May 28, 2026 • 38 mins
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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 is living it up when you retire by taxing
your hard earned money. Welcome to the Maggie Tax and
Financial Show with Robert and Chris Maggie of Maggie Tax
and Wealth Advisors. With over four decades of combined experience
and tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement nest day from Uncle Sam. Call them at
eight three three Maggie Tax or online at Maggie Tax
dot com. And now your host for the Maggie Tax
and Financial Show, Robert and Chris Maggie.
Speaker 2 (00:41):
Welcome to the Maggie Tax and Wealth Advisors Show. And
this is the program where common sense planning meets real
world retirement success. Welcome everyone. I'm Chris Maggan. I'm here
with my dad and coast of the show Robert Maggie
and feel fear to visit our website, Maggie Tax dot com.
There's so much information right there at your fingertips eight
three three Maggie Tax Pick up the phone, schedule time
to meet with us. We have offics on both sides
(01:03):
of the bay. So whether you're driving, you're cooking, you
walking the dog, or even maybe you're hiding from the
bills or maybe hiding from doing your taxes, don't worry.
You're in the right place. This is the show where
we take the complicated, confusing world of taxes and retirement
and we break it down so clearly that even your
cousin Eddie could understand it. So welcome everyone. I'm Chris Maggie,
and I welcome my dad Coast of the show, Robert Maggie.
Speaker 3 (01:25):
Welcome everyone, and thanks for joining us today. And I'm
here with my son Chris, and I am Robert Maggie.
So today we have a lot that we're going to
talk about. We've got a powerhouse of a show lined up,
so get some paper and pencil and start taking notes.
There's a lot of good things here because like it
or not, the financial landscape is shifting underneath us, and
slowly for some of us and very quickly for others.
Speaker 2 (01:47):
We're entering a moment where timing matters, strategy matters, and yes,
taxes matter more than ever before. So here's what we're
going to dive in today. We're going to talk about
rothology and many people out there really have no idea
how to get from taxable buckets to tax free. So
a smarter, more intentional way to build a tax free
income stream that can last you the rest of your life,
(02:08):
and we can do that. We can show you how
that works. No surprises, no last minute tax bills, no
donating half of your retirement to Uncle Sam, because retiring
tax free is the way to go, and most advisors
just don't know how to get there. You need to
have a plan to get there. So that's what we're
first going to dive into. Second, we want to talk
about solid security maximization. Many people talk about when's the
(02:29):
best time to take it? When should I take it?
They've done the analysis, they haven't, They don't know. They
just get this pdf showing values and when they can
get when they take it at certain ages. What does
that really mean to you? So we'll dive into that,
and we'll also talk about retirement income sequencing. And this
is so important because the order you pull money from
your accounts and retirement can mean paying more in taxes
(02:52):
or paying less in taxes. So it sounds simple, but
like as I mentioned, getting it wrong could accidentally shrink
your nest egg by years. You can run out of money,
you can pay more in tax. We don't want that
to happen. So last thing we want to talk about
it is the Maggie plan, putting in this all together,
making sure that you have a plan, an income plant,
a tax plan, an investment plan, a social security maximization plan,
(03:12):
and also a state planned. So take up the phone,
schedule time to meet with us. Eight three to three
Maggie tax. There's so much information right there at your fingertips.
Eight three three Maggi tax. So let's dive in. Let's
talk about the rowthology method.
Speaker 3 (03:25):
Okay, because here's the truth. Many people don't understand about
a rough conversion. But you don't have to sit around
hoping Congress keeps taxes low. I think that's the main
thought that people out. Let's wait for taxes to go low.
You don't have to cross your fingers and pray for
retirement that you won't get eaten alive by taxes, because
you all know taxes go up. So you can take control.
