Episode Transcript
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(00:00):
All these years you've saved up planningfor a secure retirement, but if you're
not careful, it will be theirs that's living it up when you retire
by taxing your hard earn money.Welcome to the Maggie Tax and Financial Hour
with Robert and Chris Maggie of MaggieTax Advisory and Financial Group. With over
thirty years of combined experience in taxsavings, income planning, and investment opportunities,
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Robert and Chris share advice and taxplanning strategies designed to protect your retirement
nest egg from Uncle Sam. Yourquestions and comments are welcome during today's program
by calling eight one three three twotwo twenty five twenty. That's eight one
three three two two twenty five twenty, or visit Maggie Tax dot Com.
That's Maggi tax dot com and nowyour host for the Maggie Tax Financial Hour
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on nine seventy WFLA. Robert andChris Maggie. Welcome everyone, and thanks
for joining us today. My nameis Bobby Maggie and I'm here with my
son and co host Chris Maggie.You are listening to the Maggie Tax and
Financial Show. Be sure to visitour website, Maggie Tax dot com.
And on the top right there's theretirement calculator. Click on it, put
in the information and in thirty secondswe'll tell you what your retirement bill is
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going to be. We have receivedmany, many requests, and I'm telling
you now this will help you understand. You know what your tax bill is
going to be. Don't forget.Every Sunday at ten thirty am on ABC
TV, watch our show, TheMaggie Tax and Financial Show. So we
want to be clear what we doevery day. A lot of people like
are looking toward financial advisors. Chris, and you know we've done this.
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I've done this for thirty two years. You've been with me since you've been
in high school. And it's importantto know because it's about education. That's
what Chris and I always try todo. And I talk about language.
It's interesting because maybe you don't understandthe retirement language, or the investment language,
or the tax language. That's whatwe do, Chris, That's what
we do every single day. AndI just want to make that point because
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give us a call eight three threeMaggie Tax, and be sure to visit
our website. Maggie tax dot Com. So welcome everyone. I'm Chris Maggie,
and thank you so much for tuningin. As my dad mentioned,
yes, so we educate a lotof people. Why because we feel that
you should be empowered, you shouldhave confidence, and this is what we
do each and every day. Youknow, when's the last class you had
on how to put away money forretirement, or to have an income plan
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during retirement, or even what abouta tax plan on how to reduce your
taxes? You don't. Let's justmake it simple. They don't teach it.
Well, that's the problem. Sopick up the phone, schedule time
to meet with us. Come meetwith us, Let's have a conversation because
we can help you in a lotof different ways. We are holistic planners.
What does that mean. We havethree divisions. We have our tax
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division, we have our insurance division, we have our investment division. We
also have attorneys that work with usdo the estate planning. So on our
tax side, what do we do? You know? We help people ways
to find ways to reduce their taxes. We take a tax approach and everything
we do to help people with taxadvantage strategies. And not every advisor does
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this. This is very important.Most CPAs don't do tax planning. They
just do tax preparation. Most advisorsout there say they do tax planning,
but they don't. It's very simple, but we do. So when you
meet with us, we're going toput together a tax plan. So visit
our website at maggytax dot com andlet's schedule a time to meet with us.
And we have our insurance division alsoour investment division, which we'll get
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into a little more later today,but that's what we do. So schedule
time to meet with us. Welook forward to meeting you. And one
thing that's very important to what Chrissaid. There are transactional advisors out there
that just want to sell you theproduct of the day or the stock or
the mutual fund. That's not whatit's about. That's not what it's about.
When you do planning, we talkabout complete plan. We had a
gentleman in the other day and hehad come in because he needed help with
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his IRA. He didn't understand therequirementium distribution, so we explained the language
to him. And when you talkabout a complete plan, we're talking about
what Chris mentioned before, tax plan, income plan, investment plan, legacy
plan How many of you don't havea will or a power of attorney.
How many of you don't even haveyour beneficiary set up correctly? Think about
that and Chris and I we meetwith everybody, you know, these people
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every day and they sit back andthey go, I never thought about it
that way. So when we talkabout a holistic approach and you go to
Maggie tax dot com, you're goingto see a lightbulb and around that lightbulb
is everything we're talking about. Andthat's just sits. So if you have
questions on income planning or investments,or your Form one K, or tax
planning or legacy planning, then pickup the phone, schedule time to meet
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with us. What about soil securityplanning? How to maximize the soil security
benefit? You know, when doyou take soil security? Is it sixty
two? Is it sixty six?Is a sixty four? Is it seventy?
When should you take it? Whatif you're married, there's what they
call spousal benefits. Learn what thoseoptions are. We can show you.
Maybe you can take a spousal benefitand keep letting your account grow. How
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does that work? Well, let'sshow you. So pick up the phone,
schedule time to meet with us eightthree three, Maggie Tax and don't
forget. Tune in every Sunday toour TV show on ABC at ten thirty,
and then right after the show ateleven o'clock, tune into the radio
on nine seventy WFLA. We'll giveyou more information on the Maggie Tax and
Financial Show. The point I'm tryingto make because I've been doing this for
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a long time, I've seen manypeople come visit with Chris and I.
I've seen people of all ages,so have I. Chris has the same
thing, and the biggest thing isretirement planning, and they don't understand,
you know what they have. AndI think that's important Chris, because we
talk about it. We do abalance sheet, and a balance sheet is
so important because we find out whereyour assets are, what's your home is
worth. You know what's your nonqualified accounts are, what your qualified accounts
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are. You know what your budgetis, and that's another big question.
We did a TV show a coupleof weeks ago and we did a segment
on budget planning. I can't tellyou how many calls I received about g
Can you help us put a budgettogether and Chris in line with that,
and you can talk about this.But when you do budget planning, it
now becomes income planning. That's exactlyright, you know, and many people
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don't understand how much income they need. So where those income sources is going
to come from? And that's whywe call it an income plan. You
need to have a plan. Whatabout your investments? You know, many
people have different piles of money ordifferent accounts. Think about the statements you
get. You have a formal casestatement here, you get a statement at
the end of the month from there, and then you get another one from
here, and then you get allthese statements in the mail and then guess
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what what are they actually doing?What kind of purpose do you have with
each and every one of those accounts? Is it for income? Is it
for growth? Is it for dividends? Is it for ways to reduce your
taxes? What is it? Sowhen you come in to meet with us,
we're gonna talk about bucket planning.We're gonna put together a plan for
you. You know, We're gonnahave a purpose with every account that you
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have. And that's what we callthe Maggie Plan, and very simply,
the Maggie plan is a plan foryou. It's a plan that's simple and
easy for you to understand. It'syour plan. It consists of income planning,
tax planning, investment planning, solsecurity maximization planning. That's what we
do in a state planning. Sopick up the phone, schedule time to
meet with us. We really lookforward to meeting with you. Eight three
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three Maggie Tax. You know,things are getting serious right now. People
are concerned about income, about taxes. You know, what am I going
to do if I retire? Andthe big question can I retire? And
that's what we get every day thatyou know when we meet with people.
So we offer strategies and concepts.And again, if you're meeting with an
advisor and they're only selling you aproduct, what is that doing for you?
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For income and legacy planning? Andagain I can't make this point you
know enough, but if you don'thave any estate planning done, now is
the time to come in and let'stalk about that. Also, go to
my website Maggie Tax dot com.On the top right, you're going to
see the retirement calculator. Click onit. It's real simple. In thirty
seconds, we can tell you whatyour retirement tax bill is going to be,
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no matter how much you have inretirement. One more thing, Chris,
you mentioned before, I want tobring up four oh one ks.
We have met with a lot ofpeople that have many or old four oh
one ks and they're still sitting therewith the company and they don't know what
to do with They might be ontofifty nine and a half because if they
are all you know what happens here, you can explain that, but they
don't know what to do with thefour oh one k. Chris, Well,
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let's just said. I remember aclient last week and he actually had
a true story. Brought in hisresume and he brought in his resume and
he brought in all these papers andhe said, I think I have old
accounts at different places of employment,but I'm not really sure. So luckily
had his resume there. He wasn'tlooking for a job, but he was
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looking. He wanted to show mewhere he worked because if there was a
retirement plan there that he had,he want to make sure that he can
roll it over and consolidate. Andthis is a guy who had eight different
companies, so he had a planhere and a plan there. And again
some of those companies to get themoney out you had to do their own
paperwork. He had to complete theirown paperwork, so he didn't know that
either. Some we could do overthe phone. Someone had to do a
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transfer form. So these are thingsthat we know that we have to help
you with to keep you out oftrouble. And that's what it's about,
the consale. Put together a bucketplan, have a purpose with your accounts,
and that's what we could do tohelp you. So pick up the
phone, schedule time to meet withus. Eight three three, Maggie Tax.
Visit our website. There's so muchinformation right there. As my dad
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mentioned the retirement tax bill. Ifyou have an IRA four O one K,
you have accounts that are infected withtaxes. What are you doing about
that to diffuse the big tax bombthat's going to happen when tax rates increase.
Pick up the phone eight three three, Maggie Tax. We can show
you how, and we call thatstrategic planning. And if your advisor is
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not talking to you about that,shame on them. So come in.
We'll do a second opinion. That'sno cost, no obligation, but I
will tell you this. Once wedo a second opinion, you might learn
something that's going to be like thataha moment. And that's where we're different
and we're a complete advisor. We'rea complete advisor because we do tax planning,
we do income planning, we doinvestment planning, we do Medicare,
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we do social Security, we doa state planning. Ask yourself this question,
or ask your advisor how many ofthose things do they do? And
if they don't do it, thenit's time to come visit with Maggie Tax.
