Tax-Free Retirement Income, High Yield CD Alternatives and other Safe Income Strategies

Retirement-Toolbox.com

Find us on Google+

800-955-7898

Bruce E. Cox CPA

BruceECoxCPA.com

Learn the Easy Way to Retire Wealthy with a Tax-Free Income You Won't Outlive

Tax-Free IL eBook published on Amazon.com

Tax-Free IULs: The Perfect Retirement Solution
and Pathway to Financial Security
With a Tax-Free Income You
Won't Outlive!

Tax-Free IUL eBook Free Download

Free ebook tax-free IULs

Get Rid of Stock Market Losses Once and For All

 

Do You Hate Paying Taxes and Losing Money In the Stock Market?

 

Everything You Need to Know About Tax-Free IULs in 5 Minutes or Less

 

Tax-Free IUL vs. 401(k)...a 15 year look back of the S&P 500.

What The Tax-Free IUL can do for you! David’s Story

What The Tax-Free IUL can do for you! Jack and Carol's Story

What The Tax-Free IUL can do for you! Robert's Story

What The Tax-Free IUL can do for you! John's Story

Will You Have Enough Money in Retirement?

What Does Tripling Your After-Tax Income Mean to Your Retirement?

What The Tax-Free IUL can do for you! Sara's Story

Are You Worried You Won't Have Enough Money to Enjoy Your Retirement?

Are You Worried Stock Market Losses and Taxes Could Crush Your Retirement Accounts?

The Tax-Free IUL can be Used as a Tax-Free Emergency Fund

Still Funding a 401(k), 403(b) or IRA? 

Retirement Plans are heavily taxed.

Did you know the IRS can take 40% or more of each IRA, 401(k) and 403(b) withdrawal?

Withdraw $50,000 and the IRS can take $20,000. 

Did you know if you leave $500,000 in your retirement plan to your spouse and children,

the IRS could take $200,000?


With the Government taking so much … your money might not last long enough.

There is a better strategy.  It is safe and it works.  I can show you a little-known IRS approved strategy ... you can use right

now to insulate your retirement from the looming tax traps that lie ahead.


This IRS approved Tax-Free Retirement Plan is better than an IRA, 401(k) or 403(b) retirement plan.

Tax-Free Retirement Income with No Stock Market Losses

Call 800-955-7898 to get started!

Retirement Strategies that Keep

your money

safe and secure.

Tax-Free Wealth Building ... The Best Kept Secret to Financial Independence and Retirement Security

 

Tax-Free Retirement Plans

 

How to Jump-Start a Tax-Free Retirement Plan

Retirement Plan Tax Traps - Robbing you in plain sight and you probably don’t know it.

 

Wake up!  Did you know that every time you withdraw

$1,000 from a traditional IRA, 401(k) or 403(b) retirement plan

The Government grabs about $400?  Leaving you with only $600 after federal and state income taxes.

 

That’s right, 40% of every withdrawal goes to the government.  It could be more, could be less.

 

You can stop this nonsense with a tax-free retirement plan.

 

  • Properly structured you can withdraw money tax-free.
  • No income taxes, no early withdrawal penalties. 
  • Access to your money when you need it.  Plus enjoy:
  • Tax-free growth
  • Reasonable rates of return.
  • No downside risk from market losses*
  • No required minimum distributions, so if you don’t need the income your money will continue to grow tax-free.
  • Tax-free death benefit that completes your Retirement

Plan in the event of an untimely death, protecting and

providing for your loved ones.

______________________________________________________

 

 “There are two systems of taxation in our country: one for the informed and one for the uninformed.”  The often quoted Honorable Learned Hand U.S. Appeals Court Justice

___________________________________________________________

Act now.  Benefit from a million dollar idea from the Retirement-Toolbox.

 

 

You’ll need a retirement check to replace a pay check when you

retire and these checks might have to last you 25 to 30 years.

You cannot count on an inheritance or winning the lottery.  You prepare for the future.  So you are saving money on a systematic basis, regularly contributing to an IRA or 401(k) and falling into the tax trap.

But they said it would save me taxes.  They are wrong.  It only defers taxes. The tax bite on withdrawals is much harsher.

          Example, you save $500/month, $6,000/year for 30 years.

          Total contributions $180,000.

          Tax savings (deferral) $45,000 (25% tax bracket) 

          Tax savings (deferral) $60,000 (33% tax bracket)

          That is $1,500 to $2,000 per year in tax deferrals.

          __________________________________________________

          30 years later account value $600,000 (6.89% average return)

          30 years later account value $800,000 (8.31% average return)

          __________________________________________________

          Taxes due on withdrawals   $240,000 to $320,000.

          Governments take 40%.

But won’t I be in a lower tax bracket?

You will probably lose your biggest tax deduction, mortgage interest.  Most people have the goal of paying off their home mortgage.  Children are grown, so dependent deductions are gone too.

If Barack Obama is reelected, do you think your tax rates will go up?