(03:46):
That's the main thing. Take control. You can build a
retirement income stream that's insulated intentional and yes, the keyword
Chris mentioned before, say it tax free, all right, because
that's the thing people are asking for, but they're afraid
to cross that bridge to get to where it's going
to be tax free. And that's where the Rothologist method
comes in that Chris and I talking about. And this
(04:07):
isn't just a Wroth conversion. This is a structured, strategic,
step by step approach to transforming your taxable future into
a tax free lifestyle. Let's break this down right to
the heart of it, because this is important. Please take notes.
There's four deep dive insights behind the Rothologists report. It's
not just slam bam here it is. It doesn't work
(04:28):
that way. Wroth conversions turn tax future liabilities into present opportunities.
So every dollar sitting in a traditional IRA or four
oh one K that many of you have out there
is a future tax bill. What tax bill, we don't know.
And the problem is that people wait too long and
then it's too much tax and they go, what can
I do about it? So a Wroth conversion lets you
(04:51):
you pay a tax now at a known historically low rate,
rather than later at a potentially high rate. It's not
just a tax move, it's a long term risk reduction strategy.
And Chris, I think that's where a lot of people
do not figure out. You know, let's wait till April
fifteenth to pay the taxes. Let's wait till we get
the seventy and a half and pay the tax and bam,
then guess what happens?
Speaker 2 (05:12):
Shock comes in. Well, that's just it. You know, many
people don't have a strategy. That's why you need to
have one. So the Wroth conversion a lot of people
talk about, but they really just don't know how to
do it in the most tax efficient way. If you're
going to do it, would you want to meet with
someone who understands taxes, tax planning or who doesn't. And
that's why just pick up the phone schedule time to
meet with us, because we can show you how to
(05:33):
do the Wroth conversion the right way. Wroth conversion done right,
we call it right. And there's a potential way to
do it where you can pay least amount of taxes
so your future income is all tax free. That's what
this is about, future tax free money. And if you
can do that while while having strategic brackets and looking
at them and managing them maximizes the efficiency. Let's elaborate
(05:56):
on that exactly.
Speaker 3 (05:57):
And that's a great point because the Wrothologists method it
isn't about converting every single dollar at once, that's what
most people think out there. It's about filling up your
tax brackets with precision, year by year so you never
pay more tax than necessary. We call it a strategic
conversion and think of it like pouring water into a glass.
You fill it to the line, not over, not under,
(06:20):
to get the perfect result, which means you get a
full glass.
Speaker 2 (06:23):
My gosh, we'll stay right there for a minute because
that's exactly what people need to start thinking. And whether
you're driving, or whether you're walking, or whether you're in
your house, just just listen to the show today. That's
what it's about. So precision. Use that word because it's there.
Precision is what we focus on here at Maggie Tax
Advisor and Wealth Advisors. We help people on the tax
side with precision, with the investment side with precision, and
(06:46):
making sure that you have a complete plan. With precision,
this is you know everything that has to be dialed
in right, because if you don't do it right, you
can overflow the glass and guess what, pay more taxes?
You need to good point? You know you underfill the
glass and guess what you miss the opportun unity. So
how can they eliminate these requirementium distributions and how that
can protect your cash flow?
Speaker 3 (07:06):
Well, it's strategic rollout, it's understanding how you know like
maybe a three year or five year or seven year plan,
will you know bring that tax down. But eliminating required
minimum distribution also protects your cash flow. And think about
a traditional accounts force you to take money out whether
you need it.
Speaker 2 (07:23):
Or not, like an IRA or a form. Ok, if
you stop working, you have to take what they call
the requirement of distribution. So you have to take it,
satisfy it.
Speaker 3 (07:32):
But what can you do additional? Well, if you don't
want it, you know you converted into tax free money,
but there's no required minimum distribution. Let me repeat that.
I had a gentleman the other day, seventy three. He
called me up and he said, Bobby, I'm seventy three.
