FEDERAL TAX RISK – Postponing the tax and the tax calculation is just a ticking tax time bomb. Federal tax rates are at historic lows, today. Most people will lose their major tax deductions (mortgage interest & kids) by the time they start withdrawing funds. The National Debt is $23+ TRILLION, Social Security is $20+ TRILLION and Medicare it $31+ TRILLION UNDERFUNDED! If you were a farmer, would you elect to pay tax on the HARVEST or the SEED?

ARE TAXES GOING UP? YOU MAKE THE CALL!

STATE & LOCAL TAX RISK – Approximately 20+ states currently charge state income tax on qualified plan distributions. Municipalities (counties, townships, towns & cities) are now (or they’re considering) taxing these accounts in the future.

REMEMBER – they have taxing authority. You could have three (3) unintended and uninvited partners in your retirement!

WHAT STATE WILL YOU RETIRE IN? CAN YOU WITHSTAND 2 TO 3 TAXING PARTNERS IN RETIREMENT?

FEE RISK – is daunting and wealth eroding. Qualified plans have at least, two (2) levels of fees. The plan fees alone range from 1-2.5% annually. In addition, Forbes reports that mutual funds (widely held by these accounts), average 4.1% in annual fees which are HIDDEN!

That’s right – these fees are not legally required to be disclosed to you. So, you see your statements NET of these fees.

FAILURE TO ADDRESS FEE RISK WILL DECIMATE YOUR RETIREMENT!

MARKET RISK – is inherent with these accounts. 99% of these accounts are invested on Wall Street. Most people are simply, following the herd in the absence of a better idea. Worse yet, they’re using the OLD Buy, Hold and Pray Strategy. Wall Street takes a pay cut, if you move your funds to cash or a money market fund. Despite their lies, true diversification on Wall Street is clearly impossible, inside or outside of these plans.

2019 ENDS THE BEST DECADE IN U.S. MARKET HISTORY! HOW WILL YOU KNOW WHEN TO GET OFF THE ROLLER COASTER ?

LONGEVITY RISK – will be a silent killer of your family’s financial future with these accounts. These accounts relegate most retirees to pedestrian returns because they can’t tolerate the risk of loss at an advanced age. Instead, they’re forced to just tread water with inflation, with little or no growth, for potentially, the final third of their lives. Will you be able to maintain your lifestyle during retirement?

ANNUITIES ARE NOT THE ANSWER! THEY LIKELY WON’T LOSE MONEY, BUT THEY’LL RARELY BEAT INFLATION OVER TIME!

GOOD NEWS! OUR TAX-FREE PLAN – is a wildly better and safer-money, tax-free wealth accumulation strategy which is just tremendous for your retirement.  It’s just one of our core suite of safer-money no-market-risk solutions.

This is an IRS approved and proven solution. It is a post-tax vehicle that grows your money, income tax free, while featuring sharply lower fees and protecting you from both market risk and longevity risk.  THIS VEHICLE IS NOT A ROTH IRA & NOT AN ANNUITY!

LEARN MORE TODAY – Schedule a complimentary consultation (IN-PERSON OR WEB-BASED) at your convenience!