Barry Financial

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Protect What You’ve Built. Secure What’s Ahead.

We help professionals and families protect what they’ve built, reduce taxes, and design lifelong income plans that offer flexibility, safety, and peace of mind.

Sean Barry | Independent Agent | Licensed in MO, FL & GA | Since 2019

Protect What You’ve Built. Secure What’s Ahead.

We help professionals and families protect what they’ve built, reduce taxes, and design lifelong income plans that offer flexibility, safety, and peace of mind.

Sean Barry | Independent Agent | Licensed in MO, FL & GA | Since 2019

Why Choose a Max-Funded IUL?

At Barry Financial, we help families and professionals protect their income, grow wealth safely, and build a tax-free retirement strategy you can count on.

Discover how a properly designed IUL combines growth potential, protection, and tax advantages — giving you more control over your future income.

Build Wealth Predictably Over Time

Take advantage of market-linked growth potential without market losses. Your cash value grows safely, giving you steady compounding and protection from downturns.

Build Wealth Predictably Over Time

Take advantage of market-linked growth potential without market losses. Your cash value grows safely, giving you steady compounding and protection from downturns.

Flexibility as Your Life Evolves

Whether your income changes or your goals shift, your IUL adjusts with you — not the other way around. Increase, pause, or modify contributions as life happens.

Flexibility as Your Life Evolves

Whether your income changes or your goals shift, a properly structured IUL offers contribution flexibility within policy guidelines. You can reduce or pause funding when needed and adjust contributions within allowed ranges to stay on track with your long-term plan.

Powerful Tax-Free Income Benefits

With tax-advantaged growth and the ability to access cash tax-free, you keep more of what you earn — now and in retirement — while protecting your family’s legacy.

Powerful Tax-Free Income Benefits

With tax-advantaged growth and the ability to access cash tax-free, you keep more of what you earn — now and in retirement — while protecting your family’s legacy.

Why Choose a Max-Funded IUL?

At Barry Financial, we help families and professionals protect their income, grow wealth safely, and build a tax-free retirement strategy you can count on.

Discover how a properly designed IUL combines growth potential, protection, and tax advantages — giving you more control over your future income.

Build Wealth Predictably Over Time

Take advantage of market-linked growth potential without market losses. Your cash value grows safely, giving you steady compounding and protection from downturns.

Build Wealth Predictably Over Time

Take advantage of market-linked growth potential without market losses. Your cash value grows safely, giving you steady compounding and protection from downturns.

Flexibility as Your Life Evolves

Whether your income changes or your goals shift, a properly structured IUL offers contribution flexibility within policy guidelines. You can reduce or pause funding when needed and adjust contributions within allowed ranges to stay on track with your long-term plan.

Flexibility as Your Life Evolves

Whether your income changes or your goals shift, your IUL adjusts with you — not the other way around. Increase, pause, or modify contributions as life happens.

Powerful Tax-Free Income Benefits

With tax-advantaged growth and the ability to access cash tax-free, you keep more of what you earn — now and in retirement — while protecting your family’s legacy.

Powerful Tax-Free Income Benefits

With tax-advantaged growth and the ability to access cash tax-free, you keep more of what you earn — now and in retirement — while protecting your family’s legacy.

Our Process

It’s easier than you think to build wealth safely and create lasting income you can count on.

Step 1 — Quick Strategy Call

We start with a short, no-pressure call to learn about your goals, income, and long-term vision.You’ll get clarity on how a properly structured IUL could fit your overall plan.

Step 2 — Personalized Blueprint

We design a custom IUL strategy showing how your money can grow safely, tax-free, and predictably — all while protecting your family.

Step 3 — Long-Term Guidance

Once your plan is in place, we stay connected. You’ll have ongoing support, policy reviews, and updates as your goals evolve.

Frequently Asked Questions

What makes a max-funded IUL different from a traditional policy?

A max-funded IUL is structured for cash accumulation rather than insurance death benefit. It’s designed to grow wealth safely with tax advantages, giving you flexibility and protection without the volatility of the market.

Can I access my cash value before retirement?

Yes. You can access your policy’s cash value tax-free through policy loans, giving you liquidity for emergencies, opportunities, or major expenses without triggering taxes or penalties.

What happens if my income changes or I can’t contribute as much?

Max-funded IULs are flexible. You can adjust or pause contributions as your situation changes, unlike most qualified plans that lock you into rigid schedules or penalties.

Is an IUL a good option if I already have a 401(k) or IRA?

Yes. An IUL can complement your existing retirement accounts by giving you a tax-advantaged source of income that isn’t tied to market losses or future tax rate increases. It adds flexibility and control to your overall retirement strategy.

Do you only offer IULs, or do you have other insurance options?

While IULs are our primary focus because of their flexibility and tax advantages, we also work with other types of life insurance and protection strategies when they better fit a client’s goals. Every recommendation is customized based on your financial situation, not a one-size-fits-all product.

Meet Sean Barry

Sean Barry has been a licensed insurance agent since 2019 and started Barry Financial LLC in 2022 to help families and professionals reduce or eliminate unnecessary taxes while building long term predictable wealth. As an independent advisor, he focuses on designing tax advantaged income strategies that grow safely and flexibly without market risk so clients can protect what they have built and retire with confidence