Episode Transcript
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Speaker 1 (00:00):
All these years you've saved up planning for a secure retirement,
but if you're not careful, it will be the irs
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 Maggie Tax Advisory
and Financial Group. With over thirty years of combined experience
in tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement nest egg from Uncle Sam. Your questions and
comments are welcome during today's program by calling eight one
three three two two 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 now
(00:46):
your host for the Maggie Tax Financial Hour on nine
seventy WFLA. Robert and Chris Maggie.
Speaker 2 (00:53):
Welcome everyone, and thanks for joining us today. I hope
you're having a wonderful day. My name is Robert Maggie.
I'm here with my son and co host Chris Maggie,
and welcome to the Maggie Tech and Financial Show, and
don't forget Every Sunday at ten thirty on ABC TV,
tune into the Maggie Tax and Financial Show. We're going
to be talking about a lot of things like income planning,
investment planning, four oh one k rollovers. A lot of
people are calling about that, Medicare option, social Security maximization,
(01:16):
insurance planning, tax planning, and estate planning. And Chris, we
call that a complete plan.
Speaker 3 (01:22):
And that's it. So welcome everyone, Thank you so much
for joining our show today. As always, we're always excited
to be here because it's so much to share, so
much to talk about. Each and every week we meet
with clients and guess what they have concerns, and many
of you listeners today have those same concerns. So if
you have any questions during today's show, please pick up
the phone, schedule time to meet with us. Visit our
(01:42):
website at Maggie tax dot com. That's m A G
G I t a X dot com. There's so much
information right there at your fingertips to get educated, to
learn about what we do so we can help you.
Once again, Maggie tax dot com.
Speaker 2 (01:55):
So I just want to also remind you that we
are doing seminars every month in different locations at different libraries.
So all you need to do is go to Maggie
Tax dot com and on the top it says upcoming seminars.
Click on it. You can register right there for the
location that's nearest jew. Also, we're doing federal seminars and
federal webinars. So if you're a federal employee out there
(02:15):
and you need help with your TSP or your furs
retirement or sur's retirement, give us a call eight one
to three nine zero nine zero zero two to two
or eight three to three Maggie Tax.
Speaker 3 (02:25):
And one more thing.
Speaker 2 (02:26):
On our website, there's a chat box on the bottom right.
Many of you have called in and asked us questions.
Fill in the box and we will respond to that
in very short times. So, Chris, a lot of things
that we're doing there because we want to help educate people.
And you and I talk about this all the time
to every client. It's about the language. It's about the
language of all the stuff that we're talking about. And folks,
(02:46):
if your advisor is not doing that, you have a
right to ask Chris, is that correct?
Speaker 3 (02:51):
I mean, is that you know, silly, that's it. No,
you definitely have to. And I'll give an example. We
got a client that came in last week and has
been with the advisor for a couple of years and
they don't hear from them. And they're a successful business
owner and they're about to sell their business and they
have no idea what to do from a tax side,
from an investment side, and how to handle it. They
(03:11):
reached out to their advisor and they still haven't gotten
a return phone call and they're very upset because they
put a good amount of money with that advisor, but
they don't really reach out to them anymore. So is
that happening to you? You are you facing the future
where you don't have any help, You don't have guidance,
you don't have a plan, you don't have the objectives
(03:32):
that you're looking for accomplished yet. And that's where we
can help in. So when you get a chance, visit
our website at maggatax dot com. But we can help
you schedule time to meet with us and let's go
over the questions that you have because there's so much there.
And when we met with them, there was a lot
that we uncovered such as beneficiary forms and transferring to
the assets and safety of their money. They would take
(03:54):
in so much risk and they didn't want to take
that risk. So what did they do. They needed a
change and they need to plan, and that's what we
did to help them, you know.
Speaker 2 (04:01):
And with that said, shouldn't we work on every strategy
and concept available to all of us to help inspire
all of you to realize that because we live in
the United States and Canada, we can still achieve financial
and retirement success with the help of a qualified advisor
like Maggie Tax Advisory in Maggie Investments, because look for
someone that can answer your questions, look for someone that
(04:23):
can give you options to think about. I met with
a client the other day. He's got an advisor. He's
been there a long time, and he said, Bobby, you
know I'm here because I don't know if I should be.
But he said, I don't know if I'm doing the
right thing, and I would like a second opinion. So
after we met with him and we explained the options
and the comparison of what he had, it was an
AHA moment, Chris, because he said, I had no idea
(04:46):
and I think a lot of people listening today have
the same feeling.
Speaker 3 (04:49):
And that's it, and that's why it's so simple. All
you got to do is schedule time in the avest.
We have office on both sides of the day to
help you, and that's just it. You know, when it
came in, it's like an aha moment. It was like, Oh,
my gosh, I'm glad I came in. And that's a
great warm feeling for us because we know that we're
doing the right thing to help a lot of people
out there. And from the tax side of it, from
the income side of it, from the investment side of it.
(05:11):
What about the estate planning side of it. My gosh,
so many people over the past couple of weeks we
met with they have a living trust which avoids probate,
and guess what, it's not even funded. The attorney or
the advisor whoever helped them did not do the job
to complete it. So now they have assets outside the
estate and guess what, God forbid, something happens to them.
(05:32):
These assets can go through probate and that's very scary
for a lot of people. So pick up the phone,
schedule time to meet with us. You know, we have
a state planning attorneys that can help you. We can
do the wills and the trust and power of attorneys.
And then what we do here is the advanced planning.
My gosh, the tax planning. Are you worried about paying
too much in taxes? Are you looking for more income sources?
(05:54):
What about your investments? They're up and down? The volatility,
the inflation, what are you doing about it? We can
help three to three Maggie tax And.
Speaker 2 (06:01):
Again, if your advisor of a tax preparer is not
talking about this, shame on them. So all of this
can be accomplished even if our establishments and institution fail us.
And one of the things Chris and I always talk about,
you're in a yoyo economy. You're on your own, so
you need to go out and take a look at it.
So what we suggest is get the Maggie Plan and
solve major concerns about retirement. And we can solve and
(06:22):
create an income plan. Why because if you do not
have enough income when you stop working, how are you
going to solve that major concern? Get the Maggie Plan.
It's an income plan. It is also bucket planning, simple
and easy to understand. And Chris, we talk about the
language that simple words I'm using simple and easy to understand,
and you can elaborate on that. When we show our
(06:43):
clients the bucket planning, they go back and say, well,
they just have a pile of money. That's all I
think I had.
Speaker 3 (06:48):
Right, That's exactly right. Let me get an example of
a client. She had to work for a company for
twenty plus years and she has the option for a
lump sum payout. So she called us at the end
of last year and she said, I ran my numbers
on the lump sum pension plan for this year. But
get this, if I wait until next year, that lump
sum payment's going down. And it was over one hundred
(07:11):
and twenty thousand dollars down. So she said, what do
I do? So we ran the analysis and the whole
point that she was looking for was guaranteed income. She
wanted to retire and make sure the income is coming
in the front door every month for life. So it
took a couple of days and she talked to her
husband and we went over the analysis and I said, hey,
we can help you, and she said, what do you mean.
I said, well, we can guarantee your own and create
(07:33):
your own family pension and she said, well, say that again. Well,
we guaranteed income for her where from a bucket plan
that we designed. So here's what we did. She did retire,
and we took that amount of money and we rolled
it over non taxable event and we created buckets of money.
So guess what. Every month she's going to get sold
security of two thousand, her husband's going to get a
(07:56):
sole security check of a thousand. That's three thousand a month.
And then guess what, this bucket that we just designed
created five thousand dollars of income. So now there are
getting eight thousand dollars a month guaranteed income without touching
their other buckets of money. She sat back and she said,
you know what, I've never thought that I could put
together a plan like this. And we talked about what
(08:17):
happens if she passed away. Well, the money's going to
stay in the family and go to her husband, and
then if anything happens to both of them, guess what
it goes to the two kids. So she sat back
and she said, this is I cannot believe I did this.
This is what we do, and that's what you can
do too. If you pick up the phone schedule time
to meet with us. Let's sit down and talk about
your money. What is your family pension? What is your
(08:39):
guarantee income? And that's what my dad's talking about. Here
is income planning, tax planning, investment planning, and state planning.
We can help a three to three Maggie Tax.
Speaker 2 (08:48):
And let me make it really simple. The words are
really easy, simple and easy to understand, and that's the language.
So eight three three Maggie Tax and visit Maggie tax
dot com. Why. I'll tell you why because in the
top right hand corny are going to see the retirement calculator.
Click on that and fill the information if you have
an IRA or a four oh one K. In thirty seconds,
we're going to show you what your retirement tax bill
(09:10):
is going to look like and then you start planning.
Number two, we have the seminars coming up every month.
We're doing seminars in different areas throughout Tampa and Hillsborough County.
We have the federal seminars and the big thing right now,
if you're listening and driving, just go to Maggie tax
dot com. There's a chat box on the bottom right. Folks.
We get a lot of questions a lot of things
are changing right now. You're not up to date on
(09:31):
it like we are. And again, the way to test
your advisor is ask them the questions that we're talking
about and see if they can discuss it the same way,
because you can do something about it, and it's very simple.
And you know, Chris, they always ask us what is
a charge? There's no cost, our obligation to meet with us.