Eight three three Maggie Tax. Andlet me ask you all the simple
question, do you have a completeplan? Ask yourself that question, do
you have an incomplete plan? Andthat should confuse you or should make you
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angry, because if you don't pickup the phone eight three three Maggie Tax,
show to visit our website Maaggie taxdot com, click on the retirement
calculator on the top right, putin the information and in thirty seconds it'll
tell you what your retirement tax billwill be. I'll receive an email.
I'll even reach out to you tocome in and make an appointment, no
cost, no obligation. But it'stime that you understand what your tax bill
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is. Eight three three Maggie Tax. Don't forget. We have an office
in St. Pete Palm Harborn alsoLoots, so it's easy to access any
office you have. We have operateda standing by right now. Eight three
three Maggie Tax. Eight three threeMaggie Tax. And you're listening to the
Maggie Tax and Financial Show. Don'tforget. Every Sunday, tune into the
Maggie Tax and Financial Show at tenthirty on the ABC TV. Stop planning
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for Sam's retirement and start planning foryour retirement. As we return to the
Maggie Tax and Financial Hour with yourhost, father and son, Robert and
Chris Maggie. For additional information onhow you can create a tax free retirement,
visit Maggie Tax dot com. That'sm a Ggi tax dot com or
(11:20):
call eight one three three two twotwenty five twenty. That's eight one three
three two two twenty five twenty nowyour host for the Maggie Tax and Financial
Hour, Father and son from MaggieTax Advisory and Financial Group, Robert and
Chris Maggie. Welcome back everyone,and thanks for joining us today. My
name is Robert Maggie. I'm herewith my son Chris Maggie. So we've
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been talking about a lot today.If you have any questions, just give
us a call. Eight three threeMaggie Tax. But I want to talk
about a client that we have tokind of give you an example of how
you can reduce your taxes with anIRA. So it may apply to some
of you, but to point asany numbers that you have, we can
put in there. But so wehave a client eight has one point five
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million in his IRA and he wantsto convert to a tax free account.
Now we can do it strategically overtime, or we can rip off the
band aid and pay the tax todayand get rid of IRUs. And sometimes
that's what people want to do,but there is a cost of tax deferral,
and the people in Washington are goingto take a big bite of your
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IRA. So visit Maggie tax dotcom, click on the retirement, calculate
it, and we can show youin thirty seconds how to reduce your tax
bill thirty seconds. That's not alot of time, but it would help
you because if you believe taxes willbe lower or stay the same or higher,
IRS will get their share no matterwhat happens. So give us a
call eight three three, Maggie.Tax So what are we talking about here.
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We're talking about the gorilla in theroom. And it's called legislature risk.
Congress can change the rules any timebecause they are written in pencil,
and we say this every week.So, Chris, if taxes are going
to be higher, what are youdoing about it? And just remember the
federal debt is now larger than theUS economy. That's that means we have
to pay taxes, Chris. Thatmeans all of us have to pay taxes,
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and it's going to come retirement savings. That's when you're going to get
it from We'll just pitture this fromit. You know, lay back,
think about this, and if youdrive in, don't lay back, but
go ahead and think about this whenyou go home, because now it's a
time to really understand. You know, you're putting money in or you haven't
putting money in for years, taxedfor investments. And what happens is Uncle
Sam at seventy two years old hasthe coming knock in and that's when you
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have to start taking a distribution calledthe required minimum distribution. Seventy two is
the age. So think about this. The grill in the room is the
legislative risk because they can change it. So if you're five hundred thousand dollars
IRA or million dollars IRA, itjust keeps growing, or two hundred and
fifty thousand dollars IRA just keeps accumulatingtax deferred, which means you don't pay
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tax on it now until later.Guess what when the legislation changes and the
risk associated with that changes, becausenow it's on you. Now you're in
retirement. Now you have to justbite the bullet and pay the tax.
Do you really want to go downthat route? So what I mean by
close your eyes and think about this, what if you're in position and you're
retired and you're cruising along and guesswhat legislative risk happens and it changes because
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more income is going to go toUncle Sam than you. You're going to
be stuck with less income and payingmore taxes. That's what I want you
to visualize. When that happens,what are you going to do about it?
So why not take the time nowto put processes and procedures in place
to go ahead and put yourself inposition and take advantage of these opportunities as
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opposed to falling victim to them athree three Maggie tax. You hit it
on the head. That's called planningbecause a lot of people don't want to
sit down and do this type ofplanning. And right now, think about
this. Congress is debating trillions,trillions of dollars in tax and spending bills.
That's the gorilla in the room.So just remember, the more spending
the government does, the more taxeswe will pay. It's that's simple.
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So let's address another gorilla in theroom. The current administration said nobody making
under four hundred thousand dollars would nothave their taxes raised. Period. That's
what he said. How many believethat? So let's discuss three ways taxes
can rise for all of us.Number One, tax brackets can change.
If it does and they lower thetax bracket, which they're thinking, then
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you will pay more taxes, Chris, And that's the problem that a lot
of people don't see what's going tohappen. Number Two, deductions. We
talk about this. The standard deductionis what we have now. But if
they need more tax revenue, theycould lower the tax deductions and guess what
that means, what, Chris,more taxes? So can these things happen
or will happen very very easily.They can happen, And that's legislative risk,
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and it definitely can happen with achoke of a pencil. Yeah,
exactly. So number three and thisis the girl in the room that I'm
talking about and Chris is talking about. They can start new taxes. And
remember the next two years taxes areartificially low. So when the Trump tax
cuts expire, we're going to allpay more in taxes. So what strategies
and tax plan do you have?Do you have any plan at all?
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And if you have no plan,then meet with us and we can design
a tax plan and think about thestealth taxes. Remember social Security can be
taxed as high as what eighty fivepercent? And Chris, every time we
see a tax between people are shocked. But that depends on what you make.
Did you ever think they could taxone of your social security? Of
course they could, And that's whatwe call legislature risk. They're talking about
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all of this, Chris, andit's coming. It's the bite of the
apple that they keep talking about.They can change the rules anytime they want
why because it's simple. It's writtenin what all of you should say at
pencil. So visit Maggie tax dotCom, click on the retirement calculator and
in thirty seconds we can show youyour tax bill in retirement Maggie tax dot
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Com. It's real simple. It'sup to you. Let's think about that.
What he just said. You know, if they change the tax rates,
those stealth taxes, stealth taxes areare deadly because it affects everybody.
It affects the lower class, themiddle class, the high class, and
that's where it's just gonna affect everybody. So think about you. Think about
your position. We're in a yoyo economy. You're on your own,
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which means that the government is notgoing to help you. Don't don't figure
out that and don't have a planthat they're going to bail you out.
You need to make sure that you'reon your own. You worked hard,
you put money away, you're doingeverything right. But then again, what
are you doing when the tax menincreases the levels and the tax rates.
It's gonna it's gonna be a burdenon you because you're gonna pay more in
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tax and less income to you,So think about this. Now's the time
the plan. Now is a timeto meet with us. Now is the
time to pick up the phone.Schedule time. Let's go ahead and put
together a plan. We call itthe Maggie Plan. It's a tax plan,
it's an income plan, it's aninvestment plan, it's sol security maximization
planning. It's planning that you neednow to take advantage of what's about to
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happen at some point. We don'tknow when it's going to happen, but
we do know it's going to Sothink about this. When the trunk tax
cuts expire in twenty twenty five,what's going to happen. They have to
change the tax rates. They revertback at least three percent higher. But
what if they change it along theway. What about the stealth taxes that
my dad mentioned. What about thosetaxes that they're going to change with legislative
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risk where they can start adding newtaxes, they're gonna affect you. The
problem is when you're in retirement andyou can't go back to work or generate
more of an income stream, youhave to rely on your investments. You
have to rely on what you've saved. You have to rely on living within
a certain budget. Is that whatyou want? You don't have to if
you put together a plan. Wehave clients that a play checks. They
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have paychecks, but yeah, Isaid it play checks. What's a play
check? The play check is additionalmoney that comes in every month for the
rest of their life, guaranteed forlife, that you can spend the heck
out of and not worry about it. So you want to combat inflation,
we can show you eight three threeMaggie Tax. That's eight three three Maggie
Tax. Stop planning for Uncle Sam'sretirement and start planning for your retirement.
