Episode Transcript
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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 earned 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 Finance Angelauer
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on nine to seventy WFLA. Robertand Chris Maggie, Welcome everyone, and
thanks for joining us today. Myname is Robert Maggie and I'm here with
Chris Maggie, and thanks for joiningus today on the Maggie Tax and Financial
Show. Be sure to visit ourwebsite, Maggie Tax dot com and don't
forget Every Sunday at ten thirty onABC TV, tune into the Maggie Tax
and Financial Show. So, Chris, we have a lot we want to
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talk about. Taxes, we wantto talk about are what we do with
the Maggie Plan. So let's getstarted and see what we got today.
Welcome everyone, and thank you somuch for tuning into our show. And
how many of you out there arejust afraid to ask for help? You
know, we're all human and weget to that point sometimes in our life
that we are afraid to ask forhelp. But maybe you are afraid to
ask. It might seem stupid toask those questions, but really, what's
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on your mind? Many people outthere are worried about their retirement. They
worried about the market volatility, theword about running out of money, the
word about well when what do Ido with Medicare and social security planning?
But you know, maybe you didn'twant to impose on people because you were
afraid to ask for help. AndI are like that. You know,
my brother is like that. Youknow, maybe you're that way. We're
just human, as I mentioned before, But sometimes it takes many years until
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you reach a point that you arein so much trouble that you must ask
for help. And many people outthere are going through retirement and they really
just don't see the positive focus onwhat their retirement's going to look like because
they have those fears and they're uncertain. And you don't have to be that
way if you do the proper planning, you know, and there's absolutely nothing
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wrong with that, because you're humanand we see people every day that need
our help, but we're afraid toask. Many of you listening right now
need our help, and you haveto ask a question. What's on your
mind? You know, what's theelephant in the room. Are you worried
that in twenty twenty five, theTrump tax cuts are going to expire.
We talk about that every week onour show, and it's starting to resonate
with people because it's going to happen. Are you afraid to ask for help?
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Or will you just wait until youget hit with a huge tax time
bomb? And Chris, with thatsaid, we've had many people coming in
and they're starting to realize that inanother in twenty twenty five, what's going
to happen? To the taxes it'sgoing to go up. So you know,
we have the retirement tax calculated tohelp all of them, and in
thirty seconds we can show you whatyour tax bill will be in retirement.
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Just ask for help. It's thatsimple. And here's an example that we're
talking about. Sometimes you get inso much trouble you will have to ask
for help, and it's never toolate. And that's why I pick up
the phone, schedule time to meetwith us eight three three Maggie Tax and
our website, Maggie tax dot comhas so much information right there at your
fingertips and we can help you.If you're looking for income planning, we
can help. If you look ata tax planning, we can help.
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We had a client that came inlast week talked about roth conversions and if
they should convert their iras to roths. They said, well, I hear
a lot about it. Is thatgood for me? And I explained to
them that in their particular situation,it wasn't the right move. But I
had a client that came in lateron that day and guess what it fit
them to the t It was aperfect opportunity, and I showed them ways
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to create a tax deduction so theycan offset some coming out of the IRA
and pay the least amount tax aspossible. So you know, these people
are asking for help, they needit, and we can help. Pick
up the phone, schedule time tomeet with us. Eight three three Maggie,
tax A simple way. We haveseminars on a state planning, social
security and tax planning. And everytime we do these seminars, people say,
well, no, I know aboutthat. But when we start the
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seminar we start talking about wills andtrusts and we talk about social security and
tax planning, it starts to resonatewhat people say, now, I need
help. So we also talk aboutbucket planning and so much more. And
bucket planning, Chris is a bigthing right now because of what we do
with clients. You mentioned it before, had to position their money for income
planning, for tax planning and growthbecause so many people and I know the
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other day we had a client comein. They're so used to the old
way that they have to keep theiraccounts there and that's not true. The
complaint that she had is that,well, there's no tax planning and there's
no you know, income planning,and what do I do and what do
you do is sit down and dosome bucket planning. Wells, it's exactly
it. I mean, every accountthat you have with us has a purpose,
whether it's for safety, whether it'sfor growth, whether it's the combat
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inflation in the future, whether it'sa paycheck that you need, or whether
it's a play check. Playcheck isjust extra income coming in the front door
that you can play with. Youcan spend the heck out of it and
do it all over the next thirtydays, so for the forever and in
your life. So these are incomestreams that can come in and that's why
we do bucket planning. Why notspend down one of those buckets, but
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the other bucket goes right back upto where you started. So really you're
living off of interest. How coolis that? So pick up the phone,
schedule time to meet with us.If you're looking for an investment plan,
we can help. If you're lookingfor an income plan, we can
help. If you're looking for atax plan, we can help. If
you can want to put all thosethree together, so you have income in
the most tax efficient way, andyou have accounts that are growing with safety
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and growth. If that's what youwant, we can help, So pick
up that phone, give us acall. Eight three three Maggie Tax.
Well we make it sound so simple, but the bottom line is all you
have to do is just ask.So why are we making such a big
deal of asking for help? Becauseeventually all of us have to make changes
and ask for help. Something's goingto happen where you definitely need to make
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help. We take an holistic approach. So what does that mean? We're
a complete advisor? And what theheck does that mean? We are a
fiduciary? So what does that mean? And why are we making a big
deal of this today? Why?Because if you do not ask for help,
then you have nothing to complain about. And why are you listening to
the Maggie Tax and Financial Show.I hope you're looking to get something out
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of it. Why because you needhelp, You need professional help, and
we can help. Just ask eightthree to three Maggie Tax, and ask
now before taxes go up, andask now before your benefits get cut.
These are the complaints that we're hearing. All of you can probably share the
same thing. Ask for help nowif you think you will not have enough
to retire, So ask now whywe talk about bucket planning and why we
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discuss safe options. Ask now forhelp, So sit down with us,
have a conversation. Eight three tothree Maggie Tex. Because doing nothing is
not a plan, absolutely, andyou know doing something can save you from
worrying about these things that you can'tcontrol. So pick up the phone,
schedule a time to meet with us. Eight three to three Maggie Tax.
That's eight three to three Maggie Tax. And we're hoping that you listen to
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our show because you want a betterplan than what you have now, and
you have to start thinking about that. Many people are complaining about things and
they want to hide behind the doorand wait for something to happen. Please
don't do that. We take educationvery seriously because the more that you know,
meaning know, the more you knownow, then you can make a
better decision. And we want youto be ahead of the game so you
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can enjoy retirement and have control overwhat happens in your life. How many
of you would like that, Justgive us a call. It's real simple,
eight three to three Magi Tax andlet's discuss the Maggie Plan. Simple
and easy to understand. And that'sso exactly what the Maggie plans about.
It's income planning. It's a taxplan. It's guaranteed income planning for life.
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It's, as I mentioned, atax plan so you can avoid the
unnecessary higher taxes that are coming toall of you. It's coming, it's
coming. Do something now so youcould take advantage of the opportunities that will
be there for you, as opposedto saying, oh my gosh, I'm
part of everyone, or everyone lostmoney, or everyone's paying more in tax,
or everyone doesn't have income. No, that's not the case. Do
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the planning now so you can havea plan. You know, it's an
insurance plan. You know, it'sa tax free retirement plan. That's what
the Maggie plans about. It's bucketplanning. It's looking from a complete angle.
Think about looking through glasses from adifferent lens. You know, you
might be looking at retirement right now. I got to get to a certain
amount and then I can retire.Well, that might not be the case.
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There might be some other strategies thatyou already have enough money. We
had a client, two clients lastweek that came in and the first thing
when we met with them, theysaid I have to keep working because I
have to get to a certain number. And we stopped and we looked at
their social Security, we looked attheir income. We asked them how much
they need per month and get uswhat the amount of money they had.
They just didn't know what to dowith it. So we created bucket planning
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and we showed them that you turnthis bucket on, you let these grow.
This will give you the guaranteed incomeon the most tax efficient way,
and guess what they can retire forlife. And they sat back and they
said, what about inflation, Well, those are the other two buckets that
are growing. So when inflation doeshappen worse than it is now, then
you could turn on for guaranteed incomefor more income. And they said,
oh my gosh, we never wereshown this before. You know our advisor
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who is currently looking at their accounts. All they do is buy and sell
and that's not what they're looking for. They want a plan. They deserve
a plan. You do too,So pick up the phone, schedule time
they meet with us. Eight threeto three mag Attacks. We have offices
on both sides of the Bay.Maggi tax dot Com eight three to three
Magi tax. Just remember it's aninsurance plan where you can have tax free
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income when you pass. It's aninvestment plan where you work with a complete
advisor who offers institutional money managers.Chris, We talk about this all the
time with our clients, about transactionaland institutional. And every time you do
a comparison, when you do thecomparison of their accounts, they don't realize
what they do realize once you getto tell them that they have transactional advisor
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and that's all they're given. There'sno other options to make it better.
Well, think about it. Youknow, maybe it's not your fault.
It's not your advisor's fault. Maybethey just with a brokerage company or a
company financial company that offers limited options. And you know that's why we're independent.
We're not tied to anyone company.We have to do the best thing
for you, so we can goout there and get whatever we need to
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help you. If if think aboutlife insurance for a minute, if if
someone has diabetes, we can goand get a policy that with a company
who understands diabetes or high blood pressureor whatever. It is same thing with
income. If there's a company thathas guaranteed income or higher interest rates.