I have to take out the requirement distribution. He said,
what could I have done if I don't get to
seventy three? Let's say I was sixty three, sixty four
(07:53):
to sixty five? What could I have done? And basically
he could have done a rough conversion. So there's no
requirement of distributions. That means that more control. You have
more flexibility and fewer taxable surprises in your seventies and beyond,
and you decide when to take money Chris, not the irs.
Speaker 2 (08:09):
There is no Wroth convert, there's no roth IRA requirement
and distributions correct with a regular IRA that you have
to take the required minimum. So if you start converting
and doing strategies with precision, then you can have an
account that you're not required to take the distributions out.
Speaker 3 (08:25):
So stay with that, because yeah, you have to pay
a tax. Someone's sitting out there going, well, I have
to pay the tax. Of course you do. But if
I can show you from the rothologists how it works
that you'd pay least amount of tax and then over
a three, five or seven year period pay no tax,
and then when you get to that required minimum distribution age,
there's no tax.
Speaker 2 (08:42):
There's no tax at all. Would you rather have tax
free or taxable? Again, which just flows into what we're
talking about here. Tax free growth compounds faster and lasts longer.
So when your money grows inside a Wrath four one
K or Wroth IRA, every dollar of growth stays yours.
No future tax haircut, no shrinking balance is because of
(09:03):
force withdrawals. You know, over ten, twenty, even thirty years,
the difference can be massive, often the difference between comfortable
living and confident retirement living. That's what we're looking for,
so precision. So put together a plan. Give us a
call eight three to three, Magi Tax. There's so much
information to talk about. But if you're interested in a
Wroth conversion and you have investments, let's put together the
(09:26):
right investment slash tax plan for you. Think of the phone,
schedule time to meet with us eight three to three,
Maggie Tax, and visit our website at magiitax dot com.
Speaker 3 (09:35):
You know, Chris, we've all been taught to save on
a tax deferred basis, and nobody told us when we
were younger that when you work for thirty forty fifty
years that when you get to the end, guess what
it is. It's all taxable now and at what rate
we don't know. And remember when taxes are low, and
by the way, taxes are at the lowest point ever.
So why would you not take advantage of paying a
tax on that Wroth account or that IRA rather four
(09:58):
one K to make it a Wroth account. So these
are the things you have to think about. You give
us a call it eight three to three Maggie Tax,
and here's what it is. So now that we've explored
how to build a tax refoundation, let's talk about another
pillar of retirement that can make or break your long
term income, and that's social security. And because while Roth
planning gives you control over taxes, social security gives you
(10:20):
control over timing and timing that translated into tens of
thousands of dollars over your lifetime. Think about that, that's
what you want. So coming up next, we're going to
talk about social Security maximization and how to claim smarter,
not sooner distributions. Eight three to three Maggie Tax. You're
listening to the Maggie Tax and Financial Show. Call us
at eight three to three Maggie Tax. That's eight three
(10:42):
to three Maggie Tax.
Speaker 1 (10:49):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris Maggie Maggie
Tax and Wealth Advisors. For information on how you can
create a tax free retirement, call eight three three Maggie
Tax or visit Maggie tax dot com. Now your host
(11:12):
with Maggie Tax and Wealth Advisors Robert and Chris Maggie.
Speaker 3 (11:16):
Welcome back to the Maggie Tax and Financial Show. My
name is Robert Maggie and I'm here with my son
and co host Chris Maggie. So let's think about this today.
We've talked about taxes, We've talked about building a tax
free engine for your retirement. Now let's shift to something
every retiree has a stake in. It's called social Security.
And most people think social Security is simple and you
(11:37):
hit a certain age, you file and the checks just
start coming in. Chris, that's how simple they think it is.
But here's the truth. Social Security is one of the
most misunderstood under optimized income sources in America. And the
difference between a smart claiming strategy and a rush one
can mean tens of thousands of dollars over your lifetime.
(11:58):
And this isn't just a government it's a financial lever
and when you pull it at the right time. It
can dramatically strengthen your retirement plan. And Chris, in retirement planning,
when you talk about income planning and social security planning
and investment planning, this pays. This plays a major part.