(19:06):
As we return to the Maggie Taxand Financial Hour with your host, father
and son, Robert and Chris Maggie. For additional information on how you can
create a tax free retirement, visitMaggie Tax dot com. That's Maggi tax
dot com or call eight one threethree two two twenty five twenty. That's
eight one three three two two twentyfive twenty Now your host for the Maggie
(19:33):
Tax and Financial Hour, Father andson from Maggie Tax Advisory and Financial Group,
Robert and Chris Maggie. Welcome backand thanks for joining us. Today
you're listening to the Maggie Tax andFinancial Show. Don't forget Every Sunday Tomorrow
at ten thirty am on ABC TV, tune into the Maggie Tax and Financial
Show. And again, most importantly, visit our website, Maggie tax dot
com. Why because on the topright we have the retirement calculator, So
(19:57):
if you're concerned about your taxes inretirement, click on that button. In
thirty seconds, we can tell youwhat your retirement tax bill is going to
be, and then you could startdoing some tax planning. Number two,
we have upcoming seminars every month ontaxes, soul security, on everything that
we do here. So go tothe website up on the top, it
says upcoming seminars. Click on it. You'll see the dates and the locations
(20:18):
and if you have time, registeringand come on out. And the other
thing. Many of you are listeningto our show and have questions. We
have a chat box. Click onthe chat box and ask the question and
we can help you out. Now, Chris mentioned something before, I just
want to touch on it because wheneveryone comes into our office, we ask
them why are you here? Okay, and they tell us because maybe your
taxes or we're not sure about ouradvisor. But Chris, you mentioned one
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thing before you asked the gentleman,is safety important to you? Just elaborate
on that question with this client,because it took you in a total different
direction, and even took him ina direction. That's exactly right. You
know, the client him in lastweek and he's got over two million bucks
and the number is not important tous. But the fact the matter is
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is when we asked him that question, it does make sense because we asked
him, as safety of your moneyimportant to you? And guess what he
said? He said absolutely. Atthis age it is so he had all
his papers all over my desk andI'm looking at them, and he had
a variable annuity here, a mutualfund here, a four one k here,
he had a stock portfolio there.And I looked at everything, and
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I said it again, as safetyof your money important to you? And
he said absolutely. And I said, well, you're all you're in risk.
All your money is in risk,and he said, I know,
but I don't know how or whatto do with it. He said,
I've just been trained for years toput money away, and I just did
what everyone else was doing, andI put the money in a four one
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K and I got an advisor whojust deals with stocks and I and I
put money with this insurance guy andhe deals with variable annuities and that's that's
what I did. So it wasmore like a he just told us a
story. It was great, buthe said, that's why I'm here.
I want a plan. I wantto create something because I know I can't
keep doing what I'm doing if ifthe market goes down and the volatilities the
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way it is, I will nothave what I have on this desktop.
Stop you gotta stop here. Myheart is bubbling right here. The thing
that what Chris just said, andthis is for many of you, and
you'll understand, you aren't going bythe old rules of retirement. They're old,
they don't work. So we wantto teach you the new rules of
retirement. We have a book thatwe wrote, New Rules of Retirement.
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I can send it to all ofyou in an email if you want.
I'll be glad to let you readit. Because as Chris and I go
through the show and through the TVshow, we talk about bucket planning,
and most of the people that wetalked to when Christell agree. They don't
know what bucket planning is. It'sa pile of money. It's putting your
money in variables, it's putting yourmoney in mutual funds, in stocks.
Where's the plan, where's the incomeplan, where's the tax plan, Where's
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the investment plan? And like Chrissaid, it's an old advisor who just
gives you the same thing. Becausewe're taught to stay in the same line
with everybody. Chris mentions about beingwith the herd. You don't have to.
You can get off the exit andgo in a different direction. And
folks, I don't know. I'mpassionate about that. So was my son.
Because we see this every day.I've been doing this for a long
time, been in this business thirtyyears, and I'm sick and tired of
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seeing people sold something that they don'tunderstand. And Chris, that's the language
again. And you know, Iget upset because I'm older than you,
but I see this every day.You've been doing this for over twenty years
with me. You see it everyday, and you're a young guy.
It's got to bother you. Forthe young people as well as the older
people. Am I right or wrong? Now? That's just it. I
mean, you don't know what youdon't know. And all due respect,
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a lot of people listening today areolder than I am. But you know,
the education is so important that wecan deliver it to you so you
can make a sound decision. Soyou now can know about what you have.
You can know it and you canfeel confident and that's what builds clarity
and confidence moving forward in retirement,and that's why you can be happy during
retirement. You don't have to worryabout these ups and downs and the volatilities.
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So you know, where is itprinted that you have to lose twenty
thirty forty percent in the market.Where is it written that that's what you
have to do? And the truthis it's not written anywhere. You don't
have to be there if you don'twant to. You know, let's discuss
what this means, because there arepoor choices out there. Many of you
contribute to form one case or iraswithout determining if you're receiving a worthwhile upfront
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tax deduction. You know a lotof people talk about by term and invest
the difference, but when you dothat, do you really understand what they're
saying? Do you understand what thatmeans. You know, many people out
there are on the radio, manypeople out there are on TV. But
guess what are they really delivering theright message? Are they just selling a
product you hear on TV all thetime, buy gold in your IRA,
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by gold in your IRA? Isthat what you need to do? That's
a transactional advisor, Chris, it'snot a plan. That's not a plan.
You know. And again the languagethat we talk about and trying to
teach you everyone on the radio,showing TV for years. We know this
because we see this every day.And here's another one. Use tax deferral
to reduce income taxes. Now youknow life insurance is allowsy investment. And
all of these are ridiculously inaccurate statementsbecause what Chris mentioned before, you have
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a transactional advisor that's going to sellyou a stock bond and mutual fund doesn't
talk about anything else. You havean insurance guy that's just going to sell
you one product, doesn't talk aboutanything else. And then you have a
fiduciary like Maggie Investments who are talkingabout income planning, tax planning, investment
planning, and how it pertains toyou to your situation because the government tells
you thousands and thousands of times thatthey are true, and you begin to
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believe them. You know, taxdeferral, Well, you all know that
in two years the tax cuts aregoing to expire and it's going to go
up at least three percent. Onmy website, I have a spot there
for retirement calculator. Now they're extendingthe RMD. Chris was seventy two.
Excuse me, it was seventy anda half, and then they bumped at
the seventy two and a lot ofpeople didn't know that, and now you've
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just found out that they're going tobump at the seventy three. So here's
what they're doing. If you understandwhat we're trying to talk about the language,
they're pushing it out so you don'thave to take the require minimum distribution
and get a higher tax. Whatthey're telling you is do some planning,
do some planning, and get thatmoney out now at a low tax bracket,
which we can explain to you froma tax standpoint, and then later
(26:15):
on have what Chris tax free moneythat's just said. Over the past year,
we've had more clients have ever hadbefore want to talk about or entertain
roth conversions and very adamant about doingit. You know, we have clients
that come in just want to ripoff the band aid and just convert money
from iras which is infected with taxes, to tax free money. They want
(26:36):
to know how to go about doingthat. So I want to do it
strategically. That's why we put togethera plan. So when we look at
this whole thing, it's about you. It's about your plan. What's your
plan, Not your neighbors, notyour brothers or your sisters down the street,
It's your plan. Every situation alittle different. Are you looking for
income, Well, we can giveyou income in a most tax efficient way.
We can have a guaranteed pension plan, your family guaranteed pension plan.
(27:00):
You don't have to work for acompany for twenty years and retire with them.
You don't have to. You couldtake what you have and design your
own family pension. What about theinvestments? What about managed portfolios? Do
you have a purpose with your accounts? Do you have a buffer strategy to
protect you On the downside? Whatare you invested in? Do you know?
Do you really know? That's whatwe're discussing here. So when you
(27:22):
come to meet with us, we'regonna teach you. We're going to educate.
You're going to first show you whatyou have, and if you've got
something good, great, we'll keepit. But if you don't, maybe
you want some options. And that'swhere we're going with this. Because the
client who came in safety of hismoney is important to him. But guess
what, he's one hundred percent inrisk. He doesn't want to be there,
but also he just doesn't know howto get to the other side,
(27:44):
and we can show him. Soif you're listening, let me talk about
some of the things that we doto kind of help you out here.
The question we ask is how canwe help you? You know, what
keeps you up at night? What'sthat big you know gorilla in the room?
What are you doing about it?Is the question. The first thing
you should do is give us acall eight three three, Maggie Tax.
Let's discuss the Maggie plan. Let'sdiscuss the complete plan. So where do
(28:04):
we go from here? It's easy, pick up the phone eight three three,
Maggie Tax. And here's another thing. Chris talked about it before.
Has anyone ever done a beneficiary review? For you. We get people coming
in and say their parents just passedaway and guess what they did no planning.
Now it's time for them to dothe planning. Do you have what
we call a complete plan or anincomplete plan? And Chris, I have
(28:25):
to tell you. When I tellpeople this, they get offended by what
do you mean? I have anincomplete plan? And I'm not trying to
be funny yet, but you do. You don't have an income plan,
you don't have a tax plan,you don't have an investment plan where like
Chris just just talked about how muchmoney do you want to lose? It's
not written where you have to losetwenty thirty, forty percent nowhere. I
have books all over my office.I read a lot. I don't see
(28:45):
that anywhere. Christy, you it'sfunny. It's just not working that way.
But you don't have to do that. And they remember, we live
in a YOEO economy and that meansyou're on your own. Just because the
majority of you follow the herd,it does not mean that you have to.
We all know that. We tellour kids, right, you don't
have to follow Johnny down the street. Right. We have to do that,
(29:06):
but we do, but you don'thave to, especially in retirement,
because this is your money. Andthat's why many people say, well,
get to a million bucks then youcan retire. Well, I have clients
that don't have a million bucks.That's fine. They have two hundred thousand
dollars and they're retired and they enjoyingthe buckets of money that are generating the
income because that's what they want.So again, where are you? What
(29:29):
do you want to do? Doyou want to maximize income? Do you
want to maximize your state income taxfree? Do you want to advanced tax
planning strategy to reduce your taxes?Well we can help. What about creating
a tax deduction so you can takemore out of your IRA and convert it
to a roth IRA and pay lesstax. Would you just say, well,
that's what I'm talking about. Thoseare advanced tax planning strategies that you're
(29:52):
CPA, you're broker, you're advisor. They're not even talking to you about
this. There are strategies out therethat you can take advantage of to accomplish
what you're looking for. It's verysimple. Think up the phone, schedule
time to meet with us eight threethree Maggie Tax. So visit Maggie tax
dot com. We gave you somereasons why. Click on the retirement calculator
(30:14):
up top. I don't think anyone'sdoing this and anyone talking about it right
now retirement calculator and in thirty secondswe can tell you what your retirement tax
bill is going to be. Lookfor this upcoming seminars we do it on
taxes and so security. Look forthe location near you register and come out
and see us for an hour andhour and a half. And then don't
forget. We have the chatbox onour site, Maggie Tax dot com.
