Retirement & Tax Planning

Explore how retirement income, annuities, taxes, liquidity, and legacy goals fit into one coordinated financial system. These resources help readers evaluate distribution strategies and build income they can rely on without losing sight of flexibility and family wealth.

How to Pay Less Tax

By Rachel Marshall / March 27, 2023 / Comments Off on How to Pay Less Tax

Concerned about taxes in the future? Taxes are a huge eroder of wealth. While you do not have control over tax rates, you can strategically position yourself to maintain control of as much of your money as possible. Taxes are at a historic low, so it is time to learn how to pay less tax…

Inflation, Pensions, and Infinite Banking Q&A

By Rachel Marshall / February 27, 2023 / Comments Off on Inflation, Pensions, and Infinite Banking Q&A

Considering Infinite Banking, got questions? We love your questions because we know that gaining clarity and getting answers frees you up to make decisions about your financial life. And chances are if you’re asking, someone else is too! Today, we’re tackling audience questions on inflation, pensions, and infinite banking. To get more clarity on common…

Tax-Free Retirement is a Bad Idea

By Rachel Marshall / January 2, 2023 / Comments Off on Tax-Free Retirement is a Bad Idea

Want tax-free retirement income? Tax-free money in retirement sounds amazing… at first glance. But before you dive into this strategy, there are three things you need to know about why “Tax-Free Retirement” is a really bad idea. To find out exactly why you shouldn’t set up your financial game plan for tax-free retirement… tune in…

Using Reverse Mortgages in a Responsible Retirement Income Plan, with Dr. Wade Pfau

By Rachel Marshall / October 31, 2022 / Comments Off on Using Reverse Mortgages in a Responsible Retirement Income Plan, with Dr. Wade Pfau

Reverse mortgages are becoming more mainstream. But to benefit from using one, you need to understand how to incorporate it into a responsible retirement income plan. So exactly what is a reverse mortgage? What role should it fill in your retirement planning? And should you open a reverse mortgage early or as a last resort?  To…

3 Benefits of Whole Life Insurance in Your Retirement Plan, with Dr. Wade Pfau

By Rachel Marshall / September 5, 2022 / Comments Off on 3 Benefits of Whole Life Insurance in Your Retirement Plan, with Dr. Wade Pfau

Most people don’t see the need for life insurance in their later years, let alone the benefit of whole life insurance in their retirement plan. By retirement, you may expect to have your home paid off, and not have the same income needs as before. You may even decide you’re not retiring at all if…

The Secure Act: Important Changes to Your IRA that You Need to Know

By Rachel Marshall / February 15, 2021 / Comments Off on The Secure Act: Important Changes to Your IRA that You Need to Know

If you’re planning to leave an inheritance to your children, there’s a new rule in the Secure Act that will probably cause your kids to pay more taxes if you pass on your retirement plan. Today, we’re discussing how the Secure Act, passed in 2019, affects your retirement plans and may front-load taxes to kids…

Deferred Sales Trust: Defer Capital Gains Taxes With More Flexibility Than a 1031 Exchange

By Rachel Marshall / November 16, 2020 / Comments Off on Deferred Sales Trust: Defer Capital Gains Taxes With More Flexibility Than a 1031 Exchange

Do you want the freedom to sell real estate at the top of the market and wait to invest until the right time, without having to rush cash into a new property with a 1031, but still be able to defer taxes? A deferred sales trust may be for you – this capital gains tax…

Sequence of Returns Risk: How to Get the Most Investment Income Without Running Out of Money

By Rachel Marshall / August 24, 2020 / Comments Off on Sequence of Returns Risk: How to Get the Most Investment Income Without Running Out of Money

Did you know there’s a secret hiding in plain sight that average rates of return will never tell you? In this episode, we’ll discuss the Sequence of Returns and the risk they pose to your future income. Then, we’ll show you exactly how to minimize the risk. We’ll also look at how to mitigate sequence…

Maximizing Retirement Income with Whole Life Insurance – Dr. Wade Pfau

By Rachel Marshall / August 3, 2020 / Comments Off on Maximizing Retirement Income with Whole Life Insurance – Dr. Wade Pfau

Want to get the most income later in life?  Your success depends not on one product, but the coordination of financial tools and your entire personal financial system.  Whether your focus is on acquiring cash-flowing assets or you have a more typical investment portfolio, whole life insurance and annuities can play a critical role.  That’s…

Why You Shouldn’t Retire

By Rachel Marshall / November 4, 2019 / Comments Off on Why You Shouldn’t Retire

Retirement seems top of mind in almost every financial endeavor in our culture.  It’s this buzzword at the culmination of all your financial pursuits, as if it’s the thing we all must strive for, and the trophy of financial success.  The endpoint.  The goal.  The place where we get when we have finally “arrived.”  Financial…

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