Most retirement plans are built for the years you save.
Fewer are built for the years you spend.
There is a second way to structure a retirement, built on rules that have been in the tax code for decades. Most people are never shown it, for reasons that have nothing to do with whether it would suit them.
Most retirement plans are built for the years you save.
Fewer are built for the years you spend.
There is a second way to structure a retirement, built on rules that have been in the tax code for decades. Most people are never shown it, for reasons that have nothing to do with whether it would suit them.
"Why hasn’t my financial advisor ever told me about this?”
It is the first question almost everyone asks, and the honest answer has two parts. Neither of them is that your advisor did anything wrong.
Most advisors were
never trained on it.
This sits outside what a typical advisory practice is built to handle. It is not part of the standard curriculum, and it does not come up in a standard annual review.
Most advisors recommend what their firm makes available.
An advisor recommends from the shelf they are given. If
something is not on that shelf, it does not enter the
conversation, however well it might have fit.
A different structure,
not a different
product category
Most retirement saving is built the same way. You put money in, it grows, and what you eventually keep is settled later, at rates nobody has set yet.
A Tax-Smart-Retirement strategy is structured around the second half of that sentence. It uses rules that have existed for decades and arranges them so that more of the decision about what you keep is made up front, by design, rather than later, by default.
It is not new. It is not a loophole. It is a structure that most households are simply never walked through.
Three steps
01
A short conversation about where you actually are
A licensed agent reviews what you have, what it is expected to produce, and what happens to it when you start drawing on it. No projections are made up; the review works from your own numbers.
02
A side-by-side of
the two structures
You have seen the national debt pass $39 trillion. You have watched central banks quietly reposition their reserves. You do not need convincing. You need a plan.
The IRA Protection Plan is designed for people who are ready to act.
03
A recommendation
you can take or leave
If it fits, the agent explains which options suit your situation and why. If it does not fit, they say so. There is no obligation at any point.
Two ways to build the same retirement
A Conventional Plan
What you keep is settled later
Contributions are capped by statute
Withdrawals can be required on a schedule
The balance is the headline number
Market exposure is direct
A Tax-Smart-Retirement structure
More of it is settled at the outset
Structured differently, with different limits
No required withdrawal schedule
What it pays is the headline number
Exposure is structured, with a floor on the portion allocated
A Conventional Plan
What you keep is settled later
A Tax-Smart-Retirement structure
More of it is settled at the outset
A Conventional Plan
Contributions are capped by statute
A Tax-Smart-Retirement structure
Structured differently, with different limits
A Conventional Plan
Withdrawals can be required on a schedule
A Tax-Smart-Retirement structure
No required withdrawal schedules
A Conventional Plan
The balance is the headline number
A Tax-Smart-Retirement structure
What it pays is the headline number
A Conventional Plan
Market exposure is direct
A Tax-Smart-Retirement structure
Exposure is structrured , with a floor on the proportion allocated
It tends to suit people in one of these situations
It tends to suit
people in one
of
these
situations
- Households earning more than $100,000 a year who have run out of room in conventional plans
- Business owners and the self-employed with no employer plan behind them
- People approaching retirement who want part of their income to arrive on a schedule rather than be withdrawn from a balance
- People who have saved well and are finding it difficult to actually spend what they saved
- Anyone whose plan has been explained to them as a probability rather than a number
It tends not to suit
- Anyone who needs full access to all of the money in the short term
- Anyone who has not yet used the conventional options available to them
“This sounds too
good to be true.”
That is usually the first reaction, and it is the right
instinct to have about anything financial that arrives through an ad.
So, plainly: this is not new, it is not a secret, and nobody is hiding it. The rules behind it are public and have been for decades. It is a licensed strategy, arranged by a licensed agent, and it suits some situations and not others.
What it is not is a way to avoid what you owe. It is a different structure with a different set of trade-offs, and the trade-offs are explained before anything is signed.
See whether this applies to your situation
See whether this applies to your situation
A short survey, about thirty seconds. It asks where your
income comes from, roughly what your household earns, and what you want retirement to look like. There is no cost and no obligation, and you are not committing to a call by completing it.
Frequently asked questions
Is there a contribution limit?
The limits work differently from those on conventional retirement accounts. A licensed agent will walk you through what applies to your situation.
Will I be forced to take withdrawals at a certain age?
No required withdrawal schedule applies to this structure. Your conventional accounts are unaffected and keep their own rules.
What does it cost to find out?
Nothing. The survey and the review are free, and you are under no obligation afterwards.
Why hasn’t my advisor mentioned it?
It is almost always a question of training and product availability rather than anything about your advisor. The two reasons are set out at the top of this page.
Who will I be speaking to?
An independently licensed professional who runs their own practice, not an employee of this website. You are introduced to them by name before any call is booked.