Retirement Planner Specializing in Safety-First Income Planning — protecting retirement savings, minimizing market risk, and creating lifetime peace of mind.💰 Tax-Efficient Income Strategies | Tax-free Wealth Transfer | Long-Term Care Planning | Social Security Optimization 📚 Author | 💕 Jesus Follower | ⚾️ Ex-NCAA Athlete 👇🏻Subscribe to Safe Money Weekly for simple, effective strategies to retire with confidence 📰
Tax-Smart Income Planning - Safe Money Weekly - 10.31.25
Published 4 days ago • 2 min read
Happy Friday Reader!
Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels).
Tax-Smart Income Planning
Tax planning - like all retirement planning, is something that should be reviewed annually (because tax laws change as do your retirement and legacy goals). But, the 🔑 components to really take into consideration are: ✅ Average lifetime tax rate ✅ Total lifetime taxes paid ✅ Total net income collected ✅ AND total net legacy for your loved ones It’s an ongoing process but proper tax planning can be worth MILLIONS to you and your loved ones 👏
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):
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)!
This Week’s Case Study: Bear-Market-Proof Retirement Income
Frank and Estelle, both 60, had nearly $2 million saved but feared retiring into a market downturn. To eliminate that risk, we restructured their plan using a Safety-First Income Strategy — turning part of their IRA into a guaranteed lifetime income annuity growing at 8% per year.
At 65, they’ll have $11,147/month of bear-market-proof income, and if they delay to 67, that grows to $13,120/month for life — all while keeping their growth portfolio intact.
By pairing guaranteed income with long-term market growth, they turned fear into confidence and built a retirement plan that thrives in any market.
💡 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 — all without reducing your account value or bumping you into a higher tax bracket. 👉 Let’s run the numbers together.
Complete Guide to Long-term Care Planning (New One-pager)
Long-term care isn’t just a future concern—it’s 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
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Retirement Planner Specializing in Safety-First Income Planning — protecting retirement savings, minimizing market risk, and creating lifetime peace of mind.💰 Tax-Efficient Income Strategies | Tax-free Wealth Transfer | Long-Term Care Planning | Social Security Optimization 📚 Author | 💕 Jesus Follower | ⚾️ Ex-NCAA Athlete 👇🏻Subscribe to Safe Money Weekly for simple, effective strategies to retire with confidence 📰