We don't know what's going to happen when we meet
with you, but we certainly know this that we can
design a plan that's going to be simple and easy
(09:53):
to understand. Chris, I don't know how much easier I
can make it. Now, you know that's what we do,
and that's why we do complete planning. And if you
want to be with your advisor who just doesn't invest
in planning, then that's fine. You have a transactional advisor.
If you have an advisor that just wants to do
insurance products, then you have a transactional advisor. And that's okay.
Speaker 3 (10:11):
But there's so much there to talk about, there's so
much there to do, There's so much there to help you.
Because you're going to run into a situation where maybe
you pass away or your spouse passes away, and how
are things going to transfer? You know, do you want
them to transfer taxable or do you want them to
transfer tax free? How do you want it? You know,
do you want it to go to charity? What's what's
(10:31):
your objective? And do you want more income? Do you
want the volatility of the market to keep you up
at night? What do you want? These are all questions
that we ask you because every situation, ever, answer is different.
So pick up the phone, schedule time to meet with us.
We look forward to meeting with here. Visit our website
at Maggie tax dot com. There's so much information right there,
and don't forget Every Sunday on ABC TV at ten
(10:54):
thirty am of the Maggie Tax and Financial.
Speaker 1 (10:56):
Show, stop planning for Uncle Sam's or timeirement and start
planning for your retirement. As we return to the Maggie
Tax and Financial Hour with your host 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 Ggi tax dot com or call eight one
(11:19):
three three two two twenty five twenty that's eight one, three, three, two, two,
twenty five twenty Now your host for the Maggie Tax
and Financial Hour, father and son from Maggie Tax Advisory
and Financial Group, Robert and Chris Maggie.
Speaker 2 (11:35):
Welcome back and you're listening to the Maggie Tax and
Financial Show. My name is Robert Maggie and I'm here
with my son, Chris Maggie. And don't forget visit our website,
Maggie Tax dot com and tune in every Sunday at
ten thirty on ABC TV to the Maggie Tax and
Financial Show. So along the way, we get a lot
of clients to come in and we do different plans
for these folks, whether it be income, whether it be
(11:56):
tax planning. But Chris, let's talk about when someone comes
in and they want safety of their money, they want
guaranteed income, and they want you know, longevity where they
have money left over for the kids.
Speaker 3 (12:06):
How do we go about that great question? And you know,
if you're out there listening today, and just give an example.
We had a client that came in three years ago
and we just you knowed reviews each and every year
and they came in with six hundred thousand dollars, and
they retired and they have some income coming in, so
we really didn't need to give them income because they
had two pensions and social securities coming in. So four
income streams that totaled seven thousand dollars a month of
(12:29):
income net after tax, and they only need about five
thousand a month, so they have positive cash flow of
two thousand dollars a month. So they said, well, what
do we do with our six hundred thousand dollars? And
I said, well, what do you want to do with it?
And they sat back and they said, well, we don't
really know, but we do have money in the market,
and we're playing the market and it's going up and down.
And I asked them, as safety of your money important
(12:51):
to you? And they both sat back and they said,
at this phase of the game, absolutely it has, isn't
it to everybody? And I said, no, it's actually not.
We have clients that come in sometimes and you know,
if they lose ten bucks, they can't do that, they
can't stomach that, they can't sleep at night. They have
other clients that come in and if they lose a
couple hundred grand, because the mark goes up and down,
it's not a big deal. It's going to come back.
So my question to you out there is where are you?
(13:12):
And if you are sitting in a volatile account and
you don't want to be, then you need to raise
your hand and pick up the phone and schedule time
to meet with us. If you are on a conservative
account and you want to take more risk with some
of your money, then you need to pick up the
phone and raise your hand and schedule time to meet
with us. But going back to the client who had
six hundred thousand dollars of money, what we did was
(13:33):
we did the color of money. We did bucket planning.
We call it now money, later money, never money. And
when we organize these accounts into different buckets, they had
safety of their money in the short term. They had
long term growth with money on the other side, which
is never to later money. And what we did was
we can deal with the risk with those accounts that
(13:54):
we're not going to touch for ten to fifteen to
twenty years. So we did strategic planning where we made
these buckets where they had control flexibility, and that's where
many people come in. They have no plan, but when
they leave us and they work with us, guess what
they have a plan.
Speaker 2 (14:13):
Here's what I would say to that, because this is
the biggest question. You're right on everything you said, and
it's encouraging to know that when people come in. This
is what we talk about. But here's the big thing.
When I ask people to bring in their statement, as
you know, many of them have a brokerage account, they
have stockspawns, and mutual funds. They have some risk and
no risk. They have some in the fixed account. But
(14:33):
that's not a plan. That's not a plan. That's not
the Maggie plan. That's not an income plan, that's not
a tax plan. And what Chris is referring to, if
you've heard as many times talk about bucket planning, this
is where we can put a plan together for you
based on the money that you have. Now, when we
do a risk tolerance form, and Chris, this is so
important we talk about it. The risk tolerance form tells
(14:53):
us more about a client, what risk they're taking. And
many times you can talk about this more risk than
they even know they are because their advisor doesn't sit
down and tell them that. And that's a big problem, right.
Speaker 3 (15:05):
That's it. I mean, you know, when we do an
announce of your accounts. Many people have just piles of money.
Think about this. You have five statements that come in
the mail, right, three statements. Some stamans won't even come
in the mail. They come every quarter. You might have
an old four one K that you never really look
at anymore, maybe two or three of them, right, because
you've changed your employers. So the bottom line here is
many people have piles of money and there's no concrete
(15:28):
to those piles. They can be tumbled down. Think of it.
You know, they just piles of sand, right, and they
can be blown away by just market fluctuation. Is that
what you want? Or do you want a concrete plan
where if there is wind blowing and storms changing and
things happening and hurricanes and whatever it is, that your
account doesn't move. That's what we need to talk about.
(15:51):
Your color of money. What do you want your money
to do for you? Because if you're looking for a plan,
an investment plan, we can help. And that's why you
pick up the phone. Schedule time to meet with us.
Eight three three, Maggie tax. Let's get a second opinion
on what you currently have and let's do bucket planning
for you.
Speaker 2 (16:05):
And again I challenge all of you if you have
a plan. Now, we're not trying to break a relationship here.
What we're trying to do is when you come in
and we show you a different strategy and then you
sit back and say, wow, my guy or Mike Gal
has not told me that, then we have something to
talk about. Because this is the new rules of retirement.
You have to understand what we're talking about roth conversions
and tax planning and income planning. If your folks are
(16:25):
not talking about that, shame on them, because when it
comes to retirement, you want to make sure that you
have enough coming in, like Chris says, the front door
every month where you can just pick up the check,
cash the check and not worry about the other expenses.
And when you start taking a lot of risk, Chris,
and this is what we see, because that's what they
were taught, take a lot of risks. See if the
market goes up, and you we all know what's going
(16:46):
on with the market goes up, it goes down. But
on our Maggie plan, the way we do it, we
position a lot of money, not a lot of money,
but the portion that you want to be safe in
green buckets, green buckets mean it doesn't go down, it
only goes up.
Speaker 3 (17:00):
No fees to those buckets either, So they could be
safety and no fees, and you don't have to worry
about the resk.
Speaker 2 (17:05):
Which is the biggest question. What's the biggest concern. Everybody
comes in, what's your fee?
Speaker 3 (17:08):
Worried about the fee to play?
Speaker 2 (17:09):
Right?
Speaker 3 (17:10):
But again it's not about that. It doesn't have to
be that way if you want safe money.
Speaker 2 (17:14):
But if you're in a Brokens account and you have
an IRA and you're paying fees, you're paying fees on
an account that should be growing, not going down.
Speaker 3 (17:19):
Well that's it. And if no one's watching it and
it's pretty much just all transactions and you have loads
and commissions, guess what you're not Your account's not doing
what you want it to do. So that's why it's
so important. It's encouraging pick up the phone, schedule time
to meet with us. We have offices standing by. Let
them know that it's urgent that you need to come
in and meet with us. Because when we see retirement,
there's the accumulation phase, there's the distribution phase of your retirement.
(17:43):
Where are you right now? Because if you are approaching
the distribution phase or in the distribution phase, and you
see these big volatility markets go up and they go down.
If that doesn't affect you or scare you, then maybe
you start looking at what's happening, because if it is
is affecting you and worrying you and keeping you up
at night, then maybe now is a time, more than
(18:05):
ever before, to make sure that you get a second
opinion and we can help. Eight three three Maggie Tax, and.
Speaker 2 (18:10):
Don't forget to watch our TV show on Sunday at
ten thirty. We have seminars coming up every month on
a state planning, on tax planning. If you go to
my website, Maggie Tax dot com, they're all listed there.
We do them in libraries so we can educate you.
And that's the whole point for you to come in
and be educated and not be sold. Because once you
understand the ground rules of this income planning, tax planning,
(18:32):
investment planning, market risk, you know all the types of
risks that are out there, the health risk. This is
important for all of you out there. Pick up the
phone eight three three Maggie Tax. Visit our website Maggie
Tax dot com, click on seminars and register for one
of the seminars. They're free and they're educational. Eight three
three Magi Tax and visit the Maggie Tax dot Com
(18:52):
Maggie tax dot Com website on the retirement calculator, click
on Maggie tax dot Com. Give us a call right
now eight three to three Maggie Tex.