We can go out and shop thatto do the best thing for you.
So that's why it's so important tomeet with us. You know, at
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Magatax Advisory, we do a lotof different things. We care about our
clients. We want you to haveincome in the most tax efficient way.
We want you to enjoy your retirementwithout the worry of the volatility of the
Market's totally up to you. Pickup the phone, schedule time to meet
this eight three three Maggie Tax.Stop planning for Uncle Sam's retirement and start
planning for your retirement. As wereturn to the Maggie Tax and Financial Hour
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with your host, father and sonRobert and Chris Maggie. For additional information
on how you can create a taxfree retirement, visit Maggie Tax dot com.
That's Maggi Tax dot com or calleight one three three two two twenty
five twenty. That's eight one threethree two two twenty five twenty now your
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host for the Maggie Tax and FinancialHour, Father and son from Maggie Tax
Advisory and Financial Group, Robert andChris Maggie. Welcome back and you're listening
to the Maggie Tax and Financial Show. I am Robert Maggie and I'm here
with Chris Maggie, and today we'retalking about being able to ask for help,
because if you ask for help,then you might get some solutions to
your problems. And because avoid atransactional advisor we've just talked about that who
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just wants to sell you a productor service that you don't need. I
think that's one of the things thatwe see. So a fiduciary will recommend
the best solution for you. Andthat's what it's all about. Understand the
solutions and remember always remember it's yourmoney. Ask for help. Ask so
you can have safety and guaranteed income. Because this is what people are asking
for. You just have to askeight three to three Magi Tax. And
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stop looking in the past and stopthe excuse that we have to wait,
we have to wait. What areyou waiting for? Okay, you know
what's going to happen in two years. The Trump tax cuts are going to
expire. Do something about it now. Go to our website Maggie Tax dot
com, click on the retirement calculatorand see for yourself what's going to happen
when you have an ira that youhave to start taking money of and what
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you're going to pay in tax.So now is the time to plan and
ask the question, So again athree to three MAGI tax. So where
does it say that you have tolose money in the market, Cris,
Is that something that you've read somewhere? Because I don't know where. I
read a lot of books. Idon't see that exactly right, You don't
have to. And that's why whenyou come in to meet with us,
we'll talk about your risk tolerance.And there's red money, there's green money,
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there's yellow money. Where are youinvesting your money? And we have
clients that come in, new clientsthat come in and they're losing money and
they're frustrated and they don't know whatto do. And they said, well,
isn't everyone losing money? And theanswer is no, it is not,
because there are strategies to protect yourself. There's strategies, strategies to be
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in the market, but take advantageof the upside and not the downside.
There's ways to make money when themarket goes down. Are you open or
are you aware of these strategies?And maybe your advisor, because we're talking
about transactional advisors. They're not showingyou that. And maybe it's just not
their fault, but that's just notequipped with the right tools to help you.
And when you're about to retire andyou're in retirement, you are in
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a different phase of your life.At this point, you're in the distribution
phase of your life. You needto protect what you have. You need
to make sure you have that guaranteedincome because you know you want to wake
up ten years after you retire thinking, oh my gosh, I got to
go back to work to survive.That's why bucket planning is so important.
That's why we have to put togethera plan for you. A plan,
a complete plan. It consists ofincome planning, investment planning, what about
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tax planning? Those three rate therehave to work all together. If not,
then you have an incomplete plan.And many people come in and they
don't have a tax plan. They'repaying huge amount of taxes because their advisors
shown them the wrong way to takea distribution. Why because they don't know
what They don't know either. That'swhy it's so important to get a second
opinion. Pick up the phone,schedule time to meet with us eight three
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to three Maggie Tax. That's eightthree to three MAGI Tax. That's because
we've been taught it's okay to putmoney in the market lose, that's okay,
and it's not What should be writtenis that you should learn to ask
for help and not have that situationand don't be afraid. Don't just sit
there and do nothing. And that'snot a plan. So call us at
eight three to three MAGI tax.Be sure to visit our website, Maggie
tax dot com. We have alot of videos on there that we're talking
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about bucket planning and Medicare and socialsecurity. These are educational thirty minute maybe
twenty minute you know events there.But we're willing to sit down with you
and answer all your questions. Andhere's the thing. When you meet with
an advisor, come in with questions. Okay, you need to ask us
questions. There's no cost and noobligation because we're going to ask all of
you to tell us the truth andwhat you are worried and concerned about.
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It's not like Chris said before,it's not about this is your money,
it's not our money. So youhave to tell us what you're looking for
and we do you know a budgetsheet from a lot of people, because
a lot of people don't even knowhow to budget their money. Chris mentioned
something before about a couple that camein and they had enough for retirement,
but they just didn't know how toput the buckets together. And think about
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it. He's sixty five years old, she's sixty eight years old, and
they're worried. I think many peopleout there, Chris, are worried that
they have to keep working. Theyhave to keep working. But if you
have enough money and you start positioningwhere you mentioned a keyword before the distribution
phase, that's when they start toget that aha moment. I just accumulated
all this money, Now how doI use it in retirement for the next
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forty years of my life? Andthat's the problem. But they just don't
ask. Well, that's just it. You know, no one's showing them
that. They just say, hey, you get to a certain dollar amount
and you can retire. But that'snot true. Think about it. Say
you got to a million dollars likemany people say you should get to,
Well what if the market goes downforty percent? Now you have six hundred
thousand, so you when your valuegoes down, the amount of money you
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can access goes down as well,and then you start worrying and you start
getting very tight on how much youcan spend and what kind of retirement is
that when you've work so many yearsto put money away to do the things
that you want to do. That'swhy it's so important to do it now
if you can, but also payyourself. You need to make sure you're
paying yourself in the accumulation phase tomake sure your accounts are growing. But
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the distribution phase you can turn thesebuckets on for guaranteed income. So guess
what you're getting a paycheck in retirementor pay checks or play checks, there's
a combination. Why not have fouror five six different paychecks come in guaranteed
during your retirement. That means youcan spend the heck out of it every
month and do it all over again. How a great feeling that could be
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when you have to wake up andyou have to worry about income. Now,
what about the tax side of it? If you incorporate the two and
you also call to talk about theestate planning side, that you can keep
everything in the family. Now youhave a plan. Now you have a
complete plan and we can help eightthree to three magi tax. Pick up
the phone eight three to three magitax. And Chris just mentioned pretty much
all of it. But it's anincome plan, then ask if it's taxes,
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then ask, if it's investments,then ask, and don't think just
what you have is what you haveto keep. There's something out there that
might be better. So what isit? What is it that you need
help with? Eight three to threemagi tax. So let's meet for an
hour or even two, I don'tcare, and see how we can help
each other. What's wrong with that? Because the thing is that most of
you go to an advisor. Whenyou sit there for five or ten minutes
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or they call you on the phone, that's not an advisor, Chris.
Then we meet people all the timeand take time. We don't push them
out the door because it's not theway to do business. So you know,
you've got to make sure you doit right. And I'd like all
of you to understand there's tons ofhelp out there, but you have to
ask eight three three Maggie Techs.So when you call my office and set
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an appointment, you're going to meetwith me and Chris. We do not
pass you on to another agent.We had clients come in last week and
say, wow, we hear youon the radio and watch you on TV
and we're actually going to meet withyou. Well, who did you think
you were going to meet with?I mean, Chris. Isn't that,
you know, confusing when someone saysthat I'm not going to pass them on
to some other person. This iswhat our show is about. This is
what you and I do for theMaggie Tax Show. Well, this is
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what we do each and every day, and that's why we love do what
we do. It's a passion ofours. We enjoy helping people. You
know, it's really great when youcan tell someone that they can retire and
you can also great when you showpeople that they have buckets of money and
the market is tanked and they're okay, they didn't lose anything. It's really
nice to show people that you know, your accounts have a purpose and that
you can turn this bucket on forto combat and flame, or you can
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really show clients to turn on thisbucket for guaranteed income or to enhance their
legacy income tax free. What agreat feeling. So pick up the phone,
schedule time to meet with us eightthree three Maggie Tax. That's eight
three three Maggie. Stop planning forUncle Sam's retirement and start planning for your
retirement. As we return to theMaggie Tax and Financial Hour with your host,
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father and son Robert and Chris Maggie. For additional information on how you
can create a tax free retirement,visit Maggie Tax dot com. That's ma
gg I tax dot com or calleight one three three two two twenty five
twenty. That's eight one three threetwo two twenty five twenty. Now your
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host for the Maggie Tax and FinancialHour, Father and son from Maggie Tax
Advisory and Financial Group, Robert andChris Maggie. Hello again, and welcome
back to the Maggie Tax and FinancialShow, and thanks for joining us today.