Put a question in, We're gonnarespond, We're going to answer, and
(30:37):
then we can set up a timeto meet with us. Eight three three
Maggie Tax. And be sure towatch our TV show every Sunday at ten
thirty am on ABC TV and learnabout all the information we're talking about.
Folks. It's the language. Ifyou don't understand it, we can help.
And remember we have offices on bothsides of the Bay. We have
one in Tampa, Palm Harbor andCP So pick up the phone eight three
(30:59):
three Maggie Tax. Sure to visitour website Maggie Tax dot Com eight three
three Maggie Tax. Stop planning forUncle Sam's retirement and start planning for your
retirement. As we return to theMaggie Tax and Financial Hour with your host,
father and son, Robert and ChrisMaggie. For additional information on how
you can create a tax free retirement, visit Maggie tax dot com. That's
(31:22):
Maggi tax dot com or call eightone three three two two twenty five twenty.
That's eight one three three two twotwenty five twenty now your host for
the Maggie Tax and Financial Hour,Father and son from Maggie Tax Advisory and
Financial Group, Robert and Chris Maggie. Welcome back and thanks for joining us
(31:44):
today. And I hope you lenka lot from today. We have a
lot to discuss with you. Pleasego to our website, Maggie Tax dot
com and register for the seminars thatare coming up on tax planning, on
SOULI security, on a state planning. Questions that you have we can answer,
give us a call eight three threeMaggie Tax. There are operated standing
by right now. It's up toyou and we call it a three and
one. We call it a threeand one. That's a good point.
(32:05):
I forgot so three and one.Yeah, tax planning, a state planning,
sol security, And there's no onethat I know that's doing three and
one. And this is an educationalevent. It's about you understanding the language.
So we talk about a lot ofthings. You know, your retirement
tax score? What is it?You know how it pertains to taxes because
you're going to be paying a lotin taxes somewhere. You're going to be
paying taxes somewhere. But how muchare you going to pay? We don't
(32:28):
know. You know, how areyour assets tax when you know? Chris.
One thing that we always get whena client comes in and shows us
their statement on the bottom, itsays consult with a tax advisor, right.
So, and the reason why wesay that is because what we see
on that form is they're taking moneyfrom a taxable account to create a tax
and they don't need to if there'san account that's already been taxed. Think
(32:49):
of it this way. If youhave your left hand that's account that's infected
with taxes, and then you havethe right hand, which is tax free.
So think of it about it.Would you want to put your hard
earned assets in your left hand whereit's weak and it doesn't have really strength
and that's where it's infective attacks.Or would you rather put your strong valuable
possessions in your right hand where it'sstrong, you know you can squeeze it.
(33:13):
You have the ability to have taxfree money. That's what we're talking
about here. So think about yourretirement accounts today when you get when you
leave for the weekend, and youthink about during things during the week and
after today's show. It's so importantthat you understand where your money is.
Do you have accounts that are infectedwith taxes that you're living in a question
mark tax environment? Who wants tolive in an environment where it's cloudy all
(33:38):
day, right and you don't knowif it's going to rain. Well,
that's the same thing. You don'tknow what it's going to rain on your
investments, and when it does,it could be really, really hard because
they change the legislative risk where there'smore taxes to pay. I'd rather be
in a sunny Florida where the clearskies and there's no rain, knowing that
you can put a smile on yourface. And that's the retirement that I
(33:59):
want. You can have that too, if your accounts are put into position
where they're safe, where you haveprotection against tax risk and also investment risk,
and you can take income for therest of your life. That's what
we're talking about today, putting togetheryour financial puzzle. Make sure it's right.
We all put together puzzles in thepast. We all know that when
you're done putting the puzzle together,it makes yourself feel really good. But
(34:22):
that one or two missing pieces reallyupsets you. So put together the retirement
puzzle for you and we can helpyou the tax side of it, the
income puzzle piece, the investment puzzlepiece, the estate planning puzzle piece,
the soul security maximization puzzle piece.Let's put it all together so you can
put a smile on your face forretirement. So schedule time to meet with
(34:42):
us. Eight three three, Maggietax that's eight three three, Maggie Tax.
I have a question for you.You've done puzzles before, and every
time, like you and your brotherdid a puzzle and we got to the
end it was a piece missing.How hard did we search for that piece
that's missing? We went absolutely positively. What nuts we looked under the table,
We looked in the box, Welooked all over, because that puzzle
(35:06):
is not complete without that final pieceexactly. And you mentioned that, what's
the final piece? Is it taxes? Is it legislative risk? Is it
so security? Is it market risk? What is it? Is it a
state planning risk? What's the missingpiece? Chris, great point, And
that's why many people out there.The tax pieces the missing piece. The
investment piece is the missing piece.The guaranteed income streams are missing it's a
(35:30):
missing piece. The estate planning sideis the missing piece. So what are
you doing to put it together?And you might have multiple missing pieces for
your financial retirement, and that's what'sholding you back. That's what gives you
the uncertainty. That's what doesn't giveyou the confidence. That's what doesn't give
you the clarity. You want theclarity, the confidence going into retirement.
(35:50):
Why because you have stuff to fallback on. No one wants to go
back to work in retirement. Andwe've seen it, and you don't have
to. It doesn't have to beif you put everything together. So pick
up the phone, schedule time tomeet with us. Let's put together your
financial pieces. Let's put that puzzletogether and go ahead and let's glue it
at the end so it make surethat it's protected for yourself. Eight three
three Maggie tax. Let's do thisfor you. Eight three three, Maggie
(36:14):
tax. You know, we callit the Maggie Plan. It's simple and
easy to understand, and it shouldbe your plan. It should be the
Smith plan, the Jones plan,whatever. And that's the point we're trying
to make because if you don't havea plan, the government has a plan
for you, and that's not theplan that you want because it's going to
be taxed. You don't even knowif the assets are going to be passed
on to your beneficiaries, and itgoes through probate and then it goes through
(36:36):
that long process and then many ofyou listening today right now are probably shaking
your head saying, you know he'sright. Well, now is the time
to do something about it. Comein and meet with us and go to
my seminar. Come to the seminarand look at the estate planning and the
taxes and the soul security and geta better understanding of what you can do.
And you do it. You don'thave to be told what to do.
I know many times when you're toldwhat to do, you don't like
(37:00):
it. Don't tell me what todo. Let me understand before I do
anything, right. I mean,I used to yell you guys all the
time, but used to walk awayfrom me and say, dad, chill.
You know you don't get it right. But once you understand when you
get older and why you're saying whatyou're saying, it makes total sense.
And that's where we're out today.Right. When's the last class you had
on your retirement and how to putit out together? To be honest with
you, there's no classes out there. They don't teach this stuff in high
(37:22):
school. They don't teach this stuffwith us. Yes, you're right,
but but most people they work allday, you know, the college,
they don't teach this stuff. Stuffshould be taught in an elementary and middle
school and high school. Right.It just makes us all stronger. But
at the end of the day,it's not so well. Put into this
environment where you need to control yourretirement. We're in a yo yo economy.
(37:45):
You're on your own, but youdon't have to be if you have
the right resources. And that's whatwe do. When you're coming to meet
with us. Let's get togethers,have a conversation. That's why we call
it the Maggie Plan. It's taxplanning piece, it's the income planning piece.
Let's put together play checks, playchecks and paychecks. My gosh,
think about how many paychecks do youwant in play checks coming in the front
(38:06):
door every month for the rest ofyour life. That's a great income plan.
What about your investment plan? Youknow, make sure that you have
investments with different risk tolerances and maximizingit with the potential for the market gains
but also the market losses. Makesure you protect those. What about your
tax risk? Make sure that you'rein control of the future legislation. So
(38:28):
pick up the phone, schedule timeto meet with us. We thank you
so much for listening today. Eightthree three Maggie Tax. Schedule time to
meet with us. We look forwardthrough meeting with eight three three Maggie Tax.
You've been listening to the Maggie Taxand Financial Hour discussing tax planning investment
strategies, presented by Robert and ChrisMaggie from Maggie Tax Advisory and Financial Services
with offices in Hillsborough and Pinella's County. Visit Maggie tax dot Com or call
(38:53):
eight one three three two two twentyfive twenty. That's eight one three three
two two twenty five twenty and tunein next Saturday at five for the Maggie
Tax and Financial Hour
All these years you've saved up planningfor a secure retirement, but if you're
not careful, it will be theirs that's living it up when you retire
by taxing your hard earn money.Welcome to the Maggie Tax and Financial Hour
with Robert and Chris Maggie of MaggieTax Advisory and Financial Group. With over
thirty years of combined experience in taxsavings, income planning, and investment opportunities,
(00:21):
Robert and Chris share advice and taxplanning strategies designed to protect your retirement
nest egg from Uncle Sam. Yourquestions and comments are welcome during today's program
by calling eight one three three twotwo twenty five twenty. That's eight one
three three two two twenty five twenty, or visit Maggie Tax dot Com.
