top of page


If you had to choose, would you rather make more money, or keep more money?

Traditional options to save for retirement provide advantages such as tax-deferred growth and tax-deductible contributions. In a Roth IRA, you even get to generate tax-free income. Your traditional IRA, Roth IRA, 401k, 403b and 457 plans all have one thing in common: they're Qualified. That means that you don't have to pay tax on the interest you earn each year, which allows you to accumulate as much money as you can by the time you retire. To keep you from impulse-buying with your retirement savings, you are penalized if you access your account prior to age 59 1/2. However, except for Roth programs, you pay tax on your Qualified retirement income when you spend it, and, even if you don't need your retirement income by the time you turn 72, you are required to begin withdrawing - and paying taxes - on it. 

Qualified Plans have advantages, yes. We can create them together. We can roll-over your old 401k or TSP when you are no longer working for the company that provided it. However, you do have a challenge with your Qualified Plan. You have invited the IRS to be a significant partner in your retirement. And, since we don't know what our tax rates and brackets will definitively be once we age into spending retirement dollars, we don't know what percentage our federal retirement partner will have in our future. 

Tax-Free income generating Roth products sound great now, right! In many ways, they are wonderful. The challenge here, however, is that our annual contributions are very limited by the product rules, and we may earn our way out of even being able to contribute to these accounts. 

While not mainstream, for those who are eligible and for which it is suitable, I can help create tax-advantaged retirement income, accessible without penalty prior to age 59 1/2 at any contribution level. Your money will grow tax-deferred, you can access it tax-free and, at death, it will transfer to the beneficiary(s) of your choice tax-free, as well.

Control your path to retirement and live a life you love!

bottom of page