Would you agree totally?
Speaker 2 (12:18):
You know, this is an income source that many people
have the opportunity to have, and we don't know how
long it's going to be there or if they can
change it. But the end of the day, it's a
stream of income. So how do you use this in
your retirement plan? And many people just don't know how
to turn it on, when to turn it on, how
it's going to be taxed, spouse or benefits. What if
you pass away, who gets the hire the two if
(12:38):
you're taking the benefit of your spouse. These are things
that we can break down. So your claiming age directly
impacts your lifetime benefit. And many people come to us
and they just don't know what to do, right, I mean,
they bring in the statement, they've been paying in to
it for so many years. They just don't know that
this is a big deal for them if turning on
the right way. So claiming at age sixty two locks
you in to a permanent reduction up to thirty percent
(13:01):
less for life. I don't know if many people understood
that or even understand that, because waiting until you're full
retirement age, they could be sixty seven. Many years ago
it was sixty five, and then it was based off
your age and when you were born, and then it
could be sixty six and two months. So fra full
retirement age is you need to understand what that is.
So many people wait into age seventy. Well, it can
(13:23):
increase your monthly benefits significantly if you wait, but again,
how long you're gonna live. So this isn't just about
a bigger check, It's about long term income stability. So
how do we get through this with our clients because
many people really just don't know what to do.
Speaker 3 (13:40):
Well, if you have a Social Security report, you can
go to SSA dot gov and you can print one
out yourself. And here's what's gonna tell us when we
run the Social Security Maximization Report. It's gonna show you
at age sixty two, at full retirement, and at age
seventy what you're gonna get. And you do a wonderful
job when you present this because the thing about it
is that people don't really see like social Security grows
(14:01):
at six point two percent to full retirement age, and
then after that it grows at eight percent. And people wonder, well,
why am I getting more? Well, because you're paying into it,
all right, And the thing is that if you take
it early, you lose the benefit of the growth that
you could have had to age seventy And is it
a big deal? Well, that's the question that we ask you.
Do you need the income? Because if you don't need
(14:23):
the income, then you delay. Well, that's just it.
Speaker 2 (14:25):
Every situation is different, right, because what if your life
expectancy isn't that long, are you going to wait to
eight seventy? And then you know what, if you have
health issues and you pass away a seventy four, you
only got four years of benefit, so it might have
made sense for you to take it earlier. That's why
it's so important to do a Social Security maximization review,
especially if you have investments and you're paying taxes and
(14:46):
you have no plan. Let's put together a plan because
we can show you exactly when to take it, how
to maximize your benefit, because if you wait past your
full retirement age, your benefit grows by As my dad
mentioned eight percent per year until eight seventy and that's
guaranteed increase. But you know, no market risk, no volatiley,
no guesswork. But there's nothing else in retirement planning that
offers that kind of predictable return. But again, sometimes that
(15:09):
can be misleading because that's what they want you to do.
They want you to wait, wait, wait, and then less
years for you to take the benefit. So that's why
you have to do this strategically and what we call
with precision exactly.
Speaker 3 (15:22):
And that's where a lot of people really don't understand.
When we do our TV show, we have a segment
on there on Social Security, and I can't tell you
how many calls I get on a Monday saying, what
about the survivor benefit? What about these delayed retirement credits?
You know, what about the spousal benefit, Because it's just
not one piece where you get a check. Look think
about this, We paid into social Security all our lives
(15:43):
and then at the end we have to wait seven
eight years to get the max and even that's not
the max. So you know, don't rely on Social Security
as a retirement benefit because it's just not the way
it's going to be. And again, we run this Social
Security Maximization Report, and I would encourage all of you
to make an appointment with us, bring in your statement
and we can talk through these questions. Because if you
(16:04):
wag past your full retirement age, your benefit grows, like
I said, about eight percent per year until age seventy.