That's Maggi tax dot com and nowyour host for the Maggie Tax Financial Hour
(00:48):
on nine seventy WFLA. Robert andChris Maggie. Welcome everyone, and thanks
for joining us today. My nameis Bobby Maggie and I'm here with my
son and co host Chris Maggie.You are listening to the Maggie Tax and
Financial Show. Be sure to visitour website, Maggie Tax dot com.
And on the top right there's theretirement calculator. Click on it, put
in the information and in thirty secondswe'll tell you what your retirement bill is
(01:10):
going to be. We have receivedmany, many requests, and I'm telling
you now this will help you understand. You know what your tax bill is
going to be. Don't forget.Every Sunday at ten thirty am on ABC
TV, watch our show, TheMaggie Tax and Financial Show. So we
want to be clear what we doevery day. A lot of people like
are looking toward financial advisors. Chris, and you know we've done this.
(01:32):
I've done this for thirty two years. You've been with me since you've been
in high school. And it's importantto know because it's about education. That's
what Chris and I always try todo. And I talk about language.
It's interesting because maybe you don't understandthe retirement language, or the investment language,
or the tax language. That's whatwe do, Chris, That's what
we do every single day. AndI just want to make that point because
(01:55):
give us a call eight three threeMaggie Tax, and be sure to visit
our website. Maggie tax dot Com. So welcome everyone. I'm Chris Maggie,
and thank you so much for tuningin. As my dad mentioned,
yes, so we educate a lotof people. Why because we feel that
you should be empowered, you shouldhave confidence, and this is what we
do each and every day. Youknow, when's the last class you had
on how to put away money forretirement, or to have an income plan
(02:17):
during retirement, or even what abouta tax plan on how to reduce your
taxes? You don't. Let's justmake it simple. They don't teach it.
Well, that's the problem. Sopick up the phone, schedule time
to meet with us. Come meetwith us, Let's have a conversation because
we can help you in a lotof different ways. We are holistic planners.
What does that mean. We havethree divisions. We have our tax
(02:38):
division, we have our insurance division, we have our investment division. We
also have attorneys that work with usdo the estate planning. So on our
tax side, what do we do? You know? We help people ways
to find ways to reduce their taxes. We take a tax approach and everything
we do to help people with taxadvantage strategies. And not every advisor does
(02:59):
this. This is very important.Most CPAs don't do tax planning. They
just do tax preparation. Most advisorsout there say they do tax planning,
but they don't. It's very simple, but we do. So when you
meet with us, we're going toput together a tax plan. So visit
our website at maggytax dot com andlet's schedule a time to meet with us.
And we have our insurance division alsoour investment division, which we'll get
(03:21):
into a little more later today,but that's what we do. So schedule
time to meet with us. Welook forward to meeting you. And one
thing that's very important to what Chrissaid. There are transactional advisors out there
that just want to sell you theproduct of the day or the stock or
the mutual fund. That's not whatit's about. That's not what it's about.
When you do planning, we talkabout complete plan. We had a
gentleman in the other day and hehad come in because he needed help with
(03:43):
his IRA. He didn't understand therequirementium distribution, so we explained the language
to him. And when you talkabout a complete plan, we're talking about
what Chris mentioned before, tax plan, income plan, investment plan, legacy
plan How many of you don't havea will or a power of attorney.
How many of you don't even haveyour beneficiary set up correctly? Think about
that and Chris and I we meetwith everybody, you know, these people
(04:06):
every day and they sit back andthey go, I never thought about it
that way. So when we talkabout a holistic approach and you go to
Maggie tax dot com, you're goingto see a lightbulb and around that lightbulb
is everything we're talking about. Andthat's just sits. So if you have
questions on income planning or investments,or your Form one K, or tax
planning or legacy planning, then pickup the phone, schedule time to meet
(04:28):
with us. What about soil securityplanning? How to maximize the soil security
benefit? You know, when doyou take soil security? Is it sixty
two? Is it sixty six?Is a sixty four? Is it seventy?
When should you take it? Whatif you're married, there's what they
call spousal benefits. Learn what thoseoptions are. We can show you.
Maybe you can take a spousal benefitand keep letting your account grow. How
(04:50):
does that work? Well, let'sshow you. So pick up the phone,
schedule time to meet with us eightthree three, Maggie Tax and don't
forget. Tune in every Sunday toour TV show on ABC at ten thirty,
and then right after the show ateleven o'clock, tune into the radio
on nine seventy WFLA. We'll giveyou more information on the Maggie Tax and
Financial Show. The point I'm tryingto make because I've been doing this for
(05:11):
a long time, I've seen manypeople come visit with Chris and I.
I've seen people of all ages,so have I. Chris has the same
thing, and the biggest thing isretirement planning, and they don't understand,
you know what they have. AndI think that's important Chris, because we
talk about it. We do abalance sheet, and a balance sheet is
so important because we find out whereyour assets are, what's your home is
worth. You know what's your nonqualified accounts are, what your qualified accounts
(05:35):
are. You know what your budgetis, and that's another big question.
We did a TV show a coupleof weeks ago and we did a segment
on budget planning. I can't tellyou how many calls I received about g
Can you help us put a budgettogether and Chris in line with that,
and you can talk about this.But when you do budget planning, it
now becomes income planning. That's exactlyright, you know, and many people
(05:56):
don't understand how much income they need. So where those income sources is going
to come from? And that's whywe call it an income plan. You
need to have a plan. Whatabout your investments? You know, many
people have different piles of money ordifferent accounts. Think about the statements you
get. You have a formal casestatement here, you get a statement at
the end of the month from there, and then you get another one from
here, and then you get allthese statements in the mail and then guess
(06:18):
what what are they actually doing?What kind of purpose do you have with
each and every one of those accounts? Is it for income? Is it
for growth? Is it for dividends? Is it for ways to reduce your
taxes? What is it? Sowhen you come in to meet with us,
we're gonna talk about bucket planning.We're gonna put together a plan for
you. You know, We're gonnahave a purpose with every account that you
(06:42):
have. And that's what we callthe Maggie Plan, and very simply,
the Maggie plan is a plan foryou. It's a plan that's simple and
easy for you to understand. It'syour plan. It consists of income planning,
tax planning, investment planning, solsecurity maximization planning. That's what we
do in a state planning. Sopick up the phone, schedule time to
meet with us. We really lookforward to meeting with you. Eight three
(07:02):
three Maggie Tax. You know,things are getting serious right now. People
are concerned about income, about taxes. You know, what am I going
to do if I retire? Andthe big question can I retire? And
that's what we get every day thatyou know when we meet with people.
So we offer strategies and concepts.And again, if you're meeting with an
advisor and they're only selling you aproduct, what is that doing for you?
(07:25):
For income and legacy planning? Andagain I can't make this point you
know enough, but if you don'thave any estate planning done, now is
the time to come in and let'stalk about that. Also, go to
my website Maggie Tax dot com.On the top right, you're going to
see the retirement calculator. Click onit. It's real simple. In thirty
seconds, we can tell you whatyour retirement tax bill is going to be,
(07:46):
no matter how much you have inretirement. One more thing, Chris,
you mentioned before, I want tobring up four oh one ks.
We have met with a lot ofpeople that have many or old four oh
one ks and they're still sitting therewith the company and they don't know what
to do with They might be ontofifty nine and a half because if they
are all you know what happens here, you can explain that, but they
don't know what to do with thefour oh one k. Chris, Well,
(08:07):
let's just said. I remember aclient last week and he actually had
a true story. Brought in hisresume and he brought in his resume and
he brought in all these papers andhe said, I think I have old
accounts at different places of employment,but I'm not really sure. So luckily
had his resume there. He wasn'tlooking for a job, but he was
(08:28):
looking. He wanted to show mewhere he worked because if there was a
retirement plan there that he had,he want to make sure that he can
roll it over and consolidate. Andthis is a guy who had eight different
companies, so he had a planhere and a plan there. And again
some of those companies to get themoney out you had to do their own
paperwork. He had to complete theirown paperwork, so he didn't know that
either. Some we could do overthe phone. Someone had to do a
(08:50):
transfer form. So these are thingsthat we know that we have to help
you with to keep you out oftrouble. And that's what it's about,
the consale. Put together a bucketplan, have a purpose with your accounts,
and that's what we could do tohelp you. So pick up the
phone, schedule time to meet withus. Eight three three, Maggie Tax.
Visit our website. There's so muchinformation right there. As my dad
(09:11):
mentioned the retirement tax bill. Ifyou have an IRA four O one K,
you have accounts that are infected withtaxes. What are you doing about
that to diffuse the big tax bombthat's going to happen when tax rates increase.
Pick up the phone eight three three, Maggie Tax. We can show
you how, and we call thatstrategic planning. And if your advisor is
(09:31):
not talking to you about that,shame on them. So come in.
We'll do a second opinion. That'sno cost, no obligation, but I
will tell you this. Once wedo a second opinion, you might learn
something that's going to be like thataha moment. And that's where we're different
and we're a complete advisor. We'rea complete advisor because we do tax planning,
we do income planning, we doinvestment planning, we do Medicare,
(09:52):
we do social Security, we doa state planning. Ask yourself this question,
or ask your advisor how many ofthose things do they do? And
if they don't do it, thenit's time to come visit with Maggie Tax.
