Tax Optimization

We offer tax optimization strategies that include tax diversification opportunities and help minimize potential taxes in the future when the tax climate may be adversely impacted by future tax hikes.

There are three tax buckets

1. Tax Now (Stocks, Mutual Funds) You pay the taxes now and you can invest the money into stocks, Mutual Funds, Real Estate etc.
2. Tax Deferred (401K, Fixed Indexed Annuities, IRA, Sep IRA, Solo 401K) You don’t pay the taxes now and pay the taxes when you retire and start taking the retirement income.
3. Tax Advantage (Insurance, Roth IRA, Municipal Bonds, Cash value IUL, Health Savings Account, 529 Plans) You pay the Taxes and invest into Insurance plans and when you take the money out you don’t need to pay any taxes.

You can also put the money in the Roth IRA but it depends on the family income as everyone cannot contribute the money in to Roth IRA.

Municipal bonds are thing of the past as they are not popular.