Where we help people who are serious about their money and their life.
We help you keep more of your money.
Our objective is to understand the whole picture of finances and investments, free of media and popular influence and bias.
If you can situate your assets such that you are in the zero percent tax bracket in retirement, then you have effectively insulated yourself from the impact of higher taxes. If you’re in the zero percent tax bracket and tax rates double, two times zero is still zero!
Conventional wisdom says that you will be in a lower tax bracket in retirement than during your working years...and that made sense in the 70’s... but it doesn’t hold true for the current situation. The truth is that a lot of the deductions you enjoy when you’re working disappear once you retire, and many people end up in a higher tax bracket instead.
We know that the current tax rates expire on Jan 1, 2026, and they will return to what they were in 2017, if Congress does nothing before that time. But the real danger is what will happen to tax rates in 2028, 2030, and beyond. We are moving into a future where the debt we are taking on will be unsustainable and we will either default on the debt or raise taxes. It will be challenging - but there are ways for people to insulate themselves from these dire repercussions.
Most people believe that tax rates will be higher in the future, but they still have the majority of their retirement portfolio in the tax-deferred (tax-postponed) bucket. This is one place where there is a disconnect between what people believe and how they act because of the inertia of traditional wisdom.
"To be clear, I’m not a big advocate of the tools we have because I’m in the planning business. I’m in the planning business because I’m a big advocate of the tools we have." Jeff Woodard
"A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous!" Proverbs 13:22
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