Helping you leave a meaningful legacy.

Tax-Advantaged Retirement

A large majority of folks don’t have taxation on their mind when they think about or plan for funding their retirement. This can be a critical error, especially with the popularity of tax deferred retirement accounts & unexpected taxation on your social security income. If you don’t take taxation into account when you plan your retirement, you risking a pre-mature spend down of your assets to cover unexpected taxes and increase the probability of outliving your money.

What if you found out

There is a better way

We’ve been told for decades now that you should fully fund your retirement accounts so they grow tax-deferred and when you retire you’ll likely be in a lower tax bracket when your living on those funds.

But have you done the math? Have you actually put the effort into understanding the consequences of saving in 401(k)’s, IRA’s and the like?

There are hidden pitfalls within this manner of savings even without the tax hikes that will inevitably occur and if this element is left out of your retirement plan, odds are you are putting your retirement savings at risk.

What will your

tax bracket Be In retirement?

As with our philosophy in all our other deliverables, we help you create structures by which you pay as little in tax as legally, morally and ethically possible and keep as much control of your wealth working for you to accomplish the goals and objectives that are unique and important to you and your family.

Will you be in a lower tax bracket during retirement?

First off you may want to consider the type of lifestyle you want in retirement. The majority of our clients want to at least maintain the lifestyle they grow accustomed to during their working years and a large percentage want to go beyond that and enjoy their retirement years. If that sounds like you, consider your deductions.

What Happens to your deductions in retirement?

The 4 largest deductions most folks rely on during the working years are; children, mortgage, qualified plan contributions, and charitable donations.  If your retired, chances are your kids are out of the house, the house is paid off, your spending out of the qualified retirement plan accounts and if your charitable most folks donate time rather than money during retirement.  Fewer deductions means a potentially higher tax bracket.  Add to that the likelihood of taxes increasing and now you’ve got a problem.

“Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury. There is not even a patriotic duty to increase one’s taxes.”

Judge Learned Hand, US Supreme Court Judge

It's not too late

But you do need a plan

If you’ve found yourself and your portfolio in a potential taxation risk which could also lead to up to 85% of your social security payments to be taxed, you should consider taking steps to reduce or eliminate that risk. 

It takes education, planning and execution. 

You need to make sure you have the mathematically correct amount of capital allocated in your tax-deferred accounts. 

With the right plan, we can help you ensure your accounts are not at risk of pre-mature spend downs as a result of over-taxation.


Get Your Retirement Roadmap

Next we’ll put together a comprehensive tax reduction plan that addresses the issues.


implement your retirement roadmap

Enjoy your tax-free retirement!

Schedule Your Retirement Tax Analysis Today!

Click on the button below to learn how much of your portfolio is at risk and what you can do about it to ensure peace of mind through reduction of risk.