No. of Recommendations: 1
a) The IUL has no zero years,
It does. Maybe a little difficult to pick out, though.

The IUL lines perhaps need to be explained better. The blue diamonds are all the individual 12-month rolling periods, of all 12 anniversaries. The purple line is the 12-month average of all 12 of them. You can see that the diamonds are scattered, which is because the performance is slightly different depending on the anniversary month.

Chart 1. 1/2/2001 to 1/2/2003, IUL line is flat. Also 8/1/2008 to 3/1/2009. Actually, it's a slight rise in Chart1, of $100/mo in the purple line, due to the $100/mo deposit. It's hard to see because all the dots overlay each other there. And it's a slope of only $100/mo on a value of $180,000, so it doesn't really show up.

Ditto for Chart3 -- which is mis-titled, it's actually $0 monthly deposit. The 12-mo average is $73,728 from Oct-2000 to Aug-2003, even though the 12-month anniversary values range from $71,194 to $80,646.

b) Neither (none) of the strategies reduce their balance in their final 10 spend-down years.
Yes they do. Compare Chart 1 with Chart 4. Every line (Chart 4) has a downward slope after Jan-2003, when compared with Chart 1. The orange line (10mSMA) ends at $850K in chart 1 and $600K in chart 4.
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