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Tax Free Strategies

How much in taxes do you want to pay in retirement? If you own any qualified accounts such as 401(k)s or IRAs, you are already heading toward a substantial tax bill coming due once you start using those retirement accounts for income.

3 Biggest Risks You Face in Retirement

Stock Market Volatility

You may be heavily invested in stocks as they approach retirement which could result in large losses to your investments.


With improvements to medicine and health care, retirees may live 20-30 years into their retirement and sometimes even longer.

Income Taxes

The majority of taxes, a staggering amount of 86%, solely comes from the Top 25% of income wage earners in America.

Who exactly are the wealthy?

If you make more than $79,000 a year in combined income, you are already included in a group of individuals likely paying the majority of taxes in America. With that amount of income, you are considered to be in the Top 25% of wage earners.

You account for 86% of the tax revenue that is generated for the government! The wealthy understand this and are implementing strategies that reduce, or completely eliminate, taxes all together while in retirement.

Given the ever-increasing national debt with the recent government bailouts and the funding issues surrounding Social Security and Medicare, the wealthy are even anticipating that tax rates are likely to go up in the future.

Common Wealth Accumulation Vehicles

In today’s financial industry, there are many financial products, or vehicles, which can help you accumulate wealth. Some offer tax deferred options, while some others offer guarantees, etc. With so many vehicles out there, it can get confusing and that’s why it is so important to have a trusted advisor to help guide you along the way so that you achieve your financial needs and goals.

Below is everything that you would want in a perfect financial vehicle. We outlined several of the most common accounts that people put their money into to save towards retirement. The "green" signifies matching with what you want while the "red" signifies it does not match your wants. As you can see, most of the common accounts do not align with what you ultimately would want in a financial vehicle.

Free Guide: How to Escape the Retirement Tax Trap

Ever wonder what the most successful, wealthy people are doing to build their wealth? This consumer guide shows you exactly what they are doing and outlines the steps you need to take to implement these strategies yourself. This is a must-read for anyone who is serious about positioning themselves for financial success.

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