Speaker 1 (19:02):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host, 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 Ggi tax dot Com. Or call eight one three
(19:24):
three two two twenty five twenty. That's eight one three
three two two twenty five twenty. Now your host for
the Maggie Tax and Financial Hour, father and son from
Maggie Tax Advisory in Financial Group, Robert and Chris Maggie.
Speaker 2 (19:40):
Welcome back. You're listening to the Maggie Tax and Financial Show.
My name is Robert Maggie and I'm here with my
son Chris Maggie. So we're going to talk about a
lot of things. Don't forget watch your TV show every
Sunday at ten thirty am on ABC TV, and be
sure to visit Maggie tax dot com. And if you
want to make an appointment to see us, we have
operated standing by right now. Give us a call eight
three to three Magi Tax. So let's talk about the
(20:03):
tax freight train, because it's coming, and the tax freight
train that's bearing down on your retirement has picked up
speed and there's no stopping it. Now. We call it
legislative risk, where the Congress can change your rules at
any time and be ready for this. We're talking about
twenty twenty six when the Trump tax cuts expired. So
who's going to pay this huge tax bill when it arrives?
Speaker 3 (20:25):
So?
Speaker 2 (20:25):
Will billionaires pay for it? I don't really think so.
How about major corporations? Probably not. And it's going to
be every day american's like you listening to our show today,
and probably everyone listening to the show has a question
like who's going to pay it? How am I going
to pay it?
Speaker 3 (20:42):
So?
Speaker 2 (20:42):
What are you doing about it? And when the tax
train arrives at your station, we can help. We do
an after tax statement. We can do in the after
tax statement, explain what your debt will be to the
irs and Chris, all they have to do is call
eight three to three MAGI tax. Because I know I'm
trying to make this simple, but it's not simple. Well,
it's very difficult. Based on the amount of money people
(21:02):
have in retirement accounts, am I right around?
Speaker 3 (21:04):
Yeah, let's just make it very simple. If you have
a four one K and IRA four fifty seven plan,
you have an account. These accounts are infected with tax.
So what my dad's talking about here is you might
not think about it now. You might not really have
this in the front of your mind, but you have
these accounts growing. You might look at them. You might
not because you might be in the accumulation mode or
growing and working and really just not even thinking about it.
(21:27):
But what you've done is, yeah, that train has picked
up speed. What I mean by that is a train
where you can't stop it in the future. And what's
gonna happen is that those accounts, as they grow and
they get bigger and bigger and bigger and bigger and bigger,
they're gonna have to pay and they're gonna get huge.
They're gonna get whacked by taxes. And that's the thing.
(21:47):
You can't stop that train, and it's gonna be a
hard crash at the end when you need the money
the most. When you start taking out those funds, you
have to pay Uncle Sam and the irs. And that's
why what's talking about this and your advisor might not
be thinking about it today, but we are. That's why
it's so important to get a second opinion. Pick up
the phone, schedule time to meet with us. We met
(22:09):
with a client last week forty eight and forty five.
They got almost a million dollars sitting in their former
ks and iras and the guy separated from his job.
So now he has the Form one K and he
rolled it over to his IRA. So he said to me,
he said, well what do I do? I said, first off,
let's talk about the risk and what you want your
accounts to do. But second half, you know you don't
have a million bucks here, you got about maybe six fifty.
(22:31):
And he looked at me and he said, well, what
do you mean no, we got a million bucks? I said, no,
not because you have to pay taxes at some points
the after tax statement. So when you come in to
meet with us, we're going to show you that. But
the story behind this is that he said. It was
an AHA moment for him and his wife. He said,
you know what, no one's ever talked about this. We
need to start getting this money out. Now, how do
(22:53):
we do it? What's the most tax efficient way we
can do this? So now we have tax free money
moving forward. And that's what they did. So we created
buckets of tax free money. We paid the little pet
tax on the most strategic wait about going about doing it,
and we could do the same thing for you eight
three to three maggie tax.
Speaker 2 (23:09):
And let me give you another example. We met with
a couple the other day and here's what they did.
They had IRA money and they had Roth money, and
we did their tax return and we showed them that
if they took money out of their IRA up to
the tax bracket their in, they would pay almost the
same amount of tax, but now positioned into a tax
free account. So she asked me, is that really a benefit?
(23:31):
I So we'll think about it in three years if
the Trump tax cuts expire, you're going to have less
taxable money when you have to come out. And the
other thing is she's going to be seventy two in
a couple of years when she has to take out
to R and D. So I showed her that she
would take less out of the IRA and she would
have more tax free money in the roth Christen. It
kind of just blew her away because she had no idea.
(23:53):
And I kept telling people, you have a window between
now and twenty twenty six to do strategic planning.
Speaker 3 (23:59):
That's exactly the right. So the question that we have
for you is do you honestly know how much tax
you will have to pay your partner the irs? So
think about that for am it And if you don't,
unless you can predict what the tax rates will be
in the future, that's what we're talking about. That's the
big unknown. It's a question mark unknown. We have no
idea what the tax rate's going to be in the future.
(24:20):
So you grow these accounts tax deferred. Yeah, it might
be fifteen percent to take the money out today, but
it might be thirty five percent in the future. It
might be depending on the tax brack. It might be
twenty five percent today for you, depending on the income
that you have, but it might be forty five percent
in the future. So you have no idea, and that's
the scary part of this whole thing. Why would you
(24:41):
want to be in a scary environment in the future
and an unknown environment. Well you don't have to.
Speaker 2 (24:46):
But christie with that, because I'll give you a real
to me an example that makes sense. Open your window
like a quarter of the way and that's how much
time you have left before that window closes to stay
in the tax brackets you're in, pay the least amount
of tax, and when that closes, you're going to have
all tax free money.
Speaker 3 (25:05):
What is wrong with that? That's exactly right. So that's
why we're talking about this. If your advisor is not
talking about tax free buckets, you really got to start
thinking about where you're with the right advisor because we
don't talk about taxes. That's our biggest expense. So yeah,
anyone can accumulate your money. You can accumulate yourself. You
don't need an advisor to accumulate. There's a whole bunch
(25:27):
of growth things and investments you can invest out there.
But do you really know the distribution phase or how
to get the money out in the most tax efficient way.
That's what we're talking about. So we can put together
a complete plan. We could do the investment side of this,
we could do the income planning, we could do the
tax planning side the estate planning. And the big thing
we ask everyone today is do you know what you have?
(25:50):
Do you know how much you're going to pay in tax?
And let's just face the truth. If you have a
tax deferred account, you are a partner. So you're in
partnership with uncles am. They're gonna determine how much you
get to spend in retirement unless you do something about it.
Speaker 2 (26:06):
Yeah, before the twenty twenty five Trump tax cuts expire,
and you know, for all of us, we were going
to have an increase in taxes. But I always ask
the question, what are you doing about it? Well, everybody's
complaining about it and moaning about it. Well that's not
the answer. Would you like to know? Give us a
call eight three to three Magi Tax. Let's sit down
and do an after tax stament. It doesn't cost you anything,
(26:29):
and visit Maggie tax dot com and schedule the time
that we can discuss what I call the tax freight
train eight three three Maggie Tax. Because for years we've
been talking about the tax freight train bearing down on
all of us, and a lot of advisors are not
talking about that talking about just you know, getting higher gains. Well,
that's that's not true either. You know, we've been teaching
all of you how important it is to invest in
(26:51):
tax free accounts like a tax free raw well, cash
value life insurance. Is your advisor talking about that. We've
helped many of you do strict TA tax planning. Write
that down, strategic tax planning. What a strategic mean? You
do it in a way that you're going to benefit, Okay,
to avoid the tax freight train. And there's a movie
all of you should watch. It's called The Power of Zero.
(27:13):
The tax train is coming and I personally have moved
my wealth to tax free accounts, including cash value life
insurance and ROTH tax free accounts. You should do the same.
Eight three three Maggie Tax and visit Maggie tax dot com. Folks.
I have webinars on there that you can sit and
watch about the WROTH in the four to one K
that Chris and I talk about every week, Sit down
(27:34):
for thirty minutes and take a look at it. And
you know there's a second risk that all of us
is going to be faced. It's called longevity risk. And Chris,
no one talks about longevity risk.
Speaker 3 (27:43):
Absolutely. You know all advisors talk about market risk, Well,
what about sequence of return risk? Do you know what
that is?
Speaker 1 (27:50):
You know?
Speaker 3 (27:50):
We do? You know what kind of risks are you
associated with that You're just not aware of? What about
long term care risk? As your adviser talking about that,
well we do. What about the big one inflation risk?
And what about legislative risk? Do you all know what
that means? It's when Congress can change the rules. Why
(28:12):
are we entering in the game of putting money into
an IRA in four one K where we don't even
know what the rules are. That's why would you go
into a board game without knowing the rules, especially with
your retirement and I'm talking about when the rules are
not even established because they can change the tax rates.
Uncle Sam can change them. They could be twenty five
(28:34):
percent today, they could be forty five percent tomorrow or
in five years from now when you need the money
most So why you playing the game if you don't
know the rules they are written in pencil. We can't
just think about market returns and risk that way. We
have to start thinking about tax risk, legislative risk, and
that's what we're talking about. So pick up the phone,
(28:55):
schedule time to meet with us A three to three
Maggie Tax.
