10% return is the same regardless of whether it is... [Investing](https://calyxwealth.com/blog/tag/investing) [Read More](https://calyxwealth.com/blog/capital-gains-vs-dividends) [![GameStop](https://calyxwealth.com/hubfs/GameStop%20Logo.jpg)](https://calyxwealth.com/blog/gamestop) 2 min read #### [Was GameStop a Good Investment?](https://calyxwealth.com/blog/gamestop) ![Picture of Kyle Carlton](https://app.hubspot.com/settings/avatar/1b84420d7ca7ffe3b78de03c2d10c848) [Kyle Carlton](https://calyxwealth.com/blog/author/kyle-carlton): Feb 4, 2021 2:00:00 PM The returns from what’s happened with GameStop over the last few weeks has to have investors wondering, where’s the next opportunity? Another quick... [Investing](https://calyxwealth.com/blog/tag/investing) [Read More](https://calyxwealth.com/blog/gamestop) [![](https://calyxwealth.com/hubfs/202--2020.jpg)](https://calyxwealth.com/blog/retirement-accounts-you-should-know) 3 min read #### [8 Retirement Accounts You Should Know for 2021](https://calyxwealth.com/blog/retirement-accounts-you-should-know) ![Picture of Kyle Carlton](https://app.hubspot.com/settings/avatar/1b84420d7ca7ffe3b78de03c2d10c848) [Kyle Carlton](https://calyxwealth.com/blog/author/kyle-carlton): Jan 21, 2021 1:19:00 PM Most of us know it’s important to contribute to a retirement plan, but many people struggle starting out because choosing a plan can be overwhelming.... [Retirement](https://calyxwealth.com/blog/tag/retirement) [Read More](https://calyxwealth.com/blog/retirement-accounts-you-should-know) [![](https://calyxwealth.com/hubfs/Professional%20executive%20%26%20high%20income%20earner.jpg)](https://calyxwealth.com/blog/the-retirement-challenge-for-high-income-earners) 4 min read #### [The Retirement Challenge for High Income Earners](https://calyxwealth.com/blog/the-retirement-challenge-for-high-income-earners) ![Picture of Kyle Carlton](https://app.hubspot.com/settings/avatar/1b84420d7ca7ffe3b78de03c2d10c848) [Kyle Carlton](https://calyxwealth.com/blog/author/kyle-carlton): Jan 7, 2021 5:30:00 AM The main issue you face is your ability to fully fund your retirement without affecting your current lifestyle. Multiple studies conducted by firms... [Retirement](https://calyxwealth.com/blog/tag/retirement) [Read More](https://calyxwealth.com/blog/the-retirement-challenge-for-high-income-earners) - [Disclosure](https://www.calyxwealth.com/disclosure) - [Privacy Policy](https://www.calyxwealth.com/privacy-policy) © 2026 Calyx Wealth