I help individuals and families transition from the accumulation phase of retirement to the income phase through structured income planning and tax-smart withdrawal strategies.
Safe Money Weekly - 1.23.26
Published 2 months agoย โขย 3 min read
Happy Friday Reader!
Just a quick reminder from last week โ I quietly rolled out a brand-new website that I had built as a free, growing resource hub for smarter, more confident retirement decisions.
It brings 300+ of my blogs into one place (no paywalls), lays out my retirement income philosophy in more detail, answers many of the FAQs I get every day, and includes real client stories, and resources Iโll keep expanding over time.
2 Ways to Leverage Guarantees to Protect Your Principal & Live Off the Interest
What if income didnโt require market risk or principal erosion? Here are two safety-first strategies designed for predictable interest and protected capital.
How Should a 65-Year-Old Couple Spend $1 Million Over a 30-Year Retirement?โ โ(Three Income Strategies โ Three Very Different Outcomes)
This case study compares three ways to turn $1M into retirement income โ from guaranteed safety to aggressive growth โ and shows how dramatically outcomes can change based on where the risk lives.
Tax planning - like all retirement planning, is something that should be reviewed annually (because tax laws change as do your retirement and legacy goals). โ But, the ๐ components to really take into consideration are: โ โ Average lifetime tax rate โ Total lifetime taxes paid โ Total net income collected โ AND total net legacy for your loved ones โ Itโs an ongoing process but proper tax planning can be worth MILLIONS to you and your loved ones ๐
Here's a snapshot of how much the right income strategy can save you (and your loved ones) in lifetime taxes (based on a case study I did this week):
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This shows a very significant decrease in lifetime taxes, an increase in overall income, and a larger legacy for loved ones (as compared to traditional distribution/income strategies)!
๐ก Want to see how a Roth conversion could work for your retirement? My new Roth Conversion Blueprint shows the long-term tax savings, income benefits, and legacy potential โ all without reducing your account value or bumping you into a higher tax bracket. ๐ Letโs run the numbers together.
Complete Guide to Long-term Care Planning (New One-pager)
Long-term care isnโt just a future concernโitโs a planning opportunity today. This all-in-one guide breaks down the costs, risks, and strategies to help you protect your wealth and leverage LTC solutions before you need them.
Note: this is done through 1 company I work with, so while it may be a good estimator for your situation, there may also be a better option with a different company (and a higher payout) for you
As always, thanks for allowing me into your inbox. If there is any way that I can be a resource for you, please don't hesitate to reach out.
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I help individuals and families transition from the accumulation phase of retirement to the income phase through structured income planning and tax-smart withdrawal strategies.