Why Isn't The Financial Industry Teaching Distribution?
How Using Technology We Can Simplify And Automate Our Financial Future
What Challenges Will You Face?
12 Million Older American Will Need Long Term Care in 2020
With just one spouse needing Long Term Care at an average of $79,000 per year, running out of money is a big risk.
47% Of Retirees are Forced Into Retirement.
Almost half of people retiring have to because they are laid off, have health care problems or have to take care of a sick parent or spouse.
In the 2008 Recession and Stock Crash over 60% of People Had To Add An Additional Ten Years To Work To Be Able To Retire
For those that either did not have a plan or took too much investment risk, 2008 - 2009 caused irreparable harm. Certain Investments that were promoted by financial institutions as being safe - went bankrupt.
Those With Sizable Retirement Accounts Are At The Greatest Risk
If you have saved money into before tax retirement accounts with the intent of taking money out at a lower tax bracket than what you were in when working, you will be disappointed. Recent changes can cause up to a 100% increase in the tax paid on retirement accounts. Also, due to the recent SECURE act, the tax effect to children has increased.
What About Risk
Have you ever been told by a financial advisor that your investments are either conservative, moderate or aggressive? What does that really mean? Does your speedometer in your car say slow, moderate or fast? Of course not! You need to know exactly how fast you are going! It's the same with your investments, you need to know the actual risk you are taking. While the financial industry usually masks the real risk, you need to find out if you will run out of money in case of a crisis.
Is There A Smarter Way To Distribute Assets?
Volatility in retirement is as much of a risk as buying a bad investment. When distributing money, you want to have a low risk plan so you'll know where, how and when to take income. Watch this short video on the Bucket Strategy
Which One Of These Situations Describes You?
Selling A Business
Once you convert your equity of your business to cash, do you have a way to create the highest and most efficient income? Use Wiser Retire technology to learn how.
If you are expecting a settlement and need to figure out how to either create your own tax efficient income, or just want to double check your advisors, use Wiser Retire technology to learn how.
When you change jobs, your 401-k can be rolled over to your new employer. Use Wiser Retire technology to find out if this is the smart thing to do
Layoff or Downsizing
When you lose your job, your 401-K becomes available. Should you use it, roll it over, or convert to a ROTH? Use Wiser Retire technology to find out.
If you're already retired, do you have a fully automated system to make sure you are getting the highest tax efficient income possible? Use Wiser Retire technology to find out
When we lose someone we love we may also be faced with big decisions on what to do with the inheritance. Use Wiser Retire technology to either create your own plan or double check what advisors are telling you.
When you win a lawsuit, you have to find a way to put the money to work. Have you created an asset protection plan so your money is protected? Use Wiser Retire technology to find your weak points.
Sold Real Estate
When you convert assets like real estate or stocks you have to have a plan to reduce the tax and hold onto the most you can. Use Wiser Retire technology to learn the different ways to create an asset conversion plan.
What Is A Tax Efficient Income?
Taxes may be one of the biggest expenses you pay over your lifetime.
Most financial institutions, advisors and even the do-it-yourself investor pays less attention to the net tax effect than they should. If you have a 8% target rate of return you could net between 6.8% with an efficient distribution plan vs. as low as 4.8%. That is 2% more in net return without taking more risk.
Create A Tax Efficient Lifetime Income
You have saved your entire life to create your nest egg. Now you can learn how to create a tax efficient lifetime income. It's not always about how much you make, but about how much you keep.
Who Should Have An Efficient Distribution Plan