Chances are, you landed here because you fall into 1 of 2 categories:
A) You are age 30 to 60 and you are looking for a way to grow your retirement funds significantly, without having to risk your principal in speculative investments or learning to day trade. If so you are in the right place. Click the button below to learn more about how we can help you.
Together we’ll build a solid financial plan, so you can retire on your terms.
Or
B) Maybe you are getting close to retirement - say within the next year or perhaps five years from now. Regardless, chances are you are thinking about 1 thing: Will the money I’ve saved last me throughout my entire life?
The good news is, we can absolutely help give you peace of mind so you can ‘lock in your lifestyle’ and live a stress-free retirement with guaranteed income. If this is you, click the button below to learn more.
THE GROWERS
Whether you are just starting your savings journey, or you’ve built a sizable nest egg, we can help you grow your retirement funds - often exceeding expectations - while shielding you from potential market downsides and taxes.
Is your IRA or 401(k) a Tax Trap?
We were all taught the same basic mantra - defer paying taxes now on your retirement investments, and then - in retirement - your tax bracket will be lower and thus you’ll pay less to the government. The problem is - that math simple doesn’t work today. Do you really believe taxes are going down? Do you think you will be in lower tax bracket in retirement? All of our research tells us NO. On January 11, 2011, a CPA named David M. Walker appeared on national radio and made a grim prognostication: Based on the current fiscal path, future tax rates will have to double or our country could go bankrupt. This is based on simple math. Social Security and Medicare costs are increasing with the Baby Boomer generation reaching retirement age. Add in the interest on the national debt, and the mathematical reality is that, absent any spending cuts, tax rates would have to double.
“Come on, let’s get serious”, you must be saying to yourself. “Could tax rates really double?”. Well, yes. In 1943, the highest marginal tax rate in the US was 94%. So, it is a very real possibility, and one might argue a mathematical necessity, that taxes will have to increase. Here at Edwards Wealth Protection Advisors, we advocate moving as much money as possible into investment assets that will allow you tap into your funds tax free - even before retirement if needed. Ultimately our goal is to get you as close to zero taxes in retirement as possible. And our preferred financial vehicle to get you there?- a properly structured, fully funded Indexed Universal Life insurance policy. Otherwise known as an IUL.
Let us say this - if you are not a fan of life insurance - if you think its a scam or whatever, that’s fine. Or perhaps you don’t think that your taxes will be higher in retirement than they are now. Either way, in full disclosure, we probably aren’t a good fit for you, because our strategies won’t align with your principles and goals.
But, if you agree with us that taxes are only going up, and you want to explore real, implementable strategies to reduce or possibly even eliminate taxes in retirement (and also leave tax free money to your heirs), then click the button below and lets arrange a time to talk so we can learn about your situation and design a plan that works for you.
Let’s be real - retirement can be scary.
You worked hard all your life and built up a sizable nest egg - the accumulation phase.
The reality is that saving for your retirement might have been the easy part - now comes the hard part - decumulation.
And with it comes the very real fear of outliving your money.
Let’s protect what you’ve built, so you can live the retirement you dreamed about with peace of mind.
It begins with the three assets you’ll need in retirement…..
The Only Three Assets You’ll Need in Retirement
But not just any index - we recommend 70% in a Total US Stock Market Index, and 30% in a Total International Index. You’ll want to rebalance anytime you balances get more than 5% out of wack. This is your growth engine. This bucket is what pays for your discretionary spending.
Now, full disclosure here. We understand that the word ‘annuity’ can trigger strong, visceral reactions. But understand that today’s annuities are far different from the irrevocable annuities from decades past. When structured properly, modern annuities can do 3 things that no other investment can - it can act like a bond alternative during the deferral years, it can provide guaranteed income you can never outlive, and it can keep pace with inflation over time. This asset eliminates the risk of outliving your money. To learn more about Fixed Indexed Annuities, click the button below.
An Indexed Universal Life policy - an IUL, is the Swiss Army Knife of financial assets. Again, we fully appreciate that many folks are turned off by term life insurance. But a landmark study by Ernst and Young concluded that retirement plans included both FIA’s and IUL’s provided more money in retirement, a higher likelihood of money last throughout life expectancy, and more money left to heirs versus a ‘investment only’ approach to retirement. To learn more about how IUL’s work, and how you could benefit from one, click the Learn More button below.
Want to learn more about retiring with more money and lower taxes?
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