Welcome To Income For Life
Safety-First Retirement Planning
Customized Retirement Planning
If what you think is true turned out not to be true
when would you want to know?
Retirement and Quality of Life
Asking the right questions about how you can make your money work for retirement without sacrificing your quality of life.
Social Security: By the Numbers
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 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 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
Our priority is helping you take care of yourself and your family. We want to learn more about your situation, identify your dreams and goals, and understand your risk tolerance. Long-term relationships that encourage open and honest communication have been the cornerstone of our foundation of success.
A planner with a unique approach
We believe that there is more opportunity to serve our clients by helping them first avoid the losses, before trying to pick the winners.
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Let's talk about your investment strategies.
"A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous!"
For the best retirement, follow the MERIT Planning Model:
M: Mortgage planningE: Estate planningR: Real estate planningI: Insurance planningT: Tax planning
Just like "old technology" is no good for the future, neither is an old retirement plan!
Today's traditional retirement plan was designed over 30 years ago when 401k plans and IRAs replaced pensions.Hasn't our society changed since then?
- We upgrade our cars so we don’t get stranded.- We upgrade our software so our computers perform better.- We upgrade our smartphone apps so they do more for us.
- When was the last time you “upgraded” your Retirement Plan?
It is WELL worth 1 hour of your time to find out about Retirement 3.0 options!
Fill in the form and let's discuss YOUR upgraded plan.
GET YOUR FREE COPY OF Retirement Solutions & Strategies: Reaching Your Summit & Protecting Your Income for Life.
MBA, Certified Financial Fiduciary®
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