A receptionist is retiring from a $43,000 salary to $35,000 in retirement – an $18,000 Social Security check and a $17,000 annual withdrawal from her 401(k).  By utilizing tried and true tax laws that have been around for over a hundred years, we were able to establish a tax-exempt account from which she’ll draw a tax-exempt cash flow of $30,000 a year.  And because there’s no place on a tax return to even report that $30,000, her Social Security benefit of $18,000 remains tax-free as well.

That’s a pay raise in retirement, from $43,000 taxable to $48,000 tax-exempt.  She’s so excited!  For the first time, she now has the time and money to be involved in the lives of her grandchildren in ways she never expected to be able to afford.

Can we do this for everyone?  Of course not.  Can we do it for someone you love?  Maybe.  If you could help someone in this way, would you?

This hypothetical example is used for illustrative purposes only and is not representative of actual results