Be sure to visit our website,Maggie Tax dot com and register for
or a free seminar we call itthree and one on estate planning, tax
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planning and Social security planning. Whybecause you need answers to questions about a
will and probate, and about taxesand retirement and also social security. So
today we've been discussing how to createa financial plan with my partner or if
you're a solo, the same thing, because you have to have answers to
your question. So one of thethings we talk about agree on a shared
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budget. Many of you do nothave a budget, and that could be
a main reason why you agree butargue rather, but this is what we
do. So a budget will makeyou agree, not argue. We've seen
it so many times because many peoplesay, well, I don't work with
a budget, Well you should,because then you can find out what discretionary
money you have. And that's whereChris and I talk about this all the
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time, what you can do withit, because maybe just need to reposition
some money from the left side tothe right side, and you know it's
a better plan. Chris, Well, let's just say you know budgeting is
important. We had met with aclient last week and they're very good on
budgeting. And when we first metthem, they had no idea where their
money was going. But they satdown, they put a simple budget together
and they know where they're spending theirmoney. That's how simple it is.
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And now in retirement, they aretaking ownership on what they can do.
So when they have all their billspaid, they can have income checks come
in and play checks come in.And a play check is just another income
stream that you will get for therest of your life, like a pension
plan pension income where you will neveroutlive your money. And these are play
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checks that they can spend each andevery month for the rest of their life.
And that's a great thing when youcan budget and then have an income
plan and a tax plan and alsoan investment plan. I mean, gosh,
what else are you going to beworried about if you have that in
place. That's why it's so important. We recommend that you meet with us.
Pick up the phone, schedule timeto meet with us. Get the
Maggie Plan. It's tax planning,income planning, investment planning, stay planning,
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soil security, maximization planning, anddon't forget. Every Sunday on ABC
TV, tune into our TV showat ten thirty AM for the meg Atax
and Financial Show. You know whatwe see is all of us work maybe
forty fifty years, and we saveand we put money away, and we
pay our bills and we go oneveryday life. But when you get to
retirement, it's the same thing.You have to have income planning, tax
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planning, social security planning, tofigure out how you're going to enjoy retirement.
So the next hurdle will be agreeingon how much of the income or
funds that should be allocated to eachgoal or budget. What's funny about that.
I'll get a spouse that wants tobuy a car, and you know,
no one wants to buy you know, some jewelry or something, and
they're arguing about it at the table. But the point is if you have
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discretionary money, then you can dowhatever you want with it. So it
may take a long time to workout the details in this step, and
may even span a couple of days'worth of discussions, because look, you're
getting ready to retire, You're goingto retire for a long time, and
you have to have it right.So the important thing is to keep working
together until you both come to amutual understanding and don't forget to set aside
a budget for emergencies. Chris.The budget where when we bring it to
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people's attention, it's almost embarrassing whenthey say we don't have one. Yeah,
and it's not a lot of work. It's very simple. When the
form that we put together for ourclients. It takes literally twenty minutes if
you sit down one night or oneday and just do it together, and
then after that let us take itfrom there. We can show you how
to get the income to take careof your budget and also on top of
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that have what my dad mentioned before, the discretionary income each month to come
in. We we can spend it, have a good time, and you
want to go buy a purse,you want to go buy a jewler,
you want to go travel on acruise, you want to go see your
kids, you want to play golf, whatever it is. You can use
those discretionary funds to keep doing itfor the rest of your life. And
that's what retirement's about. Enjoying itand making sure that the financial set making
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sure that if anything happens to you, that everything's going to pass the way
you want to, but also enjoyingyourself and not having the worry and the
anxiety that the financial aspect will bring. And that's what we talked about early
on in the show. And mostdivorces and most arguments with partners is and
in spouse and husbands is financial.And it doesn't have to be that way
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if you both are on the samepage. So, as my Dan mentioned,
the important thing is to keep workingtogether until you both come to a
mutual understanding. You know, don'tforget to set aside a budget and make
sure you meet with the right advisorwho can look at taxes, income is
stay planning and investments all together,and that's what we do at Maggie Tax
Advisory and Financial Group eight three tothree. MAGI Tax schedule time to meet
(24:25):
with us, and we call ita puzzle because there's many pieces to it,
but discuss who's going to bear whichresponsibility. So carrying out a financial
plan can be a bit much fora single person to handle alone and they
need help. So you're going toneed someone to be responsible for making the
payments and another person to keep trackof the budgeting to make sure you're on
track. Very important. You mayalso want to allocate the best speaker to
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handle communications with financial institutions should theneed arise, because basically everyone needs to
play their part from beginning to end. The thing that I see a lot
is when two people talk, noone's listening. And when you talk about
financial planning and retirement planning, youhave to listen to both sides. Because
that's what's involved. Chris and I'vebeen married to be almost fifty years,
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and your mother and I always argueabout things. That's a normal thing.
But when it comes down to barebones, we've got to come to the
final decision and say, Okay,this is what we both want and then
execute it because that's the right thingto do. Well, that's it.
So that's why meeting with the rightadvisor is so crucial, so important.
And when you're seeking an advisor,anyone can do investments. So there's the
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retail side, and there's also theinstitutional side. You want to meet with
someone who's a fiduciary and someone who'son the institutional side of investing, and
also someone who does tax planning andthe state planning. That's what we do.
That's why we call it the MaggiePlan. So that's why having a
complete plan is important. And havinga trust or a will can make the
distribution of your accounts a lot easier, the titling of your accounts, the
(25:52):
proper beneficiary designation. My gosh,there's so much there to talk about that
I guarantee you that your current advisoris not talking about. I give you
a quick example, I went tothe bank, a credit union a couple
of months ago, and I wantedto set up an account and it took
twenty minutes. We set up anaccount and I got up and they told
me, hey, mister Maggie,congratulations, welcome to the bank. And
(26:14):
I said, well, by theway, is this account going to avoid
probate and go to my wife andmy two kids? And they said is
that what you want? And Isaid, yes, that's what I want.
So we sat back down and explainedto them what I do and they
said, well, we're not trainedthat way. We're not trained to open
these accounts to make sure that they'reat a transfer the right way. And
it was very alarming when I sawthis. And this is what we see
(26:36):
each and every day. So Iguarantee you that you're listening today. If
you have a checking account, asave Me's account, an IRA A four
to one k oh four one kre'slife insurance, do you have all these
accounts set up the right way?And if not, no problem, just
pick up the phone. Schedule timeto meet with us. Let's put together
your balance sheet. Let's look ateverything for you on one piece of paper,
(26:56):
so you can make it simple andeasy for you to understand. That's
why we call it the Maggi Planeight three three Maggie Tax eight three three,
Maggie Tax. Get the Maggie Plan. Man, You hit it on
the head, good lord. That'sthe reason why we do this seminar.
But that is why having a willor a trust can make the distribution of
your accounts a lot easier. Manypeople don't see that until someone passes away.
(27:17):
So register for one of our threeand one seminars on a state planning
that we're talking about social security planningand tax planning, and let Maggie Tax
take the arguments out of your life. Have. We have regular meetings to
track your progress, and we meetwith our clients as often as necessary because
things change. Things change in manyways, you know, daily life.
You know, from day to day, things change, and it's easy to
(27:40):
lose track of financial progress, especiallywhen they consist of long term goals.
So don't be afraid. You know, we meet with our clients as often
as we need to, not justonce a year. Many clients tell us
they don't even meet with their advisor, and that's why it's up to each
partner to help the other stay oncourse, and having regular meetings, even
if it's just bi weekly or oncea month, can give you the chance
(28:00):
to reassess your situation and make anychanges if you need to in a good
way. And rather than arguing whichI don't like or dealing, you know,
dealing with punishment for veering off course, it could be more productive to
remotivate each other with reminders of howrewarding it's going to be to reach your
financial goals. And Chris, that'swhat's going to make retirement, you know,
(28:22):
comfortable for everybody. Gosh, youwork so many years every day in
the grind, you know, goingto work, driving to work, traffic,
you name it. And then youget to retirement and you should be
retired. That's it. I mean, you work hard, you put together,
you did the right thing again.Now you need to complete the right
thing. And that's what's called thedistribution phase. There's the accumulation phase in
retirement, there's also the distribution phase. And most people that's the second half
(28:47):
of the story and the second halfof the game. The distribution phase where
they mess up, and that's wheretaxes erote it making the wrong decisions,
where you take the money can erodeyour retirement and that's where you don't want
to go. So create a financialplan today. Make sure that you both
you and your spouse, or evenif you're single, it's no problem.
You need to have a plan.It's easier if you're single. But at
(29:08):
the same time, if you havea spouse, you need to make sure
that everything is on the right pathand we can help you. So pick
up the phone. Schedule time tomeet with us eight three three Maggie Tax.
That's eight three three Maggie Tax.Schedule time to meet with us at
one of our three locations, orjust schedule time to come to a seminar,
the three and one seminar Education.Get the Maggie Plan. Tax planning,
(29:30):
income planning, investment planning, socialsecurity planning, a state planning.