That's a guaranteed increase, no market risk, no volatility, no guesswork,
and there's nothing else in retirement planning that offers that
kind of predictable return. But coordinating benefits with your spouse
can multiply your income. And this is where it gets
(16:25):
interesting because married couples have options spousal benefits, survivor benefits,
timing strategies, and coordination between two incomes. So a well
planned approach can maximize the household income and protect the
surviving spouse from a sudden drop in benefits later in life.
Well that's just it. I mean, think about this.
Speaker 2 (16:44):
If you're this has been and you're getting four thousand
a month and your spouse is getting one thousand a month.
Which usually a lot of people don't know is that
you could get the half of the spouse so benefit
without knowing it exactly. These are things that we have
to look at too. But just say you're getting four
or your spouse getting two. But if you pass away,
say that how this husband passes away, then the spouse
(17:06):
loses her benefit, but she gets this the higher the two,
which is the four. So that means instead of having
six thousand dollars of income every month, she'll have a
reduction to four. So what are you doing? So Social
Security should work with you with your other sources of income.
And that's why if you have investments and you have
other areas, and that's why you do investment planning, and
(17:26):
that's what we do as well. We can show you
with a tax plan, the investment plan, solid security plan
could the best claiming strategy isn't chosen in isolation. We
want it depend on your taxes, your savings, your health,
your longevity expectations, and your income needs. Because when SOLI
security is integrated with your wrath strategy, as we mentioned before,
the pensions that you're getting it maybe future withdrawals, it
(17:48):
becomes a powerful stabilizer in your retirement plants. That's why
we urge you to pick up the phone, schedule time
to meet with us. Eight three three Maggie Tax.
Speaker 3 (17:56):
So now that you understand how to get the most
out of the benefit you spent the lifetime paying into.
Now it's time to talk about something that quietly determines
how long your money actually lasts. Because that's the big question,
how long is my money going to last? And you
know this is important. So when you're sitting there thinking
am I going to outlive my money? Take a look
at Social Security maximization to give you the base so
(18:17):
that you have an idea of how much more you need.
And it may not be as bad as you think.
So up next, we're going to talk about retirement income sequencing,
the order you take your money from your accounts, and
why getting it right can add years of life to
your nest egg. So got to keep this thing going here.
Give us a call eight three to three Maggie Tax.
If you have questions about social Security or taxes, it's
eight three to three Maggie Tax. You're listening to the
(18:39):
Maggie Tax and Financial Show.
Speaker 1 (18:45):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris. Maggie with
Maggie Tax and Wealth advisors. For information on how you
can we eate a tax free retirement, call eight three
three Maggie Tax or visit Maggie tax dot com. Now
(19:07):
you're host with Maggie Tax and Wealth Advisors, Robert and
Chris Maggie.
Speaker 2 (19:12):
Welcome back to the Maggie Tax and Financial Show. Thanks
for tuning in. We are always glad to be here
because there's so much information to talk about. We have
clients that come in each and every week. My gosh,
they they want advice, they want education, they want a plan,
and they haven't had it. And you know, as my
dad and I sit here all the time and we
talk about this, when's the last class you had on
(19:33):
how to make a plan? A financial plan, right, a
tax plan? How do you incorporate all together? And we
just get amazed by people who are in the fifties,
their sixties, their seventies, and they don't have the answers.
And you know, it's not an educational problem for them individually,
it's just pretty much a known problem amongst everybody. They're
(19:56):
not getting the advice, the true advice. I had a
client that called last week. They want to put one
hundred percent of their money in gold, and I said,
think about that. You're putting it all into a speculative investment.
And they said, well, I'm talking to a transactional advisor
with their current advisor. And I said, that's why we
do complete planning. When you work with a fiduciary, someone
has to give you the right advice. And we're not
(20:17):
saying that gold cannot be a part of your plan.
Absolutely it can be, but you can't put one hundred
percent of it in there. So these things we see
data each and every week and we just get amazed.