_____________________________________________________

So, are you better off paying taxes on the seed or on the harvest?

Fund the $180,000 with after tax dollars and owe no taxes on the growth or use pre-tax dollars and owe lots of taxes on the growth.

Defer $1,500 to $2,000 a year in taxes but owe $240,000 to $320,000 on the withdrawals.

Or skip the annual deferral and owe no taxes on the withdrawals.

Shouldn’t you be informed and save the right way, with a tax-free retirement plan?  Don’t fall into the tax trap and lose 40% or more of your retirement check to taxes.  The wrong choices get the wrong results.

Unleash the power of tax-free growth and the magic of compounding.  It is your money.  Keep the full $1,000.  Switch to a Tax-Free Retirement Plan. It's a no Brainer. Call 800-955-7898 for more information. 

This is a million dollar idea! It could add millions to your family's life time income.

Bruce E Cox CPA

Retirement-Toolbox LLC

240 Regina Street

Philadelphia PA 19116

267-731-6706

800-955-7898

 

BruceECoxCPA@gmail.com

 

P.S.  If you don’t mind forking over 40% of your retirement savings to pay for more reckless government spending, then keep doing what you have been doing.

 

Politicians count on uninformed taxpayers to pay for their bridges to nowhere, their earmarks, failed stimulus, Solyndra and taxpayer bailouts.

 

Be smart.  Let the uninformed pay.  You don’t have a Patriotic duty to pay more taxes than the law requires.

        “Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury. There is not even a patriotic duty to increase one’s taxes. Over and over again the Courts have said that there is nothing sinister in so arranging affairs as to keep taxes as low as possible. Everyone does it, rich and poor alike and all do right, for nobody owes any public duty to pay more than the law demands: Taxes are enforced exactions, not voluntary contributions. To demand more in the name of morals is mere cant.”

–Honorable Learned Hand, U.S. Appeals Court Judge, Helvering v. Gregory, 69 F.2d 809 (1934)

*       During the Financial Market Melt Down of 2008 the Nasdaq and S&P 500 were down 40%.  Many people saw their IRAs, 401(k)s stocks and mutual funds cut in half, putting them in a position of needing to double their remaining funds just to get even.  At 6% that will take 12 years.

 

Imagine saving and sacrificing for 20 to 30 years only to have your savings cut in half when you need to tap the funds.

 

None of our clients investing in the tax-free retirement plan lost money due to market volatility.  Their money was safe and secure. Their income was steady and reliable.

 

They eliminated market losses and shared in market upsides earning reasonable rates of return.

 

Tax-Free-Retirement-Plans

Safe Income Options

US Debt Clock

Tax-Free-Income Blog
Retirement-Toolbox Google+
Retirement-Toolbox Facebook
 

Subscribe to the Safe Income Strategies Offering List

Receive current Safe Income Strategy offerings. Only limited offerings are posted to the blog.

 

 

Retirement Plan Tax Traps

Safe Income Strategy #1

Safe Income Strategy #2

Safe Income Strategy #3

 

Dependable-Income Blog

Charitable Pledge Blog

Safe_Income Strategies Blog

“Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury. There is not even a patriotic duty to increase one’s taxes. Over and over again the Courts have said that there is nothing sinister in so arranging affairs as to keep taxes as low as possible. Everyone does it, rich and poor alike and all do right, for nobody owes any public duty to pay more than the law demands: Taxes are enforced exactions, not voluntary contributions. To demand more in the name of morals is mere cant.”

–Honorable Learned Hand, U.S. Appeals Court Judge, Helvering v. Gregory, 69 F.2d 809 (1934)

 

 

Recent Articles:

Discount Designer Annuities

Safe-Income-World

Safe-Income-Strategies

high yield alternatives to Bank CDs

Sarah's Story

 

 

 

 

----------------------------------------------------------------------------------

Profit from my 35+ years experience working with high net worth individuals, families, entrepreneurs and businesses, helping them create wealth, keep their wealth and pass it on to the next generation. You can benefit too.

A CPA, I have been a stockbroker with Series 7, 24 & 27 licenses, an insurance producer, the Chief Financial Officer of a private equity group (Venture Capital) that raised private equity funds and then took a company public, a mortgage broker and owner of a mortgage company. Safe Income Strategies work, and you don't have to be super rich for them to work for you.

-----------------------------------------------------------------
Licensed: NJ Department of Banking and Insurance, PA Departments of Banking and Insurance, NY Department of Banking, State of New York Insurance Department, Texas Department of Insurance, Maryland Insurance Administration, Florida Department of Financial Services, Ohio Department of Insurance, South Carolina Department of Insurance, Louisiana Office of Financial Institutions

   
  

Will Looming Tax Traps Gut Your Retirement Savings?

Sitemap

Find us on Facebook

Privacy Statement

Bruce E. Cox CPA • 240 Regina Street• Philadelphia PA 19116
Copyright © 2014- 2012 Bruce E. Cox, CPA. All rights reserved