That's what we do. And justremember this show is about education. It
always has been. I've been doingthis for almost thirty years. And you
know, when you know and youunderstand the rules of the game in social
security and tax is a state planning, then you're going to understand what the
(29:51):
right thing to do. Just don'ttake a guess. It's not the old
thing where you just throw it atthe wall and enough sticks. It doesn't
work that way. So when wedo the three and one semin a state
planning, tax planning and social securityplanning, just think about it. Without
a will, a probate court andthe estate decide what happens to your assets
when you're gone. And many ofyou know this because you've lost a mother
(30:12):
or a father. What about yourtax bill? Your tax bill and retirement
can be too big. In thirtyseconds, we're going to show you what
your tax bill will be if youhave an IRA four oh one K,
even a TSP or any tax deferredretirement account. You're going to want to
know what your tax bill will be. Go to my website Maggie tax dot
com on the top right, clickon retirement tax bill, fill in the
(30:32):
information. Thirty seconds you're going toget a report and then pick up the
phone and give Chris and I acall and let's get together and go over
it with you. Maggie tax dotcom and our website is Maggie tax dot
com. Seminars videos retirement tax billand then the last thing about social security,
you know can be confusing with theFRA, the COLA irma. You
know what does it all mean andat Maggie Tax, Social Security and Tax
(30:56):
Seminara, we're going to cover allof this, So give us a call
A three three Maggie Tax, don'tforget watch your TV show every Sunday on
ABC TV at ten thirty, andmost importantly, register for a three and
one seminar. Go to Maggie Taxdot com the seminars, click on it
and then you can see the seminarsthey are registered. Eight three three Maggie
Tax. That's eight three three MaggieTex. Stop planning for Uncle Sam's retirement
(31:19):
and start planning for your retirement.As we return to the Maggie Tax and
Financial Hour with your host, fatherand son Robert and Chris Maggie. For
additional information on how you can createa tax free retirement, visit Maggie Tax
dot com. That's ma gg Itax dot com or call eight one three
(31:40):
three two two twenty five twenty.That's eight one three three two two twenty
five twenty. Now your host forthe Maggie Tax and Financial Hour, Father
and son from Maggie Tax Advisory andFinancial Group, Robert and Chris Maggie,
Welcome back to the Mega Tax andFinancial Show and me. Thank you so
much for tuning in today. Andyou know, as always, we enjoy
(32:00):
doing what we do. I mean, it's great when we meet with you,
my gosh, put together plans orso rewarding because we know the clients
can retire and it's great to seethat smile on their face when they know
that they're going to get income inthe most tax efficient way. What a
great feeling. So pick up thephone, schedule time to meet with us.
We have office on both sides ofthe bay to help you. Eight
(32:20):
three to three maggie tax. That'seight three to three maggie tax. Just
remember we have a very good staffthat understands how to help all of you
in any which way that we can. So we have to have a conversation
so that you can take action.I think the key there is take action.
So many people don't. They onlytalk about it and they procrastinate,
and again, stop making excuses.That is not acceptable. And if you
are all paying attention to what's happeningin this world, then that should be
(32:45):
enough to take action before you getdeeper into trouble than you are right now.
Taxes, income planning, you nameit. It's out there. The
big question to all of you iswhere are we going to get the money
to pay for the taxes and inflation? What about higher income taxes? What
about increasing property taxes? The listgoes on and on. Just remember on
December of twenty twenty five, andwe talk about it all the time,
(33:07):
the Trump tax cuts, they're goingto go back to what it was.
So on January of twenty twenty six, everyone's going to be paying a higher
tax. And how many of youknow that. We've been talking about that,
Chrisphy years and it's getting closer andcloser. And again, when we
offer the retirement Calculator on our website, it's because, folks, you need
to see this. We get millionaireclients coming in and looking at it and
(33:29):
going like, I didn't think Ihad to pay that much tax? Well,
what did you think? It wasfree money? They have a mortgage
to Uncle Sam, right, absolutely. You know. We had a client
last week has a two point twomillion dollar IRA and guess what you know
he says, oh my gosh,I got two point two million. It
doesn't matter what you have. Guesswhat after taxes, you don't have two
point two You had a big account. That's infected with tax What are you
doing about it? And he satback and he said, well, that's
(33:51):
why I'm here. He said,what can I do about it? So
we talked about his other positions,and we talked about his other accounts,
and he had the ability to gooffset using a tax deduction strategy where he
can have guarantee and income coming in, he can create a big tax deduction
and he can avoid the capital gainstax. And he said, oh my
god, no one's ever showed methis. And he said, well why,
(34:13):
he asked me, Why hasn't myadvisor shown me? I said,
it's pretty simple. The current advisorthat you're with right now, all they
want to do is just manage yourmoney. That's it. They're not talking
about your taxes. They don't care. They're not talking about the way your
accounts are going to transfer. Theydon't care. They're not looking for your
income best purposes, they don't care. They just want to manage your money.
(34:34):
Is that you out there listening today. If it is, then you
have an incomplete plan. You justhave an investment plan. But there's so
much more to that, especially nowwhen you're talking about taxes. We do
tax planning we do income planning,we do investment planning. If you have
a brokerage account, let's analyze that. Let's see how it's incorporating with the
taxes. Is your advisors, yourbroker causing you to pay necessary taxes?
(34:55):
Maybe you don't see it until taxtime, but is your DPA really showing
you that as well? So letus dissect what you got. Let's get
a second opinion. Let's show youeight three to three magi tacks. Bring
your stuff in, Let's have aconversation. Let's tell you, tell us
what's on your mind, what wewant to hear it so we can help
you eight three to three magi taxAnd the big question is are you going
(35:16):
to wait and get hit? Youknow with that issue, it's going to
affect everyone listening today, whether itbe income or taxes or investments. You
know, I don't care who's rightor wrong. What we care about is
where are they going to get themoney from? And who will pay for
all of this? And the answeris all of us. So do you
have a plan? Just ask andwe can go on and on, but
(35:37):
that's not the point. Complaining isnot a plan. Procrastination is not a
plan, And just saying no isnot a plan. And this is what
people are doing out there, Chris, They just afraid. That's what this
whole show is about. Ask forhelp. That's how you solve these concerns.
Get some help, and remember,just ask for help. Eight three
to three, Maggie. Tax.Do you know what the answer is to
(35:59):
all of this is? If theydo not have enough money to pay the
tax, then the answer is simple, Well, they do just print more
money and that's what's going to happen, and which creates stealth taxes, and
that's going to reduce the purchasing power. And guess what. This is going
to make it more difficult for youto live because again it's going to affect
the dollar. So what are wedoing. That's why it's so important to
(36:20):
put together a plan. I can'tstress this enough because people who have plans
succeed more. They're gonna take advantageof the opportunities. They're gonna take advantage
if the market goes down this bigvolatility. When you want to be on
the other side of this, whenyou want to be on the positive side.
It says, instead of saying,oh my gosh, Ei, there's
down twenty or thirty forty percent likenine to eleven times, or the housing
market times or COVID times. Right, these are things that you can avoid
(36:44):
if you have a plan, ifyou work with an advisor that understands concepts
and the distribution phase of your life. What about the taxes, My gosh,
I can't stress this enough. Peopleare going to pay more in taxes.
They're going to come after the peoplewho have money. If you have
iras and four to oh one k'sand TSP, if you are federal employees,
(37:05):
guess what they know how much moneyyou have. It's infected with taxes.
It's very simple. They can increasethe tax rate and when they do
that one point two percentage points fivepercentage points, that means Uncle Sam gets
paid first. You lose your value. Don't let happen to you. If
you have abilities to go ahead andput together plans to help you, pick
(37:25):
up the phone, schedule time tomeet with us. We look forward to
helping you get the Maggi Plan eightthree to three Maggie tax and one more
thing, don't forget. Go toour website, go to seminars and register
for one of our seminars that wedo on a state planning and social security
and tax planning. We'll probably theonly one doing a three to one event.
But here's why, because those threetopics are very important to each and
(37:46):
every one of you out there insome way, shape or form. People
are concerned about social security. Peopledon't know when to take social security.
People don't know how it's tax andwhat the amount is going to be taxed
in the future. And that iswhy it's so important to ask for help,
because these are questions that we're gettingasked everyday. Income planning, tax
planning, social security, wills andtrust, and how to take care of
(38:07):
your family. Visit our website MaggieTax dot com, click on seminars,
click on retirement calculator. All theinformation is there. Be sure to watch
our TV show every Sunday on ABCat ten thirty and then following the show,
we're back on the radio again withthe Maggie Tax and Financial Show.
Folks, it's about education. Chrisand I've been doing this for a long
time. It's up to you.If you have questions, please don't be
(38:30):
afraid to ask write them down.That's why we do this show. So
throughout the show, right out aquestion or give us a call. We
have operated standing by right now.Eight three to three Maggie Tax. We
have offices in Palm Harbor, inLoots and also Saint Pete. So give
us a call, ask questions.Eight three to three Maggie Tax again,
eight three to three Maggie Tax.And you're listening to the Maggie Tax and
Financial Show. You've been listening tothe Maggie Tax on Financial Hour discussing tax
(38:53):
planning investment strategies presented by Robert andChris Maggie from Maggie Tax Advisory and Financial
Services with offices in Hillsborough and PinellasCounty. Visit Maggie Tax dot com or
call eight one three three two twotwenty five twenty. That's eight one three
three two two twenty five twenty andtune in next Saturday at five for the
(39:15):
Magi 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 earned 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,
(00:33):
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 Finance Angelauer
(01:00):
on nine to seventy WFLA. Robertand Chris Maggie, Welcome everyone, and
thanks for joining us today. Myname is Robert Maggie and I'm here with
Chris Maggie, and thanks for joiningus today on the Maggie Tax and Financial
Show. Be sure to visit ourwebsite, Maggie Tax dot com and don't
forget Every Sunday at ten thirty onABC TV, tune into the Maggie Tax
and Financial Show. So, Chris, we have a lot we want to
(01:22):
talk about. Taxes, we wantto talk about are what we do with
the Maggie Plan. So let's getstarted and see what we got today.