That's why we do the show because people need to
understand that there are people out there that can help them,
and that's what we do.
Speaker 3 (20:34):
Well, you said it best. I mean, we do the
show every week, been doing it for years. We do
the TV show, the radio show, and every time we
talk about some different topic. People call us on a
Monday or any day during the week and they're always saying, well, gee,
was no one sat down and explained that to you,
because they're not and you don't ask. And if you
don't ask and you don't get the answers, then you're
never going to know, you know, what the real answer
(20:54):
is because you're just out there in a cloud. My
father used to say things like, the hell with it.
I don't want to bother you. No, No, that's not it, folks,
that's not it. You have to bother somebody. Because we
talk today about taxes. How much do you know about taxes?
All you know is that you pay taxes in and
you pay taxes out, okay, and they take more taxes out.
And then we talked about Roth strategy. Who's talking to
(21:15):
you about Roth strategy? How to convert your accounts to
tax free? Nobody? That's why we do the show. And
we talked about social security. And this is so important
because social security is a confusing mechanism for many people
out there. You pay into it, and then when you
want to get it out, you all complain. We all do,
we're not getting enough. So now we're stepping into one
of the most overlooked, the most powerful that I think,
(21:37):
parts of retirement planning. And we're talking about retirement income sequencing. Chris,
What the heck is sequencing? Would you please break that down?
I love to.
Speaker 2 (21:46):
You know, most people think retirement is just about how
much you've saved, but the real truth it's us about
how do you use it. You know, the order in
which we pull money from your accounts can dramatically affect
how long your money lasts. It can affect how much
you pay in tax. It can affect how much risk
you take, and also how stable your income feels. And
(22:07):
get the sequence wrong, and you can unintentionally drain your
nest egg years earlier then necessary. So you need to
get it right, and your money works smooth or smarter
more efficiently, often without you saving a single extra dollar
because you can control the sequence of distribution.
Speaker 3 (22:26):
Would you call it discipline discipline? Right? We talk about
precision discipline too.
Speaker 2 (22:32):
My goodness, you know, most people, it's amazing when we
incorporate taxes, we can tell people and a lot of times,
even a couple of times. Last week, we had a
client that had eighty thousand dollars of income in retirement
and it's not paying a diamond tax. And then we
had a client that's receiving one thousand dollars you know
every week, that's four thousand a month times twelve, you know,
(22:54):
that's forty eight thousand dollars year and pay no tax. Wow, right,
And they have another client that paid received one hundred
and twent thousand dollars a year, ten thousand dollars a
month and not paying a diamond tax. So most people say, wow,
that cannot happen because most people don't understand household security
is taxed. Most people don't understand if you do the
right plan, and you can have tax free buckets forever
(23:14):
and ever and ever. There's nothing wrong with taxable buckets.
But if you know how to take it from the
right source, guess what you can have those examples be
your life.
Speaker 3 (23:23):
You want to tell everybody now you want to make
them come in my gosh, Well that's it.
Speaker 2 (23:28):
So if you're paying too much in tax and you're
in retirement or about to retire, and you don't have
a distribution plan, then you have to pick up the
phone and schedule time to meet with us. I mean,
why would you not Why would you want to pay
more tax than you don't?
Speaker 3 (23:41):
You have to because they don't know, and because they're
afraid to ask the question, and because they might look stupid.
But why would you look stupid if you can avoid
paying taxes and what Chris just mentioned, have the guaranteed
intome you want without sweating it. I mean, come on,
give me a break exactly.
Speaker 2 (23:56):
That's why different accounts have different tax consequences, which we're
going to talk about. You know, you're not choosing just
where you pull money from. You're choosing how much tax
you're going to pay. Our clients can control their tax rate.
Speaker 3 (24:08):
No, it's we talked slow down. You said control the
tax rate. Is it because people take too much out
too soon and then they don't know when they like
they borrow money they owe it back. Is that kind
of simple or confusing?