Speaker 2 (28:58):
Yeah. In the enidote to a longevity risk is guaranteed
lifetime income, inflation adjusted income. Who's talking to you about that?
That's why we talk about bucket planning, which we'll get
into on another show, because bucket planning is the most
powerful planning you could do. Where you have income and
you have growth, and then you have later money. Do
you know how much money you're going to need in retirement?
(29:20):
Ask yourself that question, because that's the question we ask
every single one coming in solid security pension. Is that
going to be enough? And if not? Why not? And
here's what the math and science show. A successful retirement
is not about asset allocation, diversification or rates of return. Yeah,
that was true during your accumulation phase. But stop and
think for a minute. What about during your retirement. It's
(29:43):
all about curving basic lifetile expenses with guaranteed inflation income
planning in retirement, it's not about assets anymore. It's about
guaranteed income. A successful retirement is really a do it
yourself project. Take the time to meet with Maggie Tax
and meet with the qualified experience Advisor. We've helped so
many people out there by making a few simple tweaks
(30:04):
to your portfolio now and you can start reducing your
future tax bill and make sure your retirement income less
for the rest of your life. Eight three three Magi Tax.
Speaker 3 (30:13):
Ye, and be sure to visit our website Maggi tax
dot com. And don't forget tune in every Sunday on
ABC TV at ten thirty AM for the Maggie Tax
and Financial Show. You know, we have clients that want
to eliminate Uncle Sam forever and they are in a
zero percent tax bracket forever moving forward. If you want
to be let's explore that as well. Eight three to
(30:35):
three Magi Tax. When you come in and meet with us,
we're going to review your tax risk, your income risk,
your market risk, your long term care risk, your longevity risk.
These are things we do each and every day to
help you pick up the phone, schedule time to meet
with us. Eight three three Magie Tax and visit our
website at Maggi tax dot com. There's so much information
(30:57):
right there at your fingertips. We have officers on both
sides of the bank three locations Too Healthy eight three
to three, Maggie Tax.
Speaker 1 (31:07):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host, 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
m a gg I tax dot com or call eight
(31:28):
one three three two two twenty five twenty. That's eight
one three three two two twenty five twenty. Now your
host for the Maggie Tax and Financial Hour, father and
son from Maggie Tax Advisory and Financial Group, Robert and
Chris Maggie.
Speaker 2 (31:45):
Welcome back, and you're listening to the Maggie Tax and
Financial Show. And today we've been talking about tax risk
and legislative risk and a whole bunch of other things.
But what thing I want to bring back this is
for the person out there that you know has been
investing in this for a long time. In the advisor community,
they learned to identify that risk by they created using
fancy terms like alpha and beta. How many people know that?
(32:06):
And the industry helped create tools like Monte Carlo simulations
to quantify that risk for clients. How many know that? Okay,
I'm not worried about that. Finally, advisors would use those
tools to build asset allocation models to mitigate market risk,
not mitigate tax risk. So the question is, every time
we see a client come in, did you open up
your statement? Do you know what you have? And they
(32:27):
say no, I don't. They don't know about alpha, beta
and all this other stuff. They just look at the
bottom line and they look at how many fees they're paying. Well,
what is the advisor doing for you. He's not doing
tax risk, he's not doing income risk. So what was
he doing? He's just grown your assets. The focus on
accumulating wealth was the primary focus until a few things happened.
The dot com bubble burst, followed shortly there after by
(32:50):
the financial crisis, and suddenly savers were reaching retirement age
with depleted assets and no plan to generate income. And
that problem was compounded by the rear that retirees were
living longer than ever. So none of these advisors talked
about future tax free money or income. And I asked
it before, how much income do you need for the
rest of your life to go to that mailbox every month?
(33:12):
And get the check that you want. Advisors learn to
identify that income risk or a longevity risk. That's what
we do. And suddenly it wasn't enough to just accumulate funds.
Savers needed a plan to make those funds last a lifetime. Chris,
And that's what we see every day now. Because people
are confused, they're isolating, they're angry. Would you think it's
(33:33):
because they got the wrong information, they were taught the
wrong language.
Speaker 3 (33:37):
Well, this is what's happening. People come into tax preparation
and guess what when they're not clients of ours, they're
clients of other advisers. They come in and they say,
I want to get a plan, So we do the
taxes for them, and guess what. They're upset They have
to pay a tax liability and they said, well, my
advisor never showed me a tax plan. So what if
you could have a plan where you have buckets of
(33:57):
money Just think about this for a sec What if
you have buckets of money that have growth with investments
that are allocated the right way to your risk tolerance.
What if you have a couple other buckets that generate
guaranteed income so you can go to the mailbox each
and every month and grab that check and spend the
heck out of it and do it all over again
for the rest of your life. And what if you
have like an inflation bucket right you can always tap
(34:18):
into so when things hit the fan, you can always
tap into and have income so you don't have to
worry about the inflation or running out of money. Then
what if you had those buckets, every one of them,
make sure that they pass to where you want it
to go and avoid the probate process. Then what if
you had some of those buckets that are tax free,
so when you use taxes every year, you take some
(34:41):
from a taxable environment, some from a tax free and
you can stay under the threshold income so maybe you
don't have to file a tax return or your effective
tax rate is very low. That's how you do planning.
What if you can have that, Well, that's what the
Maggie Plans all about. That's the holistic plan that we do.
It's not about just giving your money, let me manage
it for you. Anybody can do that. There's more to it.
(35:03):
So when you think about what's happening right now, you're
following the crowd, you're the same as every one of
people out there. And there's a small percentage of people
out there that actually have what I just talked about.
Because there's so many people out there that don't know
what to do. If you're listening today, I urge you
to pick up the phone, schedule a time to meet
with us, get a second opinion on your plan. Eight
(35:25):
three three MAGI tax. That's eight three to three magi tax.
Speaker 2 (35:28):
So the question is how do you make your money
last a lifetime? And what happened things change in this industry.
Annuities came out guaranteed income riders that people have. That
was the perfect solution to provide a guaranteed check and
clients could retire and outlive their money. In the year
two thousand, advisors became experts in income planning, addressed this
(35:49):
major concern and that's what we do. And shortly thereafter,
most advisors across the industry were using annuities to offset
income risk. Now, don't panic when I say the word annuities,
because if you look at your Social Security and your pension,
that's an annuity. So think about it. You just don't
understand the language and how they apply. And some may
be bad I get it, Chris understands. But until you
(36:10):
sit down and see how the annuity process works. You
want guaranteed income for life, you want a certain amount,
we can help you. So today the headlines are all
about taxes. All they just bypassed everything, They shoved it
under the blanket. Advisors who understand tax risks today, like
we do with Maggie, tax are the reason why we
are successful. Many of you know us. Many of you
(36:31):
come in and see us and you understand the plan,
and we do complete planning. And I'll say it again,
you do not have a complete plan if you do
not have a tax plan or an income plan. And
we can apply the same financial process we use to
address market and income risks. We want to help clients
identify your tax risk, quantifying dollars and cents. That's the
bottom line. People say, Bobby, Chris, how much am I
(36:53):
going to get? Bottom line? And let us find the
tools to reduce that risk. That's up to you. You
have to tell us that's what's concerning you income, Is
it taxes or it's all the above, Because the biggest
thing we hear, Chris is the market. The market, Oh
it's up. We're making money. No, you're not. You got
It's not all yours until it crashes, and then it crashes,
then you lose what, you lose all that you think
(37:15):
you had. That is not a plan for retirement, Chris.
I mean, I'm sorry, I get upset, but this is
what people come in. They think the market is the
best thing in the world for what For growth, yes,
but for retirement you got to start thinking about change
and looking at it through a different lens.
Speaker 3 (37:29):
Absolutely, and that's where there's the complete process. You know
we talked about early on the show. Yeah, you're up
at halftime and it's great, you're all excited, but guess what.
The second half comes around, and that's where Uncle Sam is.
He comes out. That's a silent partner that's there on
the other team that you do not see. And that's
what we're showing you today. So when we think about
big picture, we get it. We have people retire each
and every day. You retire once, so we retire each
(37:53):
and every day, and we can show you how it's
going to look. So think of the phone and schedule
time to meet with us. We have office on both
sides of the We do a radio show. Obviously, we
do a TV show every Sunday on ABC TV at
ten thirty am. Tune in watch, go to our website
Maggie Tax dot com. See what we do. If you're
listening today. If you do not have a plan, we
(38:14):
can help. If you want an income plan, a tax plan,
an investment plan, and a state plan, a social security
maximization plan, we can help. What are you doing? If
you do not have a plan, you need to get
one a three to three magi tax. We look forward
to working with you. Forward a meeting with you. Get
the Maggie Plan tax planning, income planning, investment planning, social
security planning, a state planning. Get a plan you deserve
(38:37):
eight three three magi tax. That's eight three to three
a tax.