Welcome everyone, and thank you somuch for tuning into our show. And
how many of you out there arejust afraid to ask for help? You
know, we're all human and weget to that point sometimes in our life
that we are afraid to ask forhelp. But maybe you are afraid to
ask. It might seem stupid toask those questions, but really, what's
(01:44):
on your mind? Many people outthere are worried about their retirement. They
worried about the market volatility, theword about running out of money, the
word about well when what do Ido with Medicare and social security planning?
But you know, maybe you didn'twant to impose on people because you were
afraid to ask for help. AndI are like that. You know,
my brother is like that. Youknow, maybe you're that way. We're
just human, as I mentioned before, But sometimes it takes many years until
(02:06):
you reach a point that you arein so much trouble that you must ask
for help. And many people outthere are going through retirement and they really
just don't see the positive focus onwhat their retirement's going to look like because
they have those fears and they're uncertain. And you don't have to be that
way if you do the proper planning, you know, and there's absolutely nothing
(02:28):
wrong with that, because you're humanand we see people every day that need
our help, but we're afraid toask. Many of you listening right now
need our help, and you haveto ask a question. What's on your
mind? You know, what's theelephant in the room. Are you worried
that in twenty twenty five, theTrump tax cuts are going to expire.
We talk about that every week onour show, and it's starting to resonate
with people because it's going to happen. Are you afraid to ask for help?
(02:52):
Or will you just wait until youget hit with a huge tax time
bomb? And Chris, with thatsaid, we've had many people coming in
and they're starting to realize that inanother in twenty twenty five, what's going
to happen? To the taxes it'sgoing to go up. So you know,
we have the retirement tax calculated tohelp all of them, and in
thirty seconds we can show you whatyour tax bill will be in retirement.
(03:13):
Just ask for help. It's thatsimple. And here's an example that we're
talking about. Sometimes you get inso much trouble you will have to ask
for help, and it's never toolate. And that's why I pick up
the phone, schedule time to meetwith us eight three three Maggie Tax and
our website, Maggie tax dot comhas so much information right there at your
fingertips and we can help you.If you're looking for income planning, we
can help. If you look ata tax planning, we can help.
(03:36):
We had a client that came inlast week talked about roth conversions and if
they should convert their iras to roths. They said, well, I hear
a lot about it. Is thatgood for me? And I explained to
them that in their particular situation,it wasn't the right move. But I
had a client that came in lateron that day and guess what it fit
them to the t It was aperfect opportunity, and I showed them ways
(03:57):
to create a tax deduction so theycan offset some coming out of the IRA
and pay the least amount tax aspossible. So you know, these people
are asking for help, they needit, and we can help. Pick
up the phone, schedule time tomeet with us. Eight three three Maggie,
tax A simple way. We haveseminars on a state planning, social
security and tax planning. And everytime we do these seminars, people say,
well, no, I know aboutthat. But when we start the
(04:19):
seminar we start talking about wills andtrusts and we talk about social security and
tax planning, it starts to resonatewhat people say, now, I need
help. So we also talk aboutbucket planning and so much more. And
bucket planning, Chris is a bigthing right now because of what we do
with clients. You mentioned it before, had to position their money for income
planning, for tax planning and growthbecause so many people and I know the
(04:42):
other day we had a client comein. They're so used to the old
way that they have to keep theiraccounts there and that's not true. The
complaint that she had is that,well, there's no tax planning and there's
no you know, income planning,and what do I do and what do
you do is sit down and dosome bucket planning. Wells, it's exactly
it. I mean, every accountthat you have with us has a purpose,
whether it's for safety, whether it'sfor growth, whether it's the combat
(05:03):
inflation in the future, whether it'sa paycheck that you need, or whether
it's a play check. Playcheck isjust extra income coming in the front door
that you can play with. Youcan spend the heck out of it and
do it all over the next thirtydays, so for the forever and in
your life. So these are incomestreams that can come in and that's why
we do bucket planning. Why notspend down one of those buckets, but
(05:25):
the other bucket goes right back upto where you started. So really you're
living off of interest. How coolis that? So pick up the phone,
schedule time to meet with us.If you're looking for an investment plan,
we can help. If you're lookingfor an income plan, we can
help. If you're looking for atax plan, we can help. If
you can want to put all thosethree together, so you have income in
the most tax efficient way, andyou have accounts that are growing with safety
(05:46):
and growth. If that's what youwant, we can help, So pick
up that phone, give us acall. Eight three three Maggie Tax.
Well we make it sound so simple, but the bottom line is all you
have to do is just ask.So why are we making such a big
deal of asking for help? Becauseeventually all of us have to make changes
and ask for help. Something's goingto happen where you definitely need to make
(06:08):
help. We take an holistic approach. So what does that mean? We're
a complete advisor? And what theheck does that mean? We are a
fiduciary? So what does that mean? And why are we making a big
deal of this today? Why?Because if you do not ask for help,
then you have nothing to complain about. And why are you listening to
the Maggie Tax and Financial Show.I hope you're looking to get something out
(06:30):
of it. Why because you needhelp, You need professional help, and
we can help. Just ask eightthree to three Maggie Tax, and ask
now before taxes go up, andask now before your benefits get cut.
These are the complaints that we're hearing. All of you can probably share the
same thing. Ask for help nowif you think you will not have enough
to retire, So ask now whywe talk about bucket planning and why we
(06:53):
discuss safe options. Ask now forhelp, So sit down with us,
have a conversation. Eight three tothree Maggie Tex. Because doing nothing is
not a plan, absolutely, andyou know doing something can save you from
worrying about these things that you can'tcontrol. So pick up the phone,
schedule a time to meet with us. Eight three to three Maggie Tax.
That's eight three to three Maggie Tax. And we're hoping that you listen to
(07:15):
our show because you want a betterplan than what you have now, and
you have to start thinking about that. Many people are complaining about things and
they want to hide behind the doorand wait for something to happen. Please
don't do that. We take educationvery seriously because the more that you know,
meaning know, the more you knownow, then you can make a
better decision. And we want youto be ahead of the game so you
(07:39):
can enjoy retirement and have control overwhat happens in your life. How many
of you would like that, Justgive us a call. It's real simple,
eight three to three Magi Tax andlet's discuss the Maggie Plan. Simple
and easy to understand. And that'sso exactly what the Maggie plans about.
It's income planning. It's a taxplan. It's guaranteed income planning for life.
(07:59):
It's, as I mentioned, atax plan so you can avoid the
unnecessary higher taxes that are coming toall of you. It's coming, it's
coming. Do something now so youcould take advantage of the opportunities that will
be there for you, as opposedto saying, oh my gosh, I'm
part of everyone, or everyone lostmoney, or everyone's paying more in tax,
or everyone doesn't have income. No, that's not the case. Do
(08:20):
the planning now so you can havea plan. You know, it's an
insurance plan. You know, it'sa tax free retirement plan. That's what
the Maggie plans about. It's bucketplanning. It's looking from a complete angle.
Think about looking through glasses from adifferent lens. You know, you
might be looking at retirement right now. I got to get to a certain
amount and then I can retire.Well, that might not be the case.
(08:43):
There might be some other strategies thatyou already have enough money. We
had a client, two clients lastweek that came in and the first thing
when we met with them, theysaid I have to keep working because I
have to get to a certain number. And we stopped and we looked at
their social Security, we looked attheir income. We asked them how much
they need per month and get uswhat the amount of money they had.
They just didn't know what to dowith it. So we created bucket planning
(09:05):
and we showed them that you turnthis bucket on, you let these grow.
This will give you the guaranteed incomeon the most tax efficient way,
and guess what they can retire forlife. And they sat back and they
said, what about inflation, Well, those are the other two buckets that
are growing. So when inflation doeshappen worse than it is now, then
you could turn on for guaranteed incomefor more income. And they said,
oh my gosh, we never wereshown this before. You know our advisor
(09:28):
who is currently looking at their accounts. All they do is buy and sell
and that's not what they're looking for. They want a plan. They deserve
a plan. You do too,So pick up the phone, schedule time
they meet with us. Eight threeto three mag Attacks. We have offices
on both sides of the Bay.Maggi tax dot Com eight three to three
Magi tax. Just remember it's aninsurance plan where you can have tax free
(09:50):
income when you pass. It's aninvestment plan where you work with a complete
advisor who offers institutional money managers.Chris, We talk about this all the
time with our clients, about transactionaland institutional. And every time you do
a comparison, when you do thecomparison of their accounts, they don't realize
what they do realize once you getto tell them that they have transactional advisor
(10:11):
and that's all they're given. There'sno other options to make it better.
Well, think about it. Youknow, maybe it's not your fault.
It's not your advisor's fault. Maybethey just with a brokerage company or a
company financial company that offers limited options. And you know that's why we're independent.
We're not tied to anyone company.We have to do the best thing
for you, so we can goout there and get whatever we need to
(10:31):
help you. If if think aboutlife insurance for a minute, if if
someone has diabetes, we can goand get a policy that with a company
who understands diabetes or high blood pressureor whatever. It is same thing with
income. If there's a company thathas guaranteed income or higher interest rates.