Eight three three Maggie Tax. Andlet me ask you all the simple
question, do you have a completeplan? Ask yourself that question, do
you have an incomplete plan? Andthat should confuse you or should make you
(10:15):
angry, because if you don't pickup the phone eight three three Maggie Tax,
show to visit our website Maaggie taxdot com, click on the retirement
calculator on the top right, putin the information and in thirty seconds it'll
tell you what your retirement tax billwill be. I'll receive an email.
I'll even reach out to you tocome in and make an appointment, no
cost, no obligation. But it'stime that you understand what your tax bill
(10:35):
is. Eight three three Maggie Tax. Don't forget. We have an office
in St. Pete Palm Harborn alsoLoots, so it's easy to access any
office you have. We have operateda standing by right now. Eight three
three Maggie Tax. Eight three threeMaggie Tax. And you're listening to the
Maggie Tax and Financial Show. Don'tforget. Every Sunday, tune into the
Maggie Tax and Financial Show at tenthirty on the ABC TV. Stop planning
(10:58):
for Sam's retirement and start planning foryour retirement. As we return to the
Maggie Tax and Financial Hour with yourhost, father and son, Robert and
Chris Maggie. For additional information onhow you can create a tax free retirement,
visit Maggie Tax dot com. That'sm a Ggi tax dot com or
(11:20):
call eight one three three two twotwenty five twenty. That's eight one three
three two two twenty five twenty nowyour host for the Maggie Tax and Financial
Hour, Father and son from MaggieTax Advisory and Financial Group, Robert and
Chris Maggie. Welcome back everyone,and thanks for joining us today. My
name is Robert Maggie. I'm herewith my son Chris Maggie. So we've
(11:41):
been talking about a lot today.If you have any questions, just give
us a call. Eight three threeMaggie Tax. But I want to talk
about a client that we have tokind of give you an example of how
you can reduce your taxes with anIRA. So it may apply to some
of you, but to point asany numbers that you have, we can
put in there. But so wehave a client eight has one point five
(12:01):
million in his IRA and he wantsto convert to a tax free account.
Now we can do it strategically overtime, or we can rip off the
band aid and pay the tax todayand get rid of IRUs. And sometimes
that's what people want to do,but there is a cost of tax deferral,
and the people in Washington are goingto take a big bite of your
(12:22):
IRA. So visit Maggie tax dotcom, click on the retirement, calculate
it, and we can show youin thirty seconds how to reduce your tax
bill thirty seconds. That's not alot of time, but it would help
you because if you believe taxes willbe lower or stay the same or higher,
IRS will get their share no matterwhat happens. So give us a
call eight three three, Maggie.Tax So what are we talking about here.
(12:45):
We're talking about the gorilla in theroom. And it's called legislature risk.
Congress can change the rules any timebecause they are written in pencil,
and we say this every week.So, Chris, if taxes are going
to be higher, what are youdoing about it? And just remember the
federal debt is now larger than theUS economy. That's that means we have
to pay taxes, Chris. Thatmeans all of us have to pay taxes,
(13:07):
and it's going to come retirement savings. That's when you're going to get
it from We'll just pitture this fromit. You know, lay back,
think about this, and if youdrive in, don't lay back, but
go ahead and think about this whenyou go home, because now it's a
time to really understand. You know, you're putting money in or you haven't
putting money in for years, taxedfor investments. And what happens is Uncle
Sam at seventy two years old hasthe coming knock in and that's when you
(13:28):
have to start taking a distribution calledthe required minimum distribution. Seventy two is
the age. So think about this. The grill in the room is the
legislative risk because they can change it. So if you're five hundred thousand dollars
IRA or million dollars IRA, itjust keeps growing, or two hundred and
fifty thousand dollars IRA just keeps accumulatingtax deferred, which means you don't pay
(13:50):
tax on it now until later.Guess what when the legislation changes and the
risk associated with that changes, becausenow it's on you. Now you're in
retirement. Now you have to justbite the bullet and pay the tax.
Do you really want to go downthat route? So what I mean by
close your eyes and think about this, what if you're in position and you're
retired and you're cruising along and guesswhat legislative risk happens and it changes because
(14:16):
more income is going to go toUncle Sam than you. You're going to
be stuck with less income and payingmore taxes. That's what I want you
to visualize. When that happens,what are you going to do about it?
So why not take the time nowto put processes and procedures in place
to go ahead and put yourself inposition and take advantage of these opportunities as
(14:37):
opposed to falling victim to them athree three Maggie tax. You hit it
on the head. That's called planningbecause a lot of people don't want to
sit down and do this type ofplanning. And right now, think about
this. Congress is debating trillions,trillions of dollars in tax and spending bills.
That's the gorilla in the room.So just remember, the more spending
the government does, the more taxeswe will pay. It's that's simple.
(15:00):
So let's address another gorilla in theroom. The current administration said nobody making
under four hundred thousand dollars would nothave their taxes raised. Period. That's
what he said. How many believethat? So let's discuss three ways taxes
can rise for all of us.Number One, tax brackets can change.
If it does and they lower thetax bracket, which they're thinking, then
(15:22):
you will pay more taxes, Chris, And that's the problem that a lot
of people don't see what's going tohappen. Number Two, deductions. We
talk about this. The standard deductionis what we have now. But if
they need more tax revenue, theycould lower the tax deductions and guess what
that means, what, Chris,more taxes? So can these things happen
or will happen very very easily.They can happen, And that's legislative risk,
(15:45):
and it definitely can happen with achoke of a pencil. Yeah,
exactly. So number three and thisis the girl in the room that I'm
talking about and Chris is talking about. They can start new taxes. And
remember the next two years taxes areartificially low. So when the Trump tax
cuts expire, we're going to allpay more in taxes. So what strategies
and tax plan do you have?Do you have any plan at all?
(16:08):
And if you have no plan,then meet with us and we can design
a tax plan and think about thestealth taxes. Remember social Security can be
taxed as high as what eighty fivepercent? And Chris, every time we
see a tax between people are shocked. But that depends on what you make.
Did you ever think they could taxone of your social security? Of
course they could, And that's whatwe call legislature risk. They're talking about
(16:32):
all of this, Chris, andit's coming. It's the bite of the
apple that they keep talking about.They can change the rules anytime they want
why because it's simple. It's writtenin what all of you should say at
pencil. So visit Maggie tax dotCom, click on the retirement calculator and
in thirty seconds we can show youyour tax bill in retirement Maggie tax dot
(16:52):
Com. It's real simple. It'sup to you. Let's think about that.
What he just said. You know, if they change the tax rates,
those stealth taxes, stealth taxes areare deadly because it affects everybody.
It affects the lower class, themiddle class, the high class, and
that's where it's just gonna affect everybody. So think about you. Think about
your position. We're in a yoyo economy. You're on your own,
(17:15):
which means that the government is notgoing to help you. Don't don't figure
out that and don't have a planthat they're going to bail you out.
You need to make sure that you'reon your own. You worked hard,
you put money away, you're doingeverything right. But then again, what
are you doing when the tax menincreases the levels and the tax rates.
It's gonna it's gonna be a burdenon you because you're gonna pay more in
(17:36):
tax and less income to you,So think about this. Now's the time
the plan. Now is a timeto meet with us. Now is the
time to pick up the phone.Schedule time. Let's go ahead and put
together a plan. We call itthe Maggie Plan. It's a tax plan,
it's an income plan, it's aninvestment plan, it's sol security maximization
planning. It's planning that you neednow to take advantage of what's about to
(17:57):
happen at some point. We don'tknow when it's going to happen, but
we do know it's going to Sothink about this. When the trunk tax
cuts expire in twenty twenty five,what's going to happen. They have to
change the tax rates. They revertback at least three percent higher. But
what if they change it along theway. What about the stealth taxes that
my dad mentioned. What about thosetaxes that they're going to change with legislative
(18:19):
risk where they can start adding newtaxes, they're gonna affect you. The
problem is when you're in retirement andyou can't go back to work or generate
more of an income stream, youhave to rely on your investments. You
have to rely on what you've saved. You have to rely on living within
a certain budget. Is that whatyou want? You don't have to if
you put together a plan. Wehave clients that a play checks. They
(18:41):
have paychecks, but yeah, Isaid it play checks. What's a play
check? The play check is additionalmoney that comes in every month for the
rest of their life, guaranteed forlife, that you can spend the heck
out of and not worry about it. So you want to combat inflation,
we can show you eight three threeMaggie Tax. That's eight three three Maggie
Tax. Stop planning for Uncle Sam'sretirement and start planning for your retirement.