Speaker 1 (38:42):
You've been listening to the Maggie Tax on Financial Hour
discussing tax planning investment strategy is presented by Robert and
Chris Maggie from Maggie Tax Advisory and Financial Services with
offices in Hillsboro and Panelas County. Visit Maggi Tax dot
com or call eight one three three two two twenty
five twenty. That's eight one three three two two twenty
(39:04):
five twenty and tune in next Saturday at five for
the Maggie Tax and Financial Hour,
All these years you've saved up planning for a secure retirement,
but if you're not careful, it will be the irs
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 Maggie Tax Advisory
and Financial Group. With over thirty years of combined experience
in tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement nest egg from Uncle Sam. Your questions and
comments are welcome during today's program by calling eight one
three three two two 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 now
(00:46):
your host for the Maggie Tax Financial Hour on nine
seventy WFLA. Robert and Chris Maggie.
Speaker 2 (00:53):
Welcome everyone, and thanks for joining us today. I hope
you're having a wonderful day. My name is Robert Maggie.
I'm here with my son and co host Chris Maggie,
and welcome to the Maggie Tech and Financial Show, and
don't forget Every Sunday at ten thirty on ABC TV,
tune into the Maggie Tax and Financial Show. We're going
to be talking about a lot of things like income planning,
investment planning, four oh one k rollovers. A lot of
people are calling about that, Medicare option, social Security maximization,
(01:16):
insurance planning, tax planning, and estate planning. And Chris, we
call that a complete plan.
Speaker 3 (01:22):
And that's it. So welcome everyone, Thank you so much
for joining our show today. As always, we're always excited
to be here because it's so much to share, so
much to talk about. Each and every week we meet
with clients and guess what they have concerns, and many
of you listeners today have those same concerns. So if
you have any questions during today's show, please pick up
the phone, schedule time to meet with us. Visit our
(01:42):
website at Maggie tax dot com. That's m A G
G I t a X dot com. There's so much
information right there at your fingertips to get educated, to
learn about what we do so we can help you.
Once again, Maggie tax dot com.
Speaker 2 (01:55):
So I just want to also remind you that we
are doing seminars every month in different locations at different libraries.
So all you need to do is go to Maggie
Tax dot com and on the top it says upcoming seminars.
Click on it. You can register right there for the
location that's nearest jew. Also, we're doing federal seminars and
federal webinars. So if you're a federal employee out there
(02:15):
and you need help with your TSP or your furs
retirement or sur's retirement, give us a call eight one
to three nine zero nine zero zero two to two
or eight three to three Maggie Tax.
Speaker 3 (02:25):
And one more thing.
Speaker 2 (02:26):
On our website, there's a chat box on the bottom right.
Many of you have called in and asked us questions.
Fill in the box and we will respond to that
in very short times. So, Chris, a lot of things
that we're doing there because we want to help educate people.
And you and I talk about this all the time
to every client. It's about the language. It's about the
language of all the stuff that we're talking about. And folks,
(02:46):
if your advisor is not doing that, you have a
right to ask Chris, is that correct?
Speaker 3 (02:51):
I mean, is that you know, silly, that's it. No,
you definitely have to. And I'll give an example. We
got a client that came in last week and has
been with the advisor for a couple of years and
they don't hear from them. And they're a successful business
owner and they're about to sell their business and they
have no idea what to do from a tax side,
from an investment side, and how to handle it. They
(03:11):
reached out to their advisor and they still haven't gotten
a return phone call and they're very upset because they
put a good amount of money with that advisor, but
they don't really reach out to them anymore. So is
that happening to you? You are you facing the future
where you don't have any help, You don't have guidance,
you don't have a plan, you don't have the objectives
(03:32):
that you're looking for accomplished yet. And that's where we
can help in. So when you get a chance, visit
our website at maggatax dot com. But we can help
you schedule time to meet with us and let's go
over the questions that you have because there's so much there.
And when we met with them, there was a lot
that we uncovered such as beneficiary forms and transferring to
the assets and safety of their money. They would take
(03:54):
in so much risk and they didn't want to take
that risk. So what did they do. They needed a
change and they need to plan, and that's what we
did to help them, you know.
Speaker 2 (04:01):
And with that said, shouldn't we work on every strategy
and concept available to all of us to help inspire
all of you to realize that because we live in
the United States and Canada, we can still achieve financial
and retirement success with the help of a qualified advisor
like Maggie Tax Advisory in Maggie Investments, because look for
someone that can answer your questions, look for someone that
(04:23):
can give you options to think about. I met with
a client the other day. He's got an advisor. He's
been there a long time, and he said, Bobby, you
know I'm here because I don't know if I should be.
But he said, I don't know if I'm doing the
right thing, and I would like a second opinion. So
after we met with him and we explained the options
and the comparison of what he had, it was an
AHA moment, Chris, because he said, I had no idea
(04:46):
and I think a lot of people listening today have
the same feeling.
Speaker 3 (04:49):
And that's it, and that's why it's so simple. All
you got to do is schedule time in the avest.
We have office on both sides of the day to
help you, and that's just it. You know, when it
came in, it's like an aha moment. It was like, Oh,
my gosh, I'm glad I came in. And that's a
great warm feeling for us because we know that we're
doing the right thing to help a lot of people
out there. And from the tax side of it, from
the income side of it, from the investment side of it.
(05:11):
What about the estate planning side of it. My gosh,
so many people over the past couple of weeks we
met with they have a living trust which avoids probate,
and guess what, it's not even funded. The attorney or
the advisor whoever helped them did not do the job
to complete it. So now they have assets outside the
estate and guess what, God forbid, something happens to them.
(05:32):
These assets can go through probate and that's very scary
for a lot of people. So pick up the phone,
schedule time to meet with us. You know, we have
a state planning attorneys that can help you. We can
do the wills and the trust and power of attorneys.
And then what we do here is the advanced planning.
My gosh, the tax planning. Are you worried about paying
too much in taxes? Are you looking for more income sources?
(05:54):
What about your investments? They're up and down? The volatility,
the inflation, what are you doing about it? We can
help three to three Maggie tax And.
Speaker 2 (06:01):
Again, if your advisor of a tax preparer is not
talking about this, shame on them. So all of this
can be accomplished even if our establishments and institution fail us.
And one of the things Chris and I always talk about,
you're in a yoyo economy. You're on your own, so
you need to go out and take a look at it.
So what we suggest is get the Maggie Plan and
solve major concerns about retirement. And we can solve and
(06:22):
create an income plan. Why because if you do not
have enough income when you stop working, how are you
going to solve that major concern? Get the Maggie Plan.
It's an income plan. It is also bucket planning, simple
and easy to understand. And Chris, we talk about the
language that simple words I'm using simple and easy to understand,
and you can elaborate on that. When we show our
(06:43):
clients the bucket planning, they go back and say, well,
they just have a pile of money. That's all I
think I had.
Speaker 3 (06:48):
Right, That's exactly right. Let me get an example of
a client. She had to work for a company for
twenty plus years and she has the option for a
lump sum payout. So she called us at the end
of last year and she said, I ran my numbers
on the lump sum pension plan for this year. But
get this, if I wait until next year, that lump
sum payment's going down. And it was over one hundred
(07:11):
and twenty thousand dollars down. So she said, what do
I do? So we ran the analysis and the whole
point that she was looking for was guaranteed income. She
wanted to retire and make sure the income is coming
in the front door every month for life. So it
took a couple of days and she talked to her
husband and we went over the analysis and I said, hey,
we can help you, and she said, what do you mean.
I said, well, we can guarantee your own and create
(07:33):
your own family pension and she said, well, say that again. Well,
we guaranteed income for her where from a bucket plan
that we designed. So here's what we did. She did retire,
and we took that amount of money and we rolled
it over non taxable event and we created buckets of money.
So guess what. Every month she's going to get sold
security of two thousand, her husband's going to get a
(07:56):
sole security check of a thousand. That's three thousand a month.
And then guess what, this bucket that we just designed
created five thousand dollars of income. So now there are
getting eight thousand dollars a month guaranteed income without touching
their other buckets of money. She sat back and she said,
you know what, I've never thought that I could put
together a plan like this. And we talked about what
(08:17):
happens if she passed away. Well, the money's going to
stay in the family and go to her husband, and
then if anything happens to both of them, guess what
it goes to the two kids. So she sat back
and she said, this is I cannot believe I did this.
This is what we do, and that's what you can
do too. If you pick up the phone schedule time
to meet with us. Let's sit down and talk about
your money. What is your family pension? What is your
(08:39):
guarantee income? And that's what my dad's talking about. Here
is income planning, tax planning, investment planning, and state planning.
We can help a three to three Maggie Tax.
Speaker 2 (08:48):
And let me make it really simple. The words are
really easy, simple and easy to understand, and that's the language.
So eight three three Maggie Tax and visit Maggie tax
dot com. Why. I'll tell you why because in the
top right hand corny are going to see the retirement calculator.
Click on that and fill the information if you have
an IRA or a four oh one K. In thirty seconds,
we're going to show you what your retirement tax bill
(09:10):
is going to look like and then you start planning.
Number two, we have the seminars coming up every month.
We're doing seminars in different areas throughout Tampa and Hillsborough County.
We have the federal seminars and the big thing right now,
if you're listening and driving, just go to Maggie tax
dot com. There's a chat box on the bottom right. Folks.
We get a lot of questions a lot of things
are changing right now. You're not up to date on
(09:31):
it like we are. And again, the way to test
your advisor is ask them the questions that we're talking
about and see if they can discuss it the same way,
because you can do something about it, and it's very simple.
And you know, Chris, they always ask us what is
a charge? There's no cost, our obligation to meet with us.
