Future Taxation is very uncertain. If all of the money you have set aside to grow is Tax Deferred, then consider what potential future taxation might actually look like. History has shown us that tax rates will change. There are essentially two ways to reduce our national debt: spend less or tax more. What do you think the future will hold for our country as bills come due?



Many are discovering that after the Tax Man takes his cut, they don’t really have as much as they expected or even need. Most people do not properly manage or consider future taxation when saving. This is an important part of our our process. Tax exempt strategies give us the ability to create more buying power for our clients and remove the tax man from the equation.



Do you make too much money to utilize tax advantaged savings through traditional retirement vehicles (i.e. E.R.I.S.A.)? Or maybe you can't save enough to establish the lifestyle you want because of the low limits. We specialize in advanced strategies that still provide tax benefits for those who are above the income thresholds of E.R.I.S.A (Qualified Accounts). 

For those who want to establish future income in a tax exempt environment. Maybe you started saving a little later in life, or experienced a restart and need to play catch up. It could be that the typical Qualified plan savings limits are just not enough to provide the lifestyle you desire (for those with $100K+/yr household income). The beauty of these strategies is that they are powerful income mechanisms and in 5 years you could be done saving and have a piece of tax exempt income for your future financial independence.

Preserving the longevity of income is crucial in developing a sustainable passive income stream that will last our clients for the rest of their life.  Establishing a strong income to longevity ratio secures our financial independence and freedom and does so in a way that carries on for future generations.  Income planning in retirement should take a number of factors into consideration:

• Market volatility and Loss
• Illness and unexpected events
• Taxation
• Preservation of underling assets



For those starting, restarting, or upgrading their money story. We work with individuals and business leaders to facilitate the process of getting their time money and values aligned. We believe there is power in telling the proper money story. A story where you tell your money what to do and it listens! There is a place where your money, time, values, and beliefs align and you know the answers to the questions “Capacity for what?” and “Capacity for Who?” Our Capacity Coaching sessions are engaging, simple, and effective.

There are two compelling questions everyone needs to answer:

• Who do you want to make decisions if you were incapacitated or passed away: You or the courts (probate)?
• How much of your estate do you want to be paid to courts and lawyers?

Do you know that you already have an estate plan.  Its either your plan or the governments plan.  Who do you want making some of your most important life decisions, you or the government/judges? How much of your estate do you want to be paid to courts and lawyers?  The question becomes will it have to go through probate.  If you don't have a trust in place it will. Properly planning an estate and inheritance is something most people put off.  There is so much that we all have going on in our lives and estate planning ends up being put into the "someday bucket".  Some of the common reasons we hear are:

• It's too complicated
• I don't have enough assets
• It's uncomfortable
• It cost's too much