Speaker 2 (24:24):
It's confusing, but also too it's there's there's taxicble accounts,
there's tax deferred accounts, there's tax free accounts, and they
all behave differently. So a smart sequence blends them in
a way that minimizes their taxes and maximizes longevity. Precisely,
we talked about precision. The word of theay I guess
is precision. Because we're together a plan, whether it's the
(24:46):
social scurity maximization precision strategy, the investment precision strategy, the
roth conversion precisions strategy, how much you're paying tax precision strategy.
Speaker 3 (24:56):
I mean, this is what it's about, right, So you
think you might be better off meeting with someone instead
of just a Chris mentioned it before, a transactional advisor
who says, just throw your money in gold. It's okay,
where's the strategy? Where's the precision there? For income and taxes? Chris?
And it's ridiculous because early withdrawals can protect you from
future tax surprises. And here's what happens. Many retirees avoid
(25:18):
touching their iras early on. I talked about this before,
thinking they're gonna save them. Oh yeah, yeah, you're gonna
save them, all right, you're saving for Uncle Sam's retirement.
But sometimes the best move is to intentionally draw down
tax deferred accounts earlier before you take d RMD's kick in,
and then they force you into hire tax bracket. Folks,
what do you think is gonna happen when you take
(25:38):
money out of your IRA? Taxable? Oh? Is it really? So?
You put that on your income tax return? Yeah, you
get a ten nineion nine.
Speaker 2 (25:44):
You gotta report it shows taxable amount and then gross
amount and taxable amount.
Speaker 3 (25:47):
Guess what does the income tax bracket go up?
Speaker 2 (25:50):
It can be Oh my goodness, wow, it can affect
your social security up to eighty five percent.
Speaker 3 (25:55):
Really has anybody told you, folks? That because we do.
Because when you start talking about tax planning like we
do at Maggie Tax and Wealth Advisors, this is on
your tax return, this is your story. And what Chris
and I do is we read it and then we're
going to tell you the rest of the story. Because
now you're going to sit there and I've seen it
so many times in shock like, oh my god, you
know what do we do now? Well, we're going to
(26:15):
tell you what to do, so you know, even think
about this before the rm ds kick in and force
you into higher tax brackets. Do something about it. Think
about a Roth conversion, because a little planning now can
prevent the tax explosion later. And if you go to
our website, Maggie Tax dot com the top right hand corner,
you'll see the retirement calculator. Go over there, press the
button and it's going to ask you to put some
(26:36):
information in it. Now, you can be as honest as
you want with it, but you can do as real
as you want. And you put those numbers in. It's
going to tell you what your requirement distribution is going
to be, and it's going to tell you what tax
you pay. It's right there. You can't take it away.
That's the time you need to pick up the phone
and give Chris and I a call at Maggie Tax
and Wealth Advisors. Because we do this every day. We
(26:57):
see this every day. You don't, So why don't you
take a look at it from your perspective, from your
view and say, wow, this is my story and Chris,
Now they can make a decision to do something because
they have the right answer in front of them, not
just someone down the block telling them what to do.
Speaker 2 (27:12):
Well, that's just it. And that's why in our last
second we're going to talk about the Maggie Plan. I'm
going to put all us together. But you know, as
of right now, market editions should influence your withdrawal order.
You know, many people don't understand that. That's why you
need to have a plan, have an advisor that's helping you,
a team of people, not just one. You know, pulling
money from the wrong account during a market downturn can
permanently damage your portfolio. Who's talking about your distribution plan?
(27:34):
Do you have a distribution plan? If not, why not?
We can help well a designed, designed design. We talk
about precisions, sequence adapts to market conditions, and that's why
drawing from safer buckets when markets are down, and growth
backet buckets when markets are strong. This protects your long
term balance and reduces the risk of running out of money.