We don't know what's going to happen when we meet
with you, but we certainly know this that we can
design a plan that's going to be simple and easy
(09:53):
to understand. Chris, I don't know how much easier I
can make it. Now, you know that's what we do,
and that's why we do complete planning. And if you
want to be with your advisor who just doesn't invest
in planning, then that's fine. You have a transactional advisor.
If you have an advisor that just wants to do
insurance products, then you have a transactional advisor. And that's okay.
Speaker 3 (10:11):
But there's so much there to talk about, there's so
much there to do, There's so much there to help you.
Because you're going to run into a situation where maybe
you pass away or your spouse passes away, and how
are things going to transfer? You know, do you want
them to transfer taxable or do you want them to
transfer tax free? How do you want it? You know,
do you want it to go to charity? What's what's
(10:31):
your objective? And do you want more income? Do you
want the volatility of the market to keep you up
at night? What do you want? These are all questions
that we ask you because every situation, ever, answer is different.
So pick up the phone, schedule time to meet with us.
We look forward to meeting with here. Visit our website
at Maggie tax dot com. There's so much information right there,
and don't forget Every Sunday on ABC TV at ten
(10:54):
thirty am of the Maggie Tax and Financial.
Speaker 1 (10:56):
Show, stop planning for Uncle Sam's or timeirement and start
planning for your retirement. As we return to the Maggie
Tax and Financial Hour with your host 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 Ggi tax dot com or call eight one
(11:19):
three three two two twenty five twenty that's eight one, three, three, two, two,
twenty five twenty Now your host for the Maggie Tax
and Financial Hour, father and son from Maggie Tax Advisory
and Financial Group, Robert and Chris Maggie.
Speaker 2 (11:35):
Welcome back and you're listening to the Maggie Tax and
Financial Show. My name is Robert Maggie and I'm here
with my son, Chris Maggie. And don't forget visit our website,
Maggie Tax dot com and tune in every Sunday at
ten thirty on ABC TV to the Maggie Tax and
Financial Show. So along the way, we get a lot
of clients to come in and we do different plans
for these folks, whether it be income, whether it be
(11:56):
tax planning. But Chris, let's talk about when someone comes
in and they want safety of their money, they want
guaranteed income, and they want you know, longevity where they
have money left over for the kids.
Speaker 3 (12:06):
How do we go about that great question? And you know,
if you're out there listening today, and just give an example.
We had a client that came in three years ago
and we just you knowed reviews each and every year
and they came in with six hundred thousand dollars, and
they retired and they have some income coming in, so
we really didn't need to give them income because they
had two pensions and social securities coming in. So four
income streams that totaled seven thousand dollars a month of
(12:29):
income net after tax, and they only need about five
thousand a month, so they have positive cash flow of
two thousand dollars a month. So they said, well, what
do we do with our six hundred thousand dollars? And
I said, well, what do you want to do with it?
And they sat back and they said, well, we don't
really know, but we do have money in the market,
and we're playing the market and it's going up and down.
And I asked them, as safety of your money important
(12:51):
to you? And they both sat back and they said,
at this phase of the game, absolutely it has, isn't
it to everybody? And I said, no, it's actually not.
We have clients that come in sometimes and you know,
if they lose ten bucks, they can't do that, they
can't stomach that, they can't sleep at night. They have
other clients that come in and if they lose a
couple hundred grand, because the mark goes up and down,
it's not a big deal. It's going to come back.
So my question to you out there is where are you?
(13:12):
And if you are sitting in a volatile account and
you don't want to be, then you need to raise
your hand and pick up the phone and schedule time
to meet with us. If you are on a conservative
account and you want to take more risk with some
of your money, then you need to pick up the
phone and raise your hand and schedule time to meet
with us. But going back to the client who had
six hundred thousand dollars of money, what we did was
(13:33):
we did the color of money. We did bucket planning.
We call it now money, later money, never money. And
when we organize these accounts into different buckets, they had
safety of their money in the short term. They had
long term growth with money on the other side, which
is never to later money. And what we did was
we can deal with the risk with those accounts that
(13:54):
we're not going to touch for ten to fifteen to
twenty years. So we did strategic planning where we made
these buckets where they had control flexibility, and that's where
many people come in. They have no plan, but when
they leave us and they work with us, guess what
they have a plan.
Speaker 2 (14:13):
Here's what I would say to that, because this is
the biggest question. You're right on everything you said, and
it's encouraging to know that when people come in. This
is what we talk about. But here's the big thing.
When I ask people to bring in their statement, as
you know, many of them have a brokerage account, they
have stockspawns, and mutual funds. They have some risk and
no risk. They have some in the fixed account. But
(14:33):
that's not a plan. That's not a plan. That's not
the Maggie plan. That's not an income plan, that's not
a tax plan. And what Chris is referring to, if
you've heard as many times talk about bucket planning, this
is where we can put a plan together for you
based on the money that you have. Now, when we
do a risk tolerance form, and Chris, this is so
important we talk about it. The risk tolerance form tells
(14:53):
us more about a client, what risk they're taking. And
many times you can talk about this more risk than
they even know they are because their advisor doesn't sit
down and tell them that. And that's a big problem, right.
Speaker 3 (15:05):
That's it. I mean, you know, when we do an
announce of your accounts. Many people have just piles of money.
Think about this. You have five statements that come in
the mail, right, three statements. Some stamans won't even come
in the mail. They come every quarter. You might have
an old four one K that you never really look
at anymore, maybe two or three of them, right, because
you've changed your employers. So the bottom line here is
many people have piles of money and there's no concrete
(15:28):
to those piles. They can be tumbled down. Think of it.
You know, they just piles of sand, right, and they
can be blown away by just market fluctuation. Is that
what you want? Or do you want a concrete plan
where if there is wind blowing and storms changing and
things happening and hurricanes and whatever it is, that your
account doesn't move. That's what we need to talk about.
(15:51):
Your color of money. What do you want your money
to do for you? Because if you're looking for a plan,
an investment plan, we can help. And that's why you
pick up the phone. Schedule time to meet with us.
Eight three three, Maggie tax. Let's get a second opinion
on what you currently have and let's do bucket planning
for you.
Speaker 2 (16:05):
And again I challenge all of you if you have
a plan. Now, we're not trying to break a relationship here.
What we're trying to do is when you come in
and we show you a different strategy and then you
sit back and say, wow, my guy or Mike Gal
has not told me that, then we have something to
talk about. Because this is the new rules of retirement.
You have to understand what we're talking about roth conversions
and tax planning and income planning. If your folks are
(16:25):
not talking about that, shame on them, because when it
comes to retirement, you want to make sure that you
have enough coming in, like Chris says, the front door
every month where you can just pick up the check,
cash the check and not worry about the other expenses.
And when you start taking a lot of risk, Chris,
and this is what we see, because that's what they
were taught, take a lot of risks. See if the
market goes up, and you we all know what's going
(16:46):
on with the market goes up, it goes down. But
on our Maggie plan, the way we do it, we
position a lot of money, not a lot of money,
but the portion that you want to be safe in
green buckets, green buckets mean it doesn't go down, it
only goes up.
Speaker 3 (17:00):
No fees to those buckets either, So they could be
safety and no fees, and you don't have to worry
about the resk.
Speaker 2 (17:05):
Which is the biggest question. What's the biggest concern. Everybody
comes in, what's your fee?
Speaker 3 (17:08):
Worried about the fee to play?
Speaker 2 (17:09):
Right?
Speaker 3 (17:10):
But again it's not about that. It doesn't have to
be that way if you want safe money.
Speaker 2 (17:14):
But if you're in a Brokens account and you have
an IRA and you're paying fees, you're paying fees on
an account that should be growing, not going down.
Speaker 3 (17:19):
Well that's it. And if no one's watching it and
it's pretty much just all transactions and you have loads
and commissions, guess what you're not Your account's not doing
what you want it to do. So that's why it's
so important. It's encouraging pick up the phone, schedule time
to meet with us. We have offices standing by. Let
them know that it's urgent that you need to come
in and meet with us. Because when we see retirement,
there's the accumulation phase, there's the distribution phase of your retirement.
(17:43):
Where are you right now? Because if you are approaching
the distribution phase or in the distribution phase, and you
see these big volatility markets go up and they go down.
If that doesn't affect you or scare you, then maybe
you start looking at what's happening, because if it is
is affecting you and worrying you and keeping you up
at night, then maybe now is a time, more than
(18:05):
ever before, to make sure that you get a second
opinion and we can help. Eight three three Maggie Tax, and.
Speaker 2 (18:10):
Don't forget to watch our TV show on Sunday at
ten thirty. We have seminars coming up every month on
a state planning, on tax planning. If you go to
my website, Maggie Tax dot com, they're all listed there.
We do them in libraries so we can educate you.
And that's the whole point for you to come in
and be educated and not be sold. Because once you
understand the ground rules of this income planning, tax planning,
(18:32):
investment planning, market risk, you know all the types of
risks that are out there, the health risk. This is
important for all of you out there. Pick up the
phone eight three three Maggie Tax. Visit our website Maggie
Tax dot com, click on seminars and register for one
of the seminars. They're free and they're educational. Eight three
three Magi Tax and visit the Maggie Tax dot Com
(18:52):
Maggie tax dot Com website on the retirement calculator, click
on Maggie tax dot Com. Give us a call right
now eight three to three Maggie Tex.