We can go out and shop thatto do the best thing for you.
So that's why it's so important tomeet with us. You know, at
(10:52):
Magatax Advisory, we do a lotof different things. We care about our
clients. We want you to haveincome in the most tax efficient way.
We want you to enjoy your retirementwithout the worry of the volatility of the
Market's totally up to you. Pickup the phone, schedule time to meet
this eight three three Maggie Tax.Stop planning for Uncle Sam's retirement and start
planning for your retirement. As wereturn to the Maggie Tax and Financial Hour
(11:16):
with your host, father and sonRobert and Chris Maggie. For additional information
on how you can create a taxfree retirement, visit Maggie Tax dot com.
That's Maggi Tax dot com or calleight one three three two two twenty
five twenty. That's eight one threethree two two twenty five twenty now your
(11:39):
host for the Maggie Tax and FinancialHour, Father and son from Maggie Tax
Advisory and Financial Group, Robert andChris Maggie. Welcome back and you're listening
to the Maggie Tax and Financial Show. I am Robert Maggie and I'm here
with Chris Maggie, and today we'retalking about being able to ask for help,
because if you ask for help,then you might get some solutions to
your problems. And because avoid atransactional advisor we've just talked about that who
(12:03):
just wants to sell you a productor service that you don't need. I
think that's one of the things thatwe see. So a fiduciary will recommend
the best solution for you. Andthat's what it's all about. Understand the
solutions and remember always remember it's yourmoney. Ask for help. Ask so
you can have safety and guaranteed income. Because this is what people are asking
for. You just have to askeight three to three Magi Tax. And
(12:24):
stop looking in the past and stopthe excuse that we have to wait,
we have to wait. What areyou waiting for? Okay, you know
what's going to happen in two years. The Trump tax cuts are going to
expire. Do something about it now. Go to our website Maggie Tax dot
com, click on the retirement calculatorand see for yourself what's going to happen
when you have an ira that youhave to start taking money of and what
(12:46):
you're going to pay in tax.So now is the time to plan and
ask the question, So again athree to three MAGI tax. So where
does it say that you have tolose money in the market, Cris,
Is that something that you've read somewhere? Because I don't know where. I
read a lot of books. Idon't see that exactly right, You don't
have to. And that's why whenyou come in to meet with us,
we'll talk about your risk tolerance.And there's red money, there's green money,
(13:07):
there's yellow money. Where are youinvesting your money? And we have
clients that come in, new clientsthat come in and they're losing money and
they're frustrated and they don't know whatto do. And they said, well,
isn't everyone losing money? And theanswer is no, it is not,
because there are strategies to protect yourself. There's strategies, strategies to be
(13:28):
in the market, but take advantageof the upside and not the downside.
There's ways to make money when themarket goes down. Are you open or
are you aware of these strategies?And maybe your advisor, because we're talking
about transactional advisors. They're not showingyou that. And maybe it's just not
their fault, but that's just notequipped with the right tools to help you.
And when you're about to retire andyou're in retirement, you are in
(13:50):
a different phase of your life.At this point, you're in the distribution
phase of your life. You needto protect what you have. You need
to make sure you have that guaranteedincome because you know you want to wake
up ten years after you retire thinking, oh my gosh, I got to
go back to work to survive.That's why bucket planning is so important.
That's why we have to put togethera plan for you. A plan,
a complete plan. It consists ofincome planning, investment planning, what about
(14:13):
tax planning? Those three rate therehave to work all together. If not,
then you have an incomplete plan.And many people come in and they
don't have a tax plan. They'repaying huge amount of taxes because their advisors
shown them the wrong way to takea distribution. Why because they don't know
what They don't know either. That'swhy it's so important to get a second
opinion. Pick up the phone,schedule time to meet with us eight three
(14:35):
to three Maggie Tax. That's eightthree to three MAGI Tax. That's because
we've been taught it's okay to putmoney in the market lose, that's okay,
and it's not What should be writtenis that you should learn to ask
for help and not have that situationand don't be afraid. Don't just sit
there and do nothing. And that'snot a plan. So call us at
eight three to three MAGI tax.Be sure to visit our website, Maggie
tax dot com. We have alot of videos on there that we're talking
(14:58):
about bucket planning and Medicare and socialsecurity. These are educational thirty minute maybe
twenty minute you know events there.But we're willing to sit down with you
and answer all your questions. Andhere's the thing. When you meet with
an advisor, come in with questions. Okay, you need to ask us
questions. There's no cost and noobligation because we're going to ask all of
you to tell us the truth andwhat you are worried and concerned about.
(15:22):
It's not like Chris said before,it's not about this is your money,
it's not our money. So youhave to tell us what you're looking for
and we do you know a budgetsheet from a lot of people, because
a lot of people don't even knowhow to budget their money. Chris mentioned
something before about a couple that camein and they had enough for retirement,
but they just didn't know how toput the buckets together. And think about
(15:43):
it. He's sixty five years old, she's sixty eight years old, and
they're worried. I think many peopleout there, Chris, are worried that
they have to keep working. Theyhave to keep working. But if you
have enough money and you start positioningwhere you mentioned a keyword before the distribution
phase, that's when they start toget that aha moment. I just accumulated
all this money, Now how doI use it in retirement for the next
(16:03):
forty years of my life? Andthat's the problem. But they just don't
ask. Well, that's just it. You know, no one's showing them
that. They just say, hey, you get to a certain dollar amount
and you can retire. But that'snot true. Think about it. Say
you got to a million dollars likemany people say you should get to,
Well what if the market goes downforty percent? Now you have six hundred
thousand, so you when your valuegoes down, the amount of money you
(16:25):
can access goes down as well,and then you start worrying and you start
getting very tight on how much youcan spend and what kind of retirement is
that when you've work so many yearsto put money away to do the things
that you want to do. That'swhy it's so important to do it now
if you can, but also payyourself. You need to make sure you're
paying yourself in the accumulation phase tomake sure your accounts are growing. But
(16:48):
the distribution phase you can turn thesebuckets on for guaranteed income. So guess
what you're getting a paycheck in retirementor pay checks or play checks, there's
a combination. Why not have fouror five six different paychecks come in guaranteed
during your retirement. That means youcan spend the heck out of it every
month and do it all over again. How a great feeling that could be
(17:11):
when you have to wake up andyou have to worry about income. Now,
what about the tax side of it? If you incorporate the two and
you also call to talk about theestate planning side, that you can keep
everything in the family. Now youhave a plan. Now you have a
complete plan and we can help eightthree to three magi tax. Pick up
the phone eight three to three magitax. And Chris just mentioned pretty much
all of it. But it's anincome plan, then ask if it's taxes,
(17:33):
then ask, if it's investments,then ask, and don't think just
what you have is what you haveto keep. There's something out there that
might be better. So what isit? What is it that you need
help with? Eight three to threemagi tax. So let's meet for an
hour or even two, I don'tcare, and see how we can help
each other. What's wrong with that? Because the thing is that most of
you go to an advisor. Whenyou sit there for five or ten minutes
(17:53):
or they call you on the phone, that's not an advisor, Chris.
Then we meet people all the timeand take time. We don't push them
out the door because it's not theway to do business. So you know,
you've got to make sure you doit right. And I'd like all
of you to understand there's tons ofhelp out there, but you have to
ask eight three three Maggie Techs.So when you call my office and set
(18:15):
an appointment, you're going to meetwith me and Chris. We do not
pass you on to another agent.We had clients come in last week and
say, wow, we hear youon the radio and watch you on TV
and we're actually going to meet withyou. Well, who did you think
you were going to meet with?I mean, Chris. Isn't that,
you know, confusing when someone saysthat I'm not going to pass them on
to some other person. This iswhat our show is about. This is
what you and I do for theMaggie Tax Show. Well, this is
(18:37):
what we do each and every day, and that's why we love do what
we do. It's a passion ofours. We enjoy helping people. You
know, it's really great when youcan tell someone that they can retire and
you can also great when you showpeople that they have buckets of money and
the market is tanked and they're okay, they didn't lose anything. It's really
nice to show people that you know, your accounts have a purpose and that
you can turn this bucket on forto combat and flame, or you can
(19:00):
really show clients to turn on thisbucket for guaranteed income or to enhance their
legacy income tax free. What agreat feeling. So pick up the phone,
schedule time to meet with us eightthree three Maggie Tax. That's eight
three three Maggie. Stop planning forUncle Sam's retirement and start planning for your
retirement. As we return to theMaggie Tax and Financial Hour with your host,
(19:21):
father and son Robert and Chris Maggie. For additional information on how you
can create a tax free retirement,visit Maggie Tax dot com. That's ma
gg I tax dot com or calleight one three three two two twenty five
twenty. That's eight one three threetwo two twenty five twenty. Now your
(19:42):
host for the Maggie Tax and FinancialHour, Father and son from Maggie Tax
Advisory and Financial Group, Robert andChris Maggie. Hello again, and welcome
back to the Maggie Tax and FinancialShow, and thanks for joining us today.
Be sure to visit our website,Maggie Tax dot com and register for
or a free seminar we call itthree and one on estate planning, tax
(20:03):
planning and Social security planning. Whybecause you need answers to questions about a
will and probate, and about taxesand retirement and also social security. So
today we've been discussing how to createa financial plan with my partner or if
you're a solo, the same thing, because you have to have answers to
your question. So one of thethings we talk about agree on a shared
(20:23):
budget. Many of you do nothave a budget, and that could be
a main reason why you agree butargue rather, but this is what we
do. So a budget will makeyou agree, not argue. We've seen
it so many times because many peoplesay, well, I don't work with
a budget, Well you should,because then you can find out what discretionary
money you have. And that's whereChris and I talk about this all the
(20:45):
time, what you can do withit, because maybe just need to reposition
some money from the left side tothe right side, and you know it's
a better plan. Chris, Well, let's just say you know budgeting is
important. We had met with aclient last week and they're very good on
budgeting. And when we first metthem, they had no idea where their
money was going. But they satdown, they put a simple budget together
and they know where they're spending theirmoney. That's how simple it is.
(21:07):
And now in retirement, they aretaking ownership on what they can do.
So when they have all their billspaid, they can have income checks come
in and play checks come in.And a play check is just another income
stream that you will get for therest of your life, like a pension
plan pension income where you will neveroutlive your money. And these are play
(21:30):
checks that they can spend each andevery month for the rest of their life.
And that's a great thing when youcan budget and then have an income
plan and a tax plan and alsoan investment plan. I mean, gosh,
what else are you going to beworried about if you have that in
place. That's why it's so important. We recommend that you meet with us.
Pick up the phone, schedule timeto meet with us. Get the
Maggie Plan. It's tax planning,income planning, investment planning, stay planning,
(21:53):
soil security, maximization planning, anddon't forget. Every Sunday on ABC
TV, tune into our TV showat ten thirty AM for the meg Atax
and Financial Show. You know whatwe see is all of us work maybe
forty fifty years, and we saveand we put money away, and we
pay our bills and we go oneveryday life. But when you get to
retirement, it's the same thing.You have to have income planning, tax
(22:15):
planning, social security planning, tofigure out how you're going to enjoy retirement.
So the next hurdle will be agreeingon how much of the income or
funds that should be allocated to eachgoal or budget. What's funny about that.
I'll get a spouse that wants tobuy a car, and you know,
no one wants to buy you know, some jewelry or something, and
they're arguing about it at the table. But the point is if you have
(22:36):
discretionary money, then you can dowhatever you want with it. So it
may take a long time to workout the details in this step, and
may even span a couple of days'worth of discussions, because look, you're
getting ready to retire, You're goingto retire for a long time, and
you have to have it right.So the important thing is to keep working
together until you both come to amutual understanding and don't forget to set aside
a budget for emergencies. Chris.The budget where when we bring it to
(23:00):
people's attention, it's almost embarrassing whenthey say we don't have one. Yeah,
and it's not a lot of work. It's very simple. When the
form that we put together for ourclients. It takes literally twenty minutes if
you sit down one night or oneday and just do it together, and
then after that let us take itfrom there. We can show you how
to get the income to take careof your budget and also on top of
(23:21):
that have what my dad mentioned before, the discretionary income each month to come
in. We we can spend it, have a good time, and you
want to go buy a purse,you want to go buy a jewler,
you want to go travel on acruise, you want to go see your
kids, you want to play golf, whatever it is. You can use
those discretionary funds to keep doing itfor the rest of your life. And
that's what retirement's about. Enjoying itand making sure that the financial set making
(23:41):
sure that if anything happens to you, that everything's going to pass the way
you want to, but also enjoyingyourself and not having the worry and the
anxiety that the financial aspect will bring. And that's what we talked about early
on in the show. And mostdivorces and most arguments with partners is and
in spouse and husbands is financial.And it doesn't have to be that way
(24:03):
if you both are on the samepage. So, as my Dan mentioned,
the important thing is to keep workingtogether until you both come to a
mutual understanding. You know, don'tforget to set aside a budget and make
sure you meet with the right advisorwho can look at taxes, income is
stay planning and investments all together,and that's what we do at Maggie Tax
Advisory and Financial Group eight three tothree. MAGI Tax schedule time to meet
(24:25):
with us, and we call ita puzzle because there's many pieces to it,
but discuss who's going to bear whichresponsibility. So carrying out a financial
plan can be a bit much fora single person to handle alone and they
need help. So you're going toneed someone to be responsible for making the
payments and another person to keep trackof the budgeting to make sure you're on
track. Very important. You mayalso want to allocate the best speaker to
(24:47):
handle communications with financial institutions should theneed arise, because basically everyone needs to
play their part from beginning to end. The thing that I see a lot
is when two people talk, noone's listening. And when you talk about
financial planning and retirement planning, youhave to listen to both sides. Because
that's what's involved. Chris and I'vebeen married to be almost fifty years,
(25:08):
and your mother and I always argueabout things. That's a normal thing.
But when it comes down to barebones, we've got to come to the
final decision and say, Okay,this is what we both want and then
execute it because that's the right thingto do. Well, that's it.
So that's why meeting with the rightadvisor is so crucial, so important.
And when you're seeking an advisor,anyone can do investments. So there's the
(25:29):
retail side, and there's also theinstitutional side. You want to meet with
someone who's a fiduciary and someone who'son the institutional side of investing, and
also someone who does tax planning andthe state planning. That's what we do.
That's why we call it the MaggiePlan. So that's why having a
complete plan is important. And havinga trust or a will can make the
distribution of your accounts a lot easier, the titling of your accounts, the
(25:52):
proper beneficiary designation. My gosh,there's so much there to talk about that
I guarantee you that your current advisoris not talking about. I give you
a quick example, I went tothe bank, a credit union a couple
of months ago, and I wantedto set up an account and it took
twenty minutes. We set up anaccount and I got up and they told
me, hey, mister Maggie,congratulations, welcome to the bank. And
(26:14):
I said, well, by theway, is this account going to avoid
probate and go to my wife andmy two kids? And they said is
that what you want? And Isaid, yes, that's what I want.
So we sat back down and explainedto them what I do and they
said, well, we're not trainedthat way. We're not trained to open
these accounts to make sure that they'reat a transfer the right way. And
it was very alarming when I sawthis. And this is what we see
(26:36):
each and every day. So Iguarantee you that you're listening today. If
you have a checking account, asave Me's account, an IRA A four
to one k oh four one kre'slife insurance, do you have all these
accounts set up the right way?And if not, no problem, just
pick up the phone. Schedule timeto meet with us. Let's put together
your balance sheet. Let's look ateverything for you on one piece of paper,
(26:56):
so you can make it simple andeasy for you to understand. That's
why we call it the Maggi Planeight three three Maggie Tax eight three three,
Maggie Tax. Get the Maggie Plan. Man, You hit it on
the head, good lord. That'sthe reason why we do this seminar.
But that is why having a willor a trust can make the distribution of
your accounts a lot easier. Manypeople don't see that until someone passes away.
(27:17):
So register for one of our threeand one seminars on a state planning
that we're talking about social security planningand tax planning, and let Maggie Tax
take the arguments out of your life. Have. We have regular meetings to
track your progress, and we meetwith our clients as often as necessary because
things change. Things change in manyways, you know, daily life.
You know, from day to day, things change, and it's easy to
(27:40):
lose track of financial progress, especiallywhen they consist of long term goals.
So don't be afraid. You know, we meet with our clients as often
as we need to, not justonce a year. Many clients tell us
they don't even meet with their advisor, and that's why it's up to each
partner to help the other stay oncourse, and having regular meetings, even
if it's just bi weekly or oncea month, can give you the chance
(28:00):
to reassess your situation and make anychanges if you need to in a good
way. And rather than arguing whichI don't like or dealing, you know,
dealing with punishment for veering off course, it could be more productive to
remotivate each other with reminders of howrewarding it's going to be to reach your
financial goals. And Chris, that'swhat's going to make retirement, you know,
(28:22):
comfortable for everybody. Gosh, youwork so many years every day in
the grind, you know, goingto work, driving to work, traffic,
you name it. And then youget to retirement and you should be
retired. That's it. I mean, you work hard, you put together,
you did the right thing again.Now you need to complete the right
thing. And that's what's called thedistribution phase. There's the accumulation phase in
retirement, there's also the distribution phase. And most people that's the second half
(28:47):
of the story and the second halfof the game. The distribution phase where
they mess up, and that's wheretaxes erote it making the wrong decisions,
where you take the money can erodeyour retirement and that's where you don't want
to go. So create a financialplan today. Make sure that you both
you and your spouse, or evenif you're single, it's no problem.
You need to have a plan.It's easier if you're single. But at
(29:08):
the same time, if you havea spouse, you need to make sure
that everything is on the right pathand we can help you. So pick
up the phone. Schedule time tomeet with us eight three three Maggie Tax.
That's eight three three Maggie Tax.Schedule time to meet with us at
one of our three locations, orjust schedule time to come to a seminar,
the three and one seminar Education.Get the Maggie Plan. Tax planning,
(29:30):
income planning, investment planning, socialsecurity planning, a state planning.
That's what we do. And justremember this show is about education. It
always has been. I've been doingthis for almost thirty years. And you
know, when you know and youunderstand the rules of the game in social
security and tax is a state planning, then you're going to understand what the
(29:51):
right thing to do. Just don'ttake a guess. It's not the old
thing where you just throw it atthe wall and enough sticks. It doesn't
work that way. So when wedo the three and one semin a state
planning, tax planning and social securityplanning, just think about it. Without
a will, a probate court andthe estate decide what happens to your assets
when you're gone. And many ofyou know this because you've lost a mother
(30:12):
or a father. What about yourtax bill? Your tax bill and retirement
can be too big. In thirtyseconds, we're going to show you what
your tax bill will be if youhave an IRA four oh one K,
even a TSP or any tax deferredretirement account. You're going to want to
know what your tax bill will be. Go to my website Maggie tax dot
com on the top right, clickon retirement tax bill, fill in the
(30:32):
information. Thirty seconds you're going toget a report and then pick up the
phone and give Chris and I acall and let's get together and go over
it with you. Maggie tax dotcom and our website is Maggie tax dot
com. Seminars videos retirement tax billand then the last thing about social security,
you know can be confusing with theFRA, the COLA irma. You
know what does it all mean andat Maggie Tax, Social Security and Tax
(30:56):
Seminara, we're going to cover allof this, So give us a call
A three three Maggie Tax, don'tforget watch your TV show every Sunday on
ABC TV at ten thirty, andmost importantly, register for a three and
one seminar. Go to Maggie Taxdot com the seminars, click on it
and then you can see the seminarsthey are registered. Eight three three Maggie
Tax. That's eight three three MaggieTex. Stop planning for Uncle Sam's retirement
(31:19):
and start planning for your retirement.As we return to the Maggie Tax and
Financial Hour with your host, fatherand son Robert and Chris Maggie. For
additional information on how you can createa tax free retirement, visit Maggie Tax
dot com. That's ma gg Itax dot com or call eight one three
(31:40):
three two two twenty five twenty.That's eight one three three two two twenty
five twenty. Now your host forthe Maggie Tax and Financial Hour, Father
and son from Maggie Tax Advisory andFinancial Group, Robert and Chris Maggie,
Welcome back to the Mega Tax andFinancial Show and me. Thank you so
much for tuning in today. Andyou know, as always, we enjoy
(32:00):
doing what we do. I mean, it's great when we meet with you,
my gosh, put together plans orso rewarding because we know the clients
can retire and it's great to seethat smile on their face when they know
that they're going to get income inthe most tax efficient way. What a
great feeling. So pick up thephone, schedule time to meet with us.
We have office on both sides ofthe bay to help you. Eight
(32:20):
three to three maggie tax. That'seight three to three maggie tax. Just
remember we have a very good staffthat understands how to help all of you
in any which way that we can. So we have to have a conversation
so that you can take action.I think the key there is take action.
So many people don't. They onlytalk about it and they procrastinate,
and again, stop making excuses.That is not acceptable. And if you
are all paying attention to what's happeningin this world, then that should be
(32:45):
enough to take action before you getdeeper into trouble than you are right now.
Taxes, income planning, you nameit. It's out there. The
big question to all of you iswhere are we going to get the money
to pay for the taxes and inflation? What about higher income taxes? What
about increasing property taxes? The listgoes on and on. Just remember on
December of twenty twenty five, andwe talk about it all the time,
(33:07):
the Trump tax cuts, they're goingto go back to what it was.
So on January of twenty twenty six, everyone's going to be paying a higher
tax. And how many of youknow that. We've been talking about that,
Chrisphy years and it's getting closer andcloser. And again, when we
offer the retirement Calculator on our website, it's because, folks, you need
to see this. We get millionaireclients coming in and looking at it and
(33:29):
going like, I didn't think Ihad to pay that much tax? Well,
what did you think? It wasfree money? They have a mortgage
to Uncle Sam, right, absolutely. You know. We had a client
last week has a two point twomillion dollar IRA and guess what you know
he says, oh my gosh,I got two point two million. It
doesn't matter what you have. Guesswhat after taxes, you don't have two
point two You had a big account. That's infected with tax What are you
doing about it? And he satback and he said, well, that's
(33:51):
why I'm here. He said,what can I do about it? So
we talked about his other positions,and we talked about his other accounts,
and he had the ability to gooffset using a tax deduction strategy where he
can have guarantee and income coming in, he can create a big tax deduction
and he can avoid the capital gainstax. And he said, oh my
god, no one's ever showed methis. And he said, well why,
(34:13):
he asked me, Why hasn't myadvisor shown me? I said,
it's pretty simple. The current advisorthat you're with right now, all they
want to do is just manage yourmoney. That's it. They're not talking
about your taxes. They don't care. They're not talking about the way your
accounts are going to transfer. Theydon't care. They're not looking for your
income best purposes, they don't care. They just want to manage your money.
(34:34):
Is that you out there listening today. If it is, then you
have an incomplete plan. You justhave an investment plan. But there's so
much more to that, especially nowwhen you're talking about taxes. We do
tax planning we do income planning,we do investment planning. If you have
a brokerage account, let's analyze that. Let's see how it's incorporating with the
taxes. Is your advisors, yourbroker causing you to pay necessary taxes?
(34:55):
Maybe you don't see it until taxtime, but is your DPA really showing
you that as well? So letus dissect what you got. Let's get
a second opinion. Let's show youeight three to three magi tacks. Bring
your stuff in, Let's have aconversation. Let's tell you, tell us
what's on your mind, what wewant to hear it so we can help
you eight three to three magi taxAnd the big question is are you going
(35:16):
to wait and get hit? Youknow with that issue, it's going to
affect everyone listening today, whether itbe income or taxes or investments. You
know, I don't care who's rightor wrong. What we care about is
where are they going to get themoney from? And who will pay for
all of this? And the answeris all of us. So do you
have a plan? Just ask andwe can go on and on, but
(35:37):
that's not the point. Complaining isnot a plan. Procrastination is not a
plan, And just saying no isnot a plan. And this is what
people are doing out there, Chris, They just afraid. That's what this
whole show is about. Ask forhelp. That's how you solve these concerns.
Get some help, and remember,just ask for help. Eight three
to three, Maggie. Tax.Do you know what the answer is to
(35:59):
all of this is? If theydo not have enough money to pay the
tax, then the answer is simple, Well, they do just print more
money and that's what's going to happen, and which creates stealth taxes, and
that's going to reduce the purchasing power. And guess what. This is going
to make it more difficult for youto live because again it's going to affect
the dollar. So what are wedoing. That's why it's so important to
(36:20):
put together a plan. I can'tstress this enough because people who have plans
succeed more. They're gonna take advantageof the opportunities. They're gonna take advantage
if the market goes down this bigvolatility. When you want to be on
the other side of this, whenyou want to be on the positive side.
It says, instead of saying,oh my gosh, Ei, there's
down twenty or thirty forty percent likenine to eleven times, or the housing
market times or COVID times. Right, these are things that you can avoid
(36:44):
if you have a plan, ifyou work with an advisor that understands concepts
and the distribution phase of your life. What about the taxes, My gosh,
I can't stress this enough. Peopleare going to pay more in taxes.
They're going to come after the peoplewho have money. If you have
iras and four to oh one k'sand TSP, if you are federal employees,
(37:05):
guess what they know how much moneyyou have. It's infected with taxes.
It's very simple. They can increasethe tax rate and when they do
that one point two percentage points fivepercentage points, that means Uncle Sam gets
paid first. You lose your value. Don't let happen to you. If
you have abilities to go ahead andput together plans to help you, pick
(37:25):
up the phone, schedule time tomeet with us. We look forward to
helping you get the Maggi Plan eightthree to three Maggie tax and one more
thing, don't forget. Go toour website, go to seminars and register
for one of our seminars that wedo on a state planning and social security
and tax planning. We'll probably theonly one doing a three to one event.
But here's why, because those threetopics are very important to each and
(37:46):
every one of you out there insome way, shape or form. People
are concerned about social security. Peopledon't know when to take social security.
People don't know how it's tax andwhat the amount is going to be taxed
in the future. And that iswhy it's so important to ask for help,
because these are questions that we're gettingasked everyday. Income planning, tax
planning, social security, wills andtrust, and how to take care of
(38:07):
your family. Visit our website MaggieTax dot com, click on seminars,
click on retirement calculator. All theinformation is there. Be sure to watch
our TV show every Sunday on ABCat ten thirty and then following the show,
we're back on the radio again withthe Maggie Tax and Financial Show.
Folks, it's about education. Chrisand I've been doing this for a long
time. It's up to you.If you have questions, please don't be
(38:30):
afraid to ask write them down.That's why we do this show. So
throughout the show, right out aquestion or give us a call. We
have operated standing by right now.Eight three to three Maggie Tax. We
have offices in Palm Harbor, inLoots and also Saint Pete. So give
us a call, ask questions.Eight three to three Maggie Tax again,
eight three to three Maggie Tax.And you're listening to the Maggie Tax and
Financial Show. You've been listening tothe Maggie Tax on Financial Hour discussing tax
(38:53):
planning investment strategies presented by Robert andChris Maggie from Maggie Tax Advisory and Financial
Services with offices in Hillsborough and PinellasCounty. Visit Maggie Tax dot com or
call eight one three three two twotwenty five twenty. That's eight one three
three two two twenty five twenty andtune in next Saturday at five for the
(39:15):
Magi Tax and Financial Hour
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