(19:06):
As we return to the Maggie Taxand Financial Hour with your host, father
and son, Robert and Chris Maggie. For additional information on how you can
create a tax free retirement, visitMaggie Tax dot com. That's Maggi tax
dot com or call eight one threethree two two twenty five twenty. That's
eight one three three two two twentyfive twenty Now your host for the Maggie
(19:33):
Tax and Financial Hour, Father andson from Maggie Tax Advisory and Financial Group,
Robert and Chris Maggie. Welcome backand thanks for joining us. Today
you're listening to the Maggie Tax andFinancial Show. Don't forget Every Sunday Tomorrow
at ten thirty am on ABC TV, tune into the Maggie Tax and Financial
Show. And again, most importantly, visit our website, Maggie tax dot
com. Why because on the topright we have the retirement calculator, So
(19:57):
if you're concerned about your taxes inretirement, click on that button. In
thirty seconds, we can tell youwhat your retirement tax bill is going to
be, and then you could startdoing some tax planning. Number two,
we have upcoming seminars every month ontaxes, soul security, on everything that
we do here. So go tothe website up on the top, it
says upcoming seminars. Click on it. You'll see the dates and the locations
(20:18):
and if you have time, registeringand come on out. And the other
thing. Many of you are listeningto our show and have questions. We
have a chat box. Click onthe chat box and ask the question and
we can help you out. Now, Chris mentioned something before, I just
want to touch on it because wheneveryone comes into our office, we ask
them why are you here? Okay, and they tell us because maybe your
taxes or we're not sure about ouradvisor. But Chris, you mentioned one
(20:40):
thing before you asked the gentleman,is safety important to you? Just elaborate
on that question with this client,because it took you in a total different
direction, and even took him ina direction. That's exactly right. You
know, the client him in lastweek and he's got over two million bucks
and the number is not important tous. But the fact the matter is
(21:00):
is when we asked him that question, it does make sense because we asked
him, as safety of your moneyimportant to you? And guess what he
said? He said absolutely. Atthis age it is so he had all
his papers all over my desk andI'm looking at them, and he had
a variable annuity here, a mutualfund here, a four one k here,
he had a stock portfolio there.And I looked at everything, and
(21:22):
I said it again, as safetyof your money important to you? And
he said absolutely. And I said, well, you're all you're in risk.
All your money is in risk,and he said, I know,
but I don't know how or whatto do with it. He said,
I've just been trained for years toput money away, and I just did
what everyone else was doing, andI put the money in a four one
(21:45):
K and I got an advisor whojust deals with stocks and I and I
put money with this insurance guy andhe deals with variable annuities and that's that's
what I did. So it wasmore like a he just told us a
story. It was great, buthe said, that's why I'm here.
I want a plan. I wantto create something because I know I can't
keep doing what I'm doing if ifthe market goes down and the volatilities the
(22:10):
way it is, I will nothave what I have on this desktop.
Stop you gotta stop here. Myheart is bubbling right here. The thing
that what Chris just said, andthis is for many of you, and
you'll understand, you aren't going bythe old rules of retirement. They're old,
they don't work. So we wantto teach you the new rules of
retirement. We have a book thatwe wrote, New Rules of Retirement.
(22:32):
I can send it to all ofyou in an email if you want.
I'll be glad to let you readit. Because as Chris and I go
through the show and through the TVshow, we talk about bucket planning,
and most of the people that wetalked to when Christell agree. They don't
know what bucket planning is. It'sa pile of money. It's putting your
money in variables, it's putting yourmoney in mutual funds, in stocks.
Where's the plan, where's the incomeplan, where's the tax plan, Where's
(22:52):
the investment plan? And like Chrissaid, it's an old advisor who just
gives you the same thing. Becausewe're taught to stay in the same line
with everybody. Chris mentions about beingwith the herd. You don't have to.
You can get off the exit andgo in a different direction. And
folks, I don't know. I'mpassionate about that. So was my son.
Because we see this every day.I've been doing this for a long
time, been in this business thirtyyears, and I'm sick and tired of
(23:15):
seeing people sold something that they don'tunderstand. And Chris, that's the language
again. And you know, Iget upset because I'm older than you,
but I see this every day.You've been doing this for over twenty years
with me. You see it everyday, and you're a young guy.
It's got to bother you. Forthe young people as well as the older
people. Am I right or wrong? Now? That's just it. I
mean, you don't know what youdon't know. And all due respect,
(23:36):
a lot of people listening today areolder than I am. But you know,
the education is so important that wecan deliver it to you so you
can make a sound decision. Soyou now can know about what you have.
You can know it and you canfeel confident and that's what builds clarity
and confidence moving forward in retirement,and that's why you can be happy during
retirement. You don't have to worryabout these ups and downs and the volatilities.
(24:00):
So you know, where is itprinted that you have to lose twenty
thirty forty percent in the market.Where is it written that that's what you
have to do? And the truthis it's not written anywhere. You don't
have to be there if you don'twant to. You know, let's discuss
what this means, because there arepoor choices out there. Many of you
contribute to form one case or iraswithout determining if you're receiving a worthwhile upfront
(24:22):
tax deduction. You know a lotof people talk about by term and invest
the difference, but when you dothat, do you really understand what they're
saying? Do you understand what thatmeans. You know, many people out
there are on the radio, manypeople out there are on TV. But
guess what are they really delivering theright message? Are they just selling a
product you hear on TV all thetime, buy gold in your IRA,
(24:44):
by gold in your IRA? Isthat what you need to do? That's
a transactional advisor, Chris, it'snot a plan. That's not a plan.
You know. And again the languagethat we talk about and trying to
teach you everyone on the radio,showing TV for years. We know this
because we see this every day.And here's another one. Use tax deferral
to reduce income taxes. Now youknow life insurance is allowsy investment. And
all of these are ridiculously inaccurate statementsbecause what Chris mentioned before, you have
(25:08):
a transactional advisor that's going to sellyou a stock bond and mutual fund doesn't
talk about anything else. You havean insurance guy that's just going to sell
you one product, doesn't talk aboutanything else. And then you have a
fiduciary like Maggie Investments who are talkingabout income planning, tax planning, investment
planning, and how it pertains toyou to your situation because the government tells
you thousands and thousands of times thatthey are true, and you begin to
(25:32):
believe them. You know, taxdeferral, Well, you all know that
in two years the tax cuts aregoing to expire and it's going to go
up at least three percent. Onmy website, I have a spot there
for retirement calculator. Now they're extendingthe RMD. Chris was seventy two.
Excuse me, it was seventy anda half, and then they bumped at
the seventy two and a lot ofpeople didn't know that, and now you've
(25:52):
just found out that they're going tobump at the seventy three. So here's
what they're doing. If you understandwhat we're trying to talk about the language,
they're pushing it out so you don'thave to take the require minimum distribution
and get a higher tax. Whatthey're telling you is do some planning,
do some planning, and get thatmoney out now at a low tax bracket,
which we can explain to you froma tax standpoint, and then later
(26:15):
on have what Chris tax free moneythat's just said. Over the past year,
we've had more clients have ever hadbefore want to talk about or entertain
roth conversions and very adamant about doingit. You know, we have clients
that come in just want to ripoff the band aid and just convert money
from iras which is infected with taxes, to tax free money. They want
(26:36):
to know how to go about doingthat. So I want to do it
strategically. That's why we put togethera plan. So when we look at
this whole thing, it's about you. It's about your plan. What's your
plan, Not your neighbors, notyour brothers or your sisters down the street,
It's your plan. Every situation alittle different. Are you looking for
income, Well, we can giveyou income in a most tax efficient way.
We can have a guaranteed pension plan, your family guaranteed pension plan.
(27:00):
You don't have to work for acompany for twenty years and retire with them.
You don't have to. You couldtake what you have and design your
own family pension. What about theinvestments? What about managed portfolios? Do
you have a purpose with your accounts? Do you have a buffer strategy to
protect you On the downside? Whatare you invested in? Do you know?
Do you really know? That's whatwe're discussing here. So when you
(27:22):
come to meet with us, we'regonna teach you. We're going to educate.
You're going to first show you whatyou have, and if you've got
something good, great, we'll keepit. But if you don't, maybe
you want some options. And that'swhere we're going with this. Because the
client who came in safety of hismoney is important to him. But guess
what, he's one hundred percent inrisk. He doesn't want to be there,
but also he just doesn't know howto get to the other side,
(27:44):
and we can show him. Soif you're listening, let me talk about
some of the things that we doto kind of help you out here.
The question we ask is how canwe help you? You know, what
keeps you up at night? What'sthat big you know gorilla in the room?
What are you doing about it?Is the question. The first thing
you should do is give us acall eight three three, Maggie Tax.
Let's discuss the Maggie plan. Let'sdiscuss the complete plan. So where do
(28:04):
we go from here? It's easy, pick up the phone eight three three,
Maggie Tax. And here's another thing. Chris talked about it before.
Has anyone ever done a beneficiary review? For you. We get people coming
in and say their parents just passedaway and guess what they did no planning.
Now it's time for them to dothe planning. Do you have what
we call a complete plan or anincomplete plan? And Chris, I have
(28:25):
to tell you. When I tellpeople this, they get offended by what
do you mean? I have anincomplete plan? And I'm not trying to
be funny yet, but you do. You don't have an income plan,
you don't have a tax plan,you don't have an investment plan where like
Chris just just talked about how muchmoney do you want to lose? It's
not written where you have to losetwenty thirty, forty percent nowhere. I
have books all over my office.I read a lot. I don't see
(28:45):
that anywhere. Christy, you it'sfunny. It's just not working that way.
But you don't have to do that. And they remember, we live
in a YOEO economy and that meansyou're on your own. Just because the
majority of you follow the herd,it does not mean that you have to.
