The 4 Essential Elements:

Retirement Planning

Our unique and proprietary systems and services will take you from where you are today to your Financial Independence Day so you can begin to live the life you really want.  Select any of the headings below to learn more about them now.

  • The 4×4 Financial Independence Plan sm
  • The Smart Social Security Benefits Maximizer/Retirement Healthcare Expense Estimator sm
  • The 401k Supercharger sm
  • The Home Equity Acceleration Plan – H.E.A.P.
  • College Planning
  • Consulting

Educational Articles

The material in this section is designed to help you both grow and maintain your Retirement Plan so you can Live more independent!

Roth Conversions-A Tax-Effficient Approach

Tax-Efficient Retirement Workshop The Benefits of Partial Roth Conversions   November 7, 2019 Most everyone knows that they can convert a traditional retirement plan into a tax-free Roth. Meaning, a 401(k), IRA, SEP, SIMPLE or other tax-deferred retirement plan...

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Tax Reform Guide – The Tax, Jobs & Cuts Act (TJCA) 2019

The 2018 Tax Reform bill, referred to as the Tax Cuts and Jobs Act (TCJA), is the most comprehensive tax reform bill to pass Congress in decades.  While understanding everything that changed with this bill is completely unnecessary, understanding what changes will...

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The Smart Tax Planning Newsletter – October 2019

The Smart Tax Planning - October 2019   Below is a fairly detailed review of several important Tax Topics. I will provide you with a similar synopsis each month. I realize that not all of this information will be important to everyone. Therefore, to make the best...

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An Overview of Asset Transfer Strategies

Whenever we acquire assets, we take title to them in many ways.  Most time, we really don't give this much thought.  We just think of them as "ours".  Sometimes, with larger assets especially, we do give consideration at to how we want to title (take ownership) those...

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Monthly Tax Newsletter – August 2019

Tax Tips August 2019 Below is a detailed review of several important tax topics. I provide you with a similar synopsis each month. I realize that not all of this information will be important to everyone. Therefore, to make the best use of your time, just scan through...

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Monthly Tax Newsletter – July 2019

Tax Tips July 2019 Below is a detailed review of several important tax topics. I will continue to provide you with a similar synopsis each month. I realize that not all of this information will be important to everyone. Therefore, to make the best use of your time,...

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Monthly Tax Newsletter – June 2019

Combine Home Sale with the 1031 Exchange You don’t often get the opportunity to even consider making a tax-saving double play. But your personal residence combined with a desire for a rental property can provide just such an opportunity. The tax-saving strategy is to...

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Monthly Tax Newsletter – May 2019

Backdoor Roth IRA Opportunities Still Available After TCJA As you likely know, the Roth IRA is a terrific way to grow your wealth with minimum tax downside because you pay the taxes upfront. Then, with the proper holding period, pay no taxes thereafter. I have some...

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Monthly Tax Newsletter – March 2019

When the Second Office in the Home Is a Principal Place of Business When possible, you want to claim that your office in your home qualifies as a principal place of business because of this classification: Gives you the home-office deduction, and Eliminates commuting...

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