(27:56):
That's why when we meet with clients, the main concern
about whether you have ten thousand or ten million or
forty million, it doesn't matter. The main concern is will
I outlive my money? And the answer is if you
put together the right plan, you won't. That's why coordinating
income sources creates a smoother, long lasting plan.
Speaker 3 (28:16):
Yeah, and that's what we're talking about here. Think about
all the things we're talking about, social security, your pensions,
your roth withdrawals, taxable accounts, and I raise all interact
and the right sequence balances these sources to keep your
tax bracket stable and your income predictable and your portfolio healthy.
It's not about guessing, it's about engineering a sustainable income flow.
(28:39):
This is what all of you are asking for. This
is what you tell us when you come in, Bobby, Chris,
I need more income. I'm paying too much in taxes,
my social security is not enough. We've heard all those
We hear it every day. But this is up to
you to make a decision. To do something about it.
Put a plan together. We call it the Maggie Plan.
It's a tax plan, it's an income plan, it's a
social security plan, it's an investment plan. It's a legacy plan.
(29:03):
What am I missing? What the plan is?
Speaker 2 (29:05):
It? Stay planning. It's a complete plan. You know, that's
what it's about. So if you look for a complete advisor,
pick up the phone, schedule time to meet with us,
because we're serious about helping you. My gosh, you know,
every week we meet with clients and I get disappointed
when I see plans come through my desk and people
I don't have any plans. They just have piles of money,
and what are you doing about it? Most people they're
going up, they're going down. They're taking money from the
(29:25):
wrong spot. They have no idea. And that's why you
have to understand that complete planning. You deserve it. You
don't have to have millions of dollars to have a
complete plan. We can help you. Magi Tax and Wealth Advisors,
Maggi Tax dot Com eight three three Magi Tax. And
remember this retirement isn't just about saving money, it's about
using it wisely. You know, taxes, there's tax timing, there's
(29:48):
Social Security timing, and there's income sequencing. They all work together.
It's like gears in machines. We understand that they all
have to work together because when they're all aligned, you're
retireronment runs smoothly and it's the best feeling in the world.
When clients come in and have income, they have a plan,
they pay leads and taxes, because when they're not well,
(30:09):
that's when people run into trouble, and that's when people complain,
and that's when people get frustrated, and that's when people say,
I'm paying too much in taxes. But at the end
of the day, they don't have a plan. But the
good news here is that you have the knowledge now
and the strategy to take control of your financial future.
All you have to do is pick up the phone,
schedule a time to meet with us. Eight three three
Maggie Tax, Stay tuned, stay informed, and stay intentional. Say precise.
(30:32):
It's about precision because your retirement preserves nothing, nothing less.
Speaker 3 (30:37):
Eight three to three Maggie Tax.
Speaker 1 (30:40):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris Maggie with
Maggie Tax and Wealth Advisors. For information on how you
can create a tax free retirement. Call eight three three
Maggie Tax or visit Maggie tax dot com. Now you're
(31:03):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.
Speaker 2 (31:08):
Thanks for tuning into the Magi Tax and Financial Show.
And today I'm talking about a whole bunch of topics
such as social security maximization, when's the best time to
take it, how it's taxed, what happens if you pass away.
So if you miss that segment, just pick up the phone,
schedule time to meet with us. Eight three three mag attacks.
We can put together your solid security maximization report. We've
also talked about rothology and how to convert money from
(31:30):
a taxable environment to tax free zones. There's ways to
have tax free money for the rest of your life.
There's a strategy behind it. We talked about filling up
the glass to the line, you know, not going over.
How do you do that? Well, these things we can
talk about, we can show you every every plan is different.
Eight three to three mag Atax. We also talked about
income sequencing, and when's the best time to take money
(31:52):
and where to take it from. With precision, we can
show you that. If you missed that topic, my gosh,
you missed a lot, but it's okay. Pick up the phone,
schedule time to meet with us. Eight three three Maggie Tax.
So