We all know that. We tellour kids, right, you don't
have to follow Johnny down the street. Right. We have to do that,
(29:06):
but we do, but you don'thave to, especially in retirement,
because this is your money. Andthat's why many people say, well,
get to a million bucks then youcan retire. Well, I have clients
that don't have a million bucks.That's fine. They have two hundred thousand
dollars and they're retired and they enjoyingthe buckets of money that are generating the
income because that's what they want.So again, where are you? What
(29:29):
do you want to do? Doyou want to maximize income? Do you
want to maximize your state income taxfree? Do you want to advanced tax
planning strategy to reduce your taxes?Well we can help. What about creating
a tax deduction so you can takemore out of your IRA and convert it
to a roth IRA and pay lesstax. Would you just say, well,
that's what I'm talking about. Thoseare advanced tax planning strategies that you're
(29:52):
CPA, you're broker, you're advisor. They're not even talking to you about
this. There are strategies out therethat you can take advantage of to accomplish
what you're looking for. It's verysimple. Think up the phone, schedule
time to meet with us eight threethree Maggie Tax. So visit Maggie tax
dot com. We gave you somereasons why. Click on the retirement calculator
(30:14):
up top. I don't think anyone'sdoing this and anyone talking about it right
now retirement calculator and in thirty secondswe can tell you what your retirement tax
bill is going to be. Lookfor this upcoming seminars we do it on
taxes and so security. Look forthe location near you register and come out
and see us for an hour andhour and a half. And then don't
forget. We have the chatbox onour site, Maggie Tax dot com.
Put a question in, We're gonnarespond, We're going to answer, and
(30:37):
then we can set up a timeto meet with us. Eight three three
Maggie Tax. And be sure towatch our TV show every Sunday at ten
thirty am on ABC TV and learnabout all the information we're talking about.
Folks. It's the language. Ifyou don't understand it, we can help.
And remember we have offices on bothsides of the Bay. We have
one in Tampa, Palm Harbor andCP So pick up the phone eight three
(30:59):
three Maggie Tax. Sure to visitour website Maggie Tax dot Com eight three
three Maggie Tax. Stop planning forUncle Sam's retirement and start planning for your
retirement. As we return to theMaggie Tax and Financial Hour with your host,
father and son, Robert and ChrisMaggie. For additional information on how
you can create a tax free retirement, visit Maggie tax dot com. That's
(31:22):
Maggi tax dot com or call eightone three three two two twenty five twenty.
That's eight one three three two twotwenty five twenty now your host for
the Maggie Tax and Financial Hour,Father and son from Maggie Tax Advisory and
Financial Group, Robert and Chris Maggie. Welcome back and thanks for joining us
(31:44):
today. And I hope you lenka lot from today. We have a
lot to discuss with you. Pleasego to our website, Maggie Tax dot
com and register for the seminars thatare coming up on tax planning, on
SOULI security, on a state planning. Questions that you have we can answer,
give us a call eight three threeMaggie Tax. There are operated standing
by right now. It's up toyou and we call it a three and
one. We call it a threeand one. That's a good point.
(32:05):
I forgot so three and one.Yeah, tax planning, a state planning,
sol security, And there's no onethat I know that's doing three and
one. And this is an educationalevent. It's about you understanding the language.
So we talk about a lot ofthings. You know, your retirement
tax score? What is it?You know how it pertains to taxes because
you're going to be paying a lotin taxes somewhere. You're going to be
paying taxes somewhere. But how muchare you going to pay? We don't
(32:28):
know. You know, how areyour assets tax when you know? Chris.
One thing that we always get whena client comes in and shows us
their statement on the bottom, itsays consult with a tax advisor, right.
So, and the reason why wesay that is because what we see
on that form is they're taking moneyfrom a taxable account to create a tax
and they don't need to if there'san account that's already been taxed. Think
(32:49):
of it this way. If youhave your left hand that's account that's infected
with taxes, and then you havethe right hand, which is tax free.
So think of it about it.Would you want to put your hard
earned assets in your left hand whereit's weak and it doesn't have really strength
and that's where it's infective attacks.Or would you rather put your strong valuable
possessions in your right hand where it'sstrong, you know you can squeeze it.
(33:13):
You have the ability to have taxfree money. That's what we're talking
about here. So think about yourretirement accounts today when you get when you
leave for the weekend, and youthink about during things during the week and
after today's show. It's so importantthat you understand where your money is.
Do you have accounts that are infectedwith taxes that you're living in a question
mark tax environment? Who wants tolive in an environment where it's cloudy all
(33:38):
day, right and you don't knowif it's going to rain. Well,
that's the same thing. You don'tknow what it's going to rain on your
investments, and when it does,it could be really, really hard because
they change the legislative risk where there'smore taxes to pay. I'd rather be
in a sunny Florida where the clearskies and there's no rain, knowing that
you can put a smile on yourface. And that's the retirement that I
(33:59):
want. You can have that too, if your accounts are put into position
where they're safe, where you haveprotection against tax risk and also investment risk,
and you can take income for therest of your life. That's what
we're talking about today, putting togetheryour financial puzzle. Make sure it's right.
We all put together puzzles in thepast. We all know that when
you're done putting the puzzle together,it makes yourself feel really good. But
(34:22):
that one or two missing pieces reallyupsets you. So put together the retirement
puzzle for you and we can helpyou the tax side of it, the
income puzzle piece, the investment puzzlepiece, the estate planning puzzle piece,
the soul security maximization puzzle piece.Let's put it all together so you can
put a smile on your face forretirement. So schedule time to meet with
(34:42):
us. Eight three three, Maggietax that's eight three three, Maggie Tax.
I have a question for you.You've done puzzles before, and every
time, like you and your brotherdid a puzzle and we got to the
end it was a piece missing.How hard did we search for that piece
that's missing? We went absolutely positively. What nuts we looked under the table,
We looked in the box, Welooked all over, because that puzzle
(35:06):
is not complete without that final pieceexactly. And you mentioned that, what's
the final piece? Is it taxes? Is it legislative risk? Is it
so security? Is it market risk? What is it? Is it a
state planning risk? What's the missingpiece? Chris, great point, And
that's why many people out there.The tax pieces the missing piece. The
investment piece is the missing piece.The guaranteed income streams are missing it's a
(35:30):
missing piece. The estate planning sideis the missing piece. So what are
you doing to put it together?And you might have multiple missing pieces for
your financial retirement, and that's what'sholding you back. That's what gives you
the uncertainty. That's what doesn't giveyou the confidence. That's what doesn't give
you the clarity. You want theclarity, the confidence going into retirement.
(35:50):
Why because you have stuff to fallback on. No one wants to go
back to work in retirement. Andwe've seen it, and you don't have
to. It doesn't have to beif you put everything together. So pick
up the phone, schedule time tomeet with us. Let's put together your
financial pieces. Let's put that puzzletogether and go ahead and let's glue it
at the end so it make surethat it's protected for yourself. Eight three
three Maggie tax. Let's do thisfor you. Eight three three, Maggie
(36:14):
tax. You know, we callit the Maggie Plan. It's simple and
easy to understand, and it shouldbe your plan. It should be the
Smith plan, the Jones plan,whatever. And that's the point we're trying
to make because if you don't havea plan, the government has a plan
for you, and that's not theplan that you want because it's going to
be taxed. You don't even knowif the assets are going to be passed
on to your beneficiaries, and itgoes through probate and then it goes through
(36:36):
that long process and then many ofyou listening today right now are probably shaking
your head saying, you know he'sright. Well, now is the time
to do something about it. Comein and meet with us and go to
my seminar. Come to the seminarand look at the estate planning and the
taxes and the soul security and geta better understanding of what you can do.
And you do it. You don'thave to be told what to do.
I know many times when you're toldwhat to do, you don't like
(37:00):
it. Don't tell me what todo. Let me understand before I do
anything, right. I mean,I used to yell you guys all the
time, but used to walk awayfrom me and say, dad, chill.
You know you don't get it right. But once you understand when you
get older and why you're saying whatyou're saying, it makes total sense.
And that's where we're out today.Right. When's the last class you had
on your retirement and how to putit out together? To be honest with
you, there's no classes out there. They don't teach this stuff in high
(37:22):
school. They don't teach this stuffwith us. Yes, you're right,
but but most people they work allday, you know, the college,
they don't teach this stuff. Stuffshould be taught in an elementary and middle
school and high school. Right.It just makes us all stronger. But
at the end of the day,it's not so well. Put into this
environment where you need to control yourretirement. We're in a yo yo economy.
(37:45):
You're on your own, but youdon't have to be if you have
the right resources. And that's whatwe do. When you're coming to meet
with us. Let's get togethers,have a conversation. That's why we call
it the Maggie Plan. It's taxplanning piece, it's the income planning piece.
Let's put together play checks, playchecks and paychecks. My gosh,
think about how many paychecks do youwant in play checks coming in the front
(38:06):
door every month for the rest ofyour life. That's a great income plan.
What about your investment plan? Youknow, make sure that you have
investments with different risk tolerances and maximizingit with the potential for the market gains
but also the market losses. Makesure you protect those. What about your
tax risk? Make sure that you'rein control of the future legislation. So
(38:28):
pick up the phone, schedule timeto meet with us. We thank you
so much for listening today. Eightthree three Maggie Tax. Schedule time to
meet with us. We look forwardthrough meeting with eight three three Maggie Tax.
You've been listening to the Maggie Taxand Financial Hour discussing tax planning investment
strategies, presented by Robert and ChrisMaggie from Maggie Tax Advisory and Financial Services
with offices in Hillsborough and Pinella's County. Visit Maggie tax dot Com or call
(38:53):
eight one three three two two twentyfive twenty. That's eight one three three
two two twenty five twenty and tunein next Saturday at five for the Maggie
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