The New Three-Legged Stool

A Tax Efficient Approach to Retirement Planning

Imagine you’re playing a game called Retirement Distribution.  Your opponent, the IRS, wrote the rules of the game. The secret to winning this game is to keep the IRS out of your financial affairs before they have the right to interfere.  To win, you will need a guide to the fine print in the rule book, and a sound strategy.

Frank Richardson was a good man who served four years in the United States Army and fought for his country in the Korean War. He then spent 25 years building a successful business. Frank worked hard to improve both his own life and the lives of others around him, employing 1,000 people in the town—people like you and me who got up every morning, drank coffee, took their kids to school, built lives.

Unfortunately, Frank didn’t work as hard to protect his retirement account from the IRS.  By the time Frank’s estate was settled, 85.8% of a $2.5 million retirement account went to pay taxes.  Don’t let this happen to you!

• Why tax-deferral is bad in retirement.
• How to invest tax-efficiently to minimize risk and taxes.
• What is the R/D Factor™ and how to use it to control taxes.
• How to maximize your Social Security benefits.
• Five ways to take money from your IRA before age 59 ½ without penalty.
• Why you don’t want to hold stocks in your IRA account.
• Five reasons to reexamine your estate plan.
• When to start drawing Social Security early and when to wait.
• How to transfer your least tax-efficient assets to an IRA without penalty.
• How to save up to 30% in taxes when taking assets from a 401(k) plan.