Speaker 1 (19:02):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host, 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 Ggi tax dot Com. Or call eight one three
(19:24):
three two two twenty five twenty. That's eight one three
three two two twenty five twenty. Now your host for
the Maggie Tax and Financial Hour, father and son from
Maggie Tax Advisory in Financial Group, Robert and Chris Maggie.
Speaker 2 (19:40):
Welcome back. You're listening to the Maggie Tax and Financial Show.
My name is Robert Maggie and I'm here with my
son Chris Maggie. So we're going to talk about a
lot of things. Don't forget watch your TV show every
Sunday at ten thirty am on ABC TV, and be
sure to visit Maggie tax dot com. And if you
want to make an appointment to see us, we have
operated standing by right now. Give us a call eight
three to three Magi Tax. So let's talk about the
(20:03):
tax freight train, because it's coming, and the tax freight
train that's bearing down on your retirement has picked up
speed and there's no stopping it. Now. We call it
legislative risk, where the Congress can change your rules at
any time and be ready for this. We're talking about
twenty twenty six when the Trump tax cuts expired. So
who's going to pay this huge tax bill when it arrives?
Speaker 3 (20:25):
So?
Speaker 2 (20:25):
Will billionaires pay for it? I don't really think so.
How about major corporations? Probably not. And it's going to
be every day american's like you listening to our show today,
and probably everyone listening to the show has a question
like who's going to pay it? How am I going
to pay it?
Speaker 3 (20:42):
So?
Speaker 2 (20:42):
What are you doing about it? And when the tax
train arrives at your station, we can help. We do
an after tax statement. We can do in the after
tax statement, explain what your debt will be to the
irs and Chris, all they have to do is call
eight three to three MAGI tax. Because I know I'm
trying to make this simple, but it's not simple. Well,
it's very difficult. Based on the amount of money people
(21:02):
have in retirement accounts, am I right around?
Speaker 3 (21:04):
Yeah, let's just make it very simple. If you have
a four one K and IRA four fifty seven plan,
you have an account. These accounts are infected with tax.
So what my dad's talking about here is you might
not think about it now. You might not really have
this in the front of your mind, but you have
these accounts growing. You might look at them. You might
not because you might be in the accumulation mode or
growing and working and really just not even thinking about it.
(21:27):
But what you've done is, yeah, that train has picked
up speed. What I mean by that is a train
where you can't stop it in the future. And what's
gonna happen is that those accounts, as they grow and
they get bigger and bigger and bigger and bigger and bigger,
they're gonna have to pay and they're gonna get huge.
They're gonna get whacked by taxes. And that's the thing.
(21:47):
You can't stop that train, and it's gonna be a
hard crash at the end when you need the money
the most. When you start taking out those funds, you
have to pay Uncle Sam and the irs. And that's
why what's talking about this and your advisor might not
be thinking about it today, but we are. That's why
it's so important to get a second opinion. Pick up
the phone, schedule time to meet with us. We met
(22:09):
with a client last week forty eight and forty five.
They got almost a million dollars sitting in their former
ks and iras and the guy separated from his job.
So now he has the Form one K and he
rolled it over to his IRA. So he said to me,
he said, well what do I do? I said, first off,
let's talk about the risk and what you want your
accounts to do. But second half, you know you don't
have a million bucks here, you got about maybe six fifty.
(22:31):
And he looked at me and he said, well, what
do you mean no, we got a million bucks? I said, no,
not because you have to pay taxes at some points
the after tax statement. So when you come in to
meet with us, we're going to show you that. But
the story behind this is that he said. It was
an AHA moment for him and his wife. He said,
you know what, no one's ever talked about this. We
need to start getting this money out. Now, how do
(22:53):
we do it? What's the most tax efficient way we
can do this? So now we have tax free money
moving forward. And that's what they did. So we created
buckets of tax free money. We paid the little pet
tax on the most strategic wait about going about doing it,
and we could do the same thing for you eight
three to three maggie tax.
Speaker 2 (23:09):
And let me give you another example. We met with
a couple the other day and here's what they did.
They had IRA money and they had Roth money, and
we did their tax return and we showed them that
if they took money out of their IRA up to
the tax bracket their in, they would pay almost the
same amount of tax, but now positioned into a tax
free account. So she asked me, is that really a benefit?
(23:31):
I So we'll think about it in three years if
the Trump tax cuts expire, you're going to have less
taxable money when you have to come out. And the
other thing is she's going to be seventy two in
a couple of years when she has to take out
to R and D. So I showed her that she
would take less out of the IRA and she would
have more tax free money in the roth Christen. It
kind of just blew her away because she had no idea.
(23:53):
And I kept telling people, you have a window between
now and twenty twenty six to do strategic planning.
Speaker 3 (23:59):
That's exactly the right. So the question that we have
for you is do you honestly know how much tax
you will have to pay your partner the irs? So
think about that for am it And if you don't,
unless you can predict what the tax rates will be
in the future, that's what we're talking about. That's the
big unknown. It's a question mark unknown. We have no
idea what the tax rate's going to be in the future.
(24:20):
So you grow these accounts tax deferred. Yeah, it might
be fifteen percent to take the money out today, but
it might be thirty five percent in the future. It
might be depending on the tax brack. It might be
twenty five percent today for you, depending on the income
that you have, but it might be forty five percent
in the future. So you have no idea, and that's
the scary part of this whole thing. Why would you
(24:41):
want to be in a scary environment in the future
and an unknown environment. Well you don't have to.
Speaker 2 (24:46):
But christie with that, because I'll give you a real
to me an example that makes sense. Open your window
like a quarter of the way and that's how much
time you have left before that window closes to stay
in the tax brackets you're in, pay the least amount
of tax, and when that closes, you're going to have
all tax free money.
Speaker 3 (25:05):
What is wrong with that? That's exactly right. So that's
why we're talking about this. If your advisor is not
talking about tax free buckets, you really got to start
thinking about where you're with the right advisor because we
don't talk about taxes. That's our biggest expense. So yeah,
anyone can accumulate your money. You can accumulate yourself. You
don't need an advisor to accumulate. There's a whole bunch
(25:27):
of growth things and investments you can invest out there.
But do you really know the distribution phase or how
to get the money out in the most tax efficient way.
That's what we're talking about. So we can put together
a complete plan. We could do the investment side of this,
we could do the income planning, we could do the
tax planning side the estate planning. And the big thing
we ask everyone today is do you know what you have?
(25:50):
Do you know how much you're going to pay in tax?
And let's just face the truth. If you have a
tax deferred account, you are a partner. So you're in
partnership with uncles am. They're gonna determine how much you
get to spend in retirement unless you do something about it.
Speaker 2 (26:06):
Yeah, before the twenty twenty five Trump tax cuts expire,
and you know, for all of us, we were going
to have an increase in taxes. But I always ask
the question, what are you doing about it? Well, everybody's
complaining about it and moaning about it. Well that's not
the answer. Would you like to know? Give us a
call eight three to three Magi Tax. Let's sit down
and do an after tax stament. It doesn't cost you anything,
(26:29):
and visit Maggie tax dot com and schedule the time
that we can discuss what I call the tax freight
train eight three three Maggie Tax. Because for years we've
been talking about the tax freight train bearing down on
all of us, and a lot of advisors are not
talking about that talking about just you know, getting higher gains. Well,
that's that's not true either. You know, we've been teaching
all of you how important it is to invest in
(26:51):
tax free accounts like a tax free raw well, cash
value life insurance. Is your advisor talking about that. We've
helped many of you do strict TA tax planning. Write
that down, strategic tax planning. What a strategic mean? You
do it in a way that you're going to benefit, Okay,
to avoid the tax freight train. And there's a movie
all of you should watch. It's called The Power of Zero.
(27:13):
The tax train is coming and I personally have moved
my wealth to tax free accounts, including cash value life
insurance and ROTH tax free accounts. You should do the same.
Eight three three Maggie Tax and visit Maggie tax dot com. Folks.
I have webinars on there that you can sit and
watch about the WROTH in the four to one K
that Chris and I talk about every week, Sit down
(27:34):
for thirty minutes and take a look at it. And
you know there's a second risk that all of us
is going to be faced. It's called longevity risk. And Chris,
no one talks about longevity risk.
Speaker 3 (27:43):
Absolutely. You know all advisors talk about market risk, Well,
what about sequence of return risk? Do you know what
that is?
Speaker 1 (27:50):
You know?
Speaker 3 (27:50):
We do? You know what kind of risks are you
associated with that You're just not aware of? What about
long term care risk? As your adviser talking about that,
well we do. What about the big one inflation risk?
And what about legislative risk? Do you all know what
that means? It's when Congress can change the rules. Why
(28:12):
are we entering in the game of putting money into
an IRA in four one K where we don't even
know what the rules are. That's why would you go
into a board game without knowing the rules, especially with
your retirement and I'm talking about when the rules are
not even established because they can change the tax rates.
Uncle Sam can change them. They could be twenty five
(28:34):
percent today, they could be forty five percent tomorrow or
in five years from now when you need the money
most So why you playing the game if you don't
know the rules they are written in pencil. We can't
just think about market returns and risk that way. We
have to start thinking about tax risk, legislative risk, and
that's what we're talking about. So pick up the phone,
(28:55):
schedule time to meet with us A three to three
Maggie Tax.
Speaker 2 (28:58):
Yeah. In the enidote to a longevity risk is guaranteed
lifetime income, inflation adjusted income. Who's talking to you about that?
That's why we talk about bucket planning, which we'll get
into on another show, because bucket planning is the most
powerful planning you could do. Where you have income and
you have growth, and then you have later money. Do
you know how much money you're going to need in retirement?
(29:20):
Ask yourself that question, because that's the question we ask
every single one coming in solid security pension. Is that
going to be enough? And if not? Why not? And
here's what the math and science show. A successful retirement
is not about asset allocation, diversification or rates of return. Yeah,
that was true during your accumulation phase. But stop and
think for a minute. What about during your retirement. It's
(29:43):
all about curving basic lifetile expenses with guaranteed inflation income
planning in retirement, it's not about assets anymore. It's about
guaranteed income. A successful retirement is really a do it
yourself project. Take the time to meet with Maggie Tax
and meet with the qualified experience Advisor. We've helped so
many people out there by making a few simple tweaks
(30:04):
to your portfolio now and you can start reducing your
future tax bill and make sure your retirement income less
for the rest of your life. Eight three three Magi Tax.
Speaker 3 (30:13):
Ye, and be sure to visit our website Maggi tax
dot com. And don't forget tune in every Sunday on
ABC TV at ten thirty AM for the Maggie Tax
and Financial Show. You know, we have clients that want
to eliminate Uncle Sam forever and they are in a
zero percent tax bracket forever moving forward. If you want
to be let's explore that as well. Eight three to
(30:35):
three Magi Tax. When you come in and meet with us,
we're going to review your tax risk, your income risk,
your market risk, your long term care risk, your longevity risk.
These are things we do each and every day to
help you pick up the phone, schedule time to meet
with us. Eight three three Magie Tax and visit our
website at Maggi tax dot com. There's so much information
(30:57):
right there at your fingertips. We have officers on both
sides of the bank three locations Too Healthy eight three
to three, Maggie Tax.
Speaker 1 (31:07):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host, 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
m a gg I tax dot com or call eight
(31:28):
one three three two two twenty five twenty. That's eight
one three three two two twenty five twenty. Now your
host for the Maggie Tax and Financial Hour, father and
son from Maggie Tax Advisory and Financial Group, Robert and
Chris Maggie.
Speaker 2 (31:45):
Welcome back, and you're listening to the Maggie Tax and
Financial Show. And today we've been talking about tax risk
and legislative risk and a whole bunch of other things.
But what thing I want to bring back this is
for the person out there that you know has been
investing in this for a long time. In the advisor community,
they learned to identify that risk by they created using
fancy terms like alpha and beta. How many people know that?
(32:06):
And the industry helped create tools like Monte Carlo simulations
to quantify that risk for clients. How many know that? Okay,
I'm not worried about that. Finally, advisors would use those
tools to build asset allocation models to mitigate market risk,
not mitigate tax risk. So the question is, every time
we see a client come in, did you open up
your statement? Do you know what you have? And they
(32:27):
say no, I don't. They don't know about alpha, beta
and all this other stuff. They just look at the
bottom line and they look at how many fees they're paying. Well,
what is the advisor doing for you. He's not doing
tax risk, he's not doing income risk. So what was
he doing? He's just grown your assets. The focus on
accumulating wealth was the primary focus until a few things happened.
The dot com bubble burst, followed shortly there after by
(32:50):
the financial crisis, and suddenly savers were reaching retirement age
with depleted assets and no plan to generate income. And
that problem was compounded by the rear that retirees were
living longer than ever. So none of these advisors talked
about future tax free money or income. And I asked
it before, how much income do you need for the
rest of your life to go to that mailbox every month?
(33:12):
And get the check that you want. Advisors learn to
identify that income risk or a longevity risk. That's what
we do. And suddenly it wasn't enough to just accumulate funds.
Savers needed a plan to make those funds last a lifetime. Chris,
And that's what we see every day now. Because people
are confused, they're isolating, they're angry. Would you think it's
(33:33):
because they got the wrong information, they were taught the
wrong language.
Speaker 3 (33:37):
Well, this is what's happening. People come into tax preparation
and guess what when they're not clients of ours, they're
clients of other advisers. They come in and they say,
I want to get a plan, So we do the
taxes for them, and guess what. They're upset They have
to pay a tax liability and they said, well, my
advisor never showed me a tax plan. So what if
you could have a plan where you have buckets of
(33:57):
money Just think about this for a sec What if
you have buckets of money that have growth with investments
that are allocated the right way to your risk tolerance.
What if you have a couple other buckets that generate
guaranteed income so you can go to the mailbox each
and every month and grab that check and spend the
heck out of it and do it all over again
for the rest of your life. And what if you
have like an inflation bucket right you can always tap
(34:18):
into so when things hit the fan, you can always
tap into and have income so you don't have to
worry about the inflation or running out of money. Then
what if you had those buckets, every one of them,
make sure that they pass to where you want it
to go and avoid the probate process. Then what if
you had some of those buckets that are tax free,
so when you use taxes every year, you take some
(34:41):
from a taxable environment, some from a tax free and
you can stay under the threshold income so maybe you
don't have to file a tax return or your effective
tax rate is very low. That's how you do planning.
What if you can have that, Well, that's what the
Maggie Plans all about. That's the holistic plan that we do.
It's not about just giving your money, let me manage
it for you. Anybody can do that. There's more to it.
(35:03):
So when you think about what's happening right now, you're
following the crowd, you're the same as every one of
people out there. And there's a small percentage of people
out there that actually have what I just talked about.
Because there's so many people out there that don't know
what to do. If you're listening today, I urge you
to pick up the phone, schedule a time to meet
with us, get a second opinion on your plan. Eight
(35:25):
three three MAGI tax. That's eight three to three magi tax.
Speaker 2 (35:28):
So the question is how do you make your money
last a lifetime? And what happened things change in this industry.
Annuities came out guaranteed income riders that people have. That
was the perfect solution to provide a guaranteed check and
clients could retire and outlive their money. In the year
two thousand, advisors became experts in income planning, addressed this
(35:49):
major concern and that's what we do. And shortly thereafter,
most advisors across the industry were using annuities to offset
income risk. Now, don't panic when I say the word annuities,
because if you look at your Social Security and your pension,
that's an annuity. So think about it. You just don't
understand the language and how they apply. And some may
be bad I get it, Chris understands. But until you
(36:10):
sit down and see how the annuity process works. You
want guaranteed income for life, you want a certain amount,
we can help you. So today the headlines are all
about taxes. All they just bypassed everything, They shoved it
under the blanket. Advisors who understand tax risks today, like
we do with Maggie, tax are the reason why we
are successful. Many of you know us. Many of you
(36:31):
come in and see us and you understand the plan,
and we do complete planning. And I'll say it again,
you do not have a complete plan if you do
not have a tax plan or an income plan. And
we can apply the same financial process we use to
address market and income risks. We want to help clients
identify your tax risk, quantifying dollars and cents. That's the
bottom line. People say, Bobby, Chris, how much am I
(36:53):
going to get? Bottom line? And let us find the
tools to reduce that risk. That's up to you. You
have to tell us that's what's concerning you income, Is
it taxes or it's all the above, Because the biggest
thing we hear, Chris is the market. The market, Oh
it's up. We're making money. No, you're not. You got
It's not all yours until it crashes, and then it crashes,
then you lose what, you lose all that you think
(37:15):
you had. That is not a plan for retirement, Chris.
I mean, I'm sorry, I get upset, but this is
what people come in. They think the market is the
best thing in the world for what For growth, yes,
but for retirement you got to start thinking about change
and looking at it through a different lens.
Speaker 3 (37:29):
Absolutely, and that's where there's the complete process. You know
we talked about early on the show. Yeah, you're up
at halftime and it's great, you're all excited, but guess what.
The second half comes around, and that's where Uncle Sam is.
He comes out. That's a silent partner that's there on
the other team that you do not see. And that's
what we're showing you today. So when we think about
big picture, we get it. We have people retire each
and every day. You retire once, so we retire each
(37:53):
and every day, and we can show you how it's
going to look. So think of the phone and schedule
time to meet with us. We have office on both
sides of the We do a radio show. Obviously, we
do a TV show every Sunday on ABC TV at
ten thirty am. Tune in watch, go to our website
Maggie Tax dot com. See what we do. If you're
listening today. If you do not have a plan, we
(38:14):
can help. If you want an income plan, a tax plan,
an investment plan, and a state plan, a social security
maximization plan, we can help. What are you doing? If
you do not have a plan, you need to get
one a three to three magi tax. We look forward
to working with you. Forward a meeting with you. Get
the Maggie Plan tax planning, income planning, investment planning, social
security planning, a state planning. Get a plan you deserve
(38:37):
eight three three magi tax. That's eight three to three
a tax.
Speaker 1 (38:42):
You've been listening to the Maggie Tax on Financial Hour
discussing tax planning investment strategy is presented by Robert and
Chris Maggie from Maggie Tax Advisory and Financial Services with
offices in Hillsboro and Panelas County. Visit Maggi Tax dot
com or call eight one three three two two twenty
five twenty. That's eight one three three two two twenty
(39:04):
five twenty and tune in next Saturday at five for
the Maggie Tax and Financial Hour,
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