do you believe taxes are going up in the future?
TAX INCREASES SEEM INEVITABLE
Can our government continue to spend more than it brings in, constantly adding to our already massive $25 Trillion national debt, without consequence?
Absolutely not.
Currently, the highest marginal tax bracket is 37%.
While that may seem high, it is actually historically very low.
What is the highest marginal tax bracket the U.S. has ever had? 94%
INSULATE YOUR RETIREMENT
Insulating your finances from the likelihood of higher taxes in the future is possible, but requires comprehensive financial planning. There is no "silver bullet" overnight solution. On average, we have found that it takes 5 - 7 years to efficiently achieve an optimal tax position - pathways that get you there with minimal if any bumping up into much higher tax brackets along the way.
What does a tax advantaged retirement look like? One in which you receive multiple streams of tax-free income, none of which show up on the IRS radar, but all of which work together to minimize or eliminate taxes in retirement.
reduce or eliminate your tax headwinds
Imagine you were about to embark on a 40 year flight. How much fuel will you need? How fast can you go? Will your aircraft weather the storms and the sheer longevity of the journey? With continuous advances in modern medicine, it is reasonable to expect retirement could last 20, 30, even 40 years or more.
Now, think of taxes as the headwinds always slowing you down. Just as a plane loses fuel faster in higher winds, your financial accounts go down faster when taxes rise. Conversely, what if you could engineer your finances and your flight plan so as to reduce or eliminate the headwinds altogether?
Our approach
PRESENT POSITION ANALYSIS
PRESENT POSITION ANALYSIS
PRESENT POSITION ANALYSIS
Using highly sophisticated software, we will model your current financial position. This will allow us to have an informed discussion about the following points, and much more.
- How long your money is likely to last at current tax rates
- What kind of lifestyle you can safely afford
- How current taxes are affecting your lifestyle
- How ready you are for market crashes
- Your ability to weather long term care expenses should they arise
- Tax Bucket Allocations
tax efficient roadmap
PRESENT POSITION ANALYSIS
PRESENT POSITION ANALYSIS
In concert with the financial objectives and concerns you have identified, next we will develop your Tax Efficient Roadmap - essentially a list of recommendations specific to you.
In our second meeting, we will review your Roadmap recommendations, modeled within the same software, allowing us to accurately compare your current financial position to your recommended tax efficient position.
From this point forward, we continue to meet together to empower you with the facts and details about the various strategies being recommended in your Roadmap, as well as to continue to fine-tune your plan design.
ongoing support
PRESENT POSITION ANALYSIS
ongoing support
Once your tax efficient plan is exactly the way you want it, we begin to transition to implementation and ongoing support.
We continue to meet with you on a regular basis to make sure your implementation happens on schedule, to keep your ongoing financial planing on track, and to make adjustments as life happens.
At the very least, we will conduct annual reviews with you. If you prefer to meet more often, we are happy to accommodate - we much prefer ongoing communication rather than letting too much time pass between visits.
BOOK A COMPLIMENTARY CONSULTATION - IN PERSON OR VIRTUAL
Retire Without Uncle Sam
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