Freedom from Debt

Tax Free Retirement

Just say “NO” to an IRA, TSA, 403b, 401k, 457, SEP– (and Roth)

Don’t be a victim of the TAX DEFERRED traps.

Say "Yes" to Tax Free Retirement

What if everything you ever learned about retirement planning was just WRONG?

How much do you want your monthly income to drop
after you retire?

retirement income planning Feeding tax dollars to Uncle Sam....
Cut your income tax obligation....
Have more money for retirement...

 

Set yourself up for life

Create a Financial Safety Net - without being trapped

  • Whether you are 25 or 75, this financial income planning information will apply to you…
             ...year after year we work at our jobs and put away money in various retirement Retirement Income Planningvehicles – ( IRA, 401k, 403b, TSA, etc.) but the statistics are showing us that after you retire, your money may last only 10 years before it runs out.  You could be broke before you die.  If you own a home, you may have to sell the home just to survive.
     

  • What most people think is the “best” way to save just isn’t.  The IRS and Congress approved over 25 years ago, a Retirement Savings program popularly referred to as a “Private Plan” which is not any of the standard government deferred plans.
     

  • The Roth IRA is one answer, however it is limited and restrictive, and does not allow the volume of growth and potential as the "Private Plan"
     

  • Taxes will increase and standard retirement plans are taxable making it very important to change our approach for our Retirement Income Planning -
     

  • Those who are worried about College Funding for their kids, we have answers for you, too.

 



See statement by Alan Greenspan below:
 

Fortune Magazine, October 1, 2007

 

Alan Greenspan

 

“We have a dysfunctional political system in the sense that there are very serious fiscal problems out there, most importantly, Medicare.  As best I can judge when the baby boom (generation) retires, we are going to have to either raise taxes very sharply or cut benefits by half.  No politician wants to confront this.  And this is a very sad event because what’s at stake here is the fiscal stability of the American Government.”

 

Wealth Fades Quickly for many Retirees

Looking back after 10 years / current ages 61 - 71:

  • Total wealth grew 85% from $235,514 to $435,000.

  • 50% saw their wealth increase 50% or more

But during those 10 years:

  • 9% lost 100% of their wealth

  • 21% lost 50 - 100%

  • 4% lost 25 - 50%
     

  • Health was a major factor in retaining wealth

  • Of the 34% who lost their wealth,
    36% had ben hospitalized
    40% had spent time in a Nursing Home

Brett A. Anderson - "Last Chance Retirement"

Last Chance Retirement
A book by Brett A. Anderson

This Financial Planning for Retirement information is a snapshot of some of the information found in Brett’s book, an associate with whom I work.Financial Planning for Retirement

The Best Way to save for Retirement no one has ever told you about – TAX FREE 

Just say “NO” to an IRA, 403b, 401k, 457, SEP– Don’t be a victim of the TAX DEFERRED traps.  And a ROTH isn't much better....

There are 2 ways to go and most go the wrong way

1.     IRA, 403b 457, SEP, Keogh are not tax free

2.     An IRS approved Private Plan that is tax free (and it can yield a 10:1 return on invesment when given time to grow)

What most people think is the “best” way to save just isn’t.  The IRS and Congress approved over 25 years ago, a Financial Planning For Retirement Savings program popularly referred to as a “Private Plan”. 

Which list of options would you choose to be a part of your retirement plan?

 

IRA, 403b, 401k, 457, SEP, or KEOGH

Private Plan

Earnings

Tax deferred

Tax deferred

Principal withdrawals

Taxed 33% - 40%

Tax Free

Earnings Withdrawals

Taxed 33% - 40%

Tax Free

Retirement Income

Taxed 33% - 40%

Tax Free

Beneficiary Value

Taxed 33% - 40%

Tax Free

Contribution Limit

$15,500 max per year

No limit

Pre age 591/2 Penalty

10% + state penalty

None

Mandatory Distribution

Age 701/2

None

Historical rate of return

2-5%

7-9%

 

 

 

Example Comparison – Age 45: save $1000/month for 15 years @ 7% net

Account Value Age 61

$288,000

$317,000

Retirement Income Age 61

$40,000 per year (net $27,000)

$40,000 per year (tax free)

Retirement Income Age 71

0 – already ran out

$40,000 per year (tax free)

Retirement Income Age 81

0 – already ran out

$40,000 per year (tax free)

Retirement Income Age 91

0 – already ran out

$40,000 per year (tax free)

Retirement Income Age 100

0 -  already ran out

$40,000 per year (tax free)

 

 

 

Account Value Age 100

0

$6,000,000

   

See Video Presentation

(you don't need to Login....just click "client presentation")

 

Contact me for an personal interview at no cost to you.  We must analyze your position, and your present investments and assets to see if this is a fit for you.

retirement planning

Lee Zebold, BSc, LX
Accurate Credit and Financial Planning
lzebold@sbcglobal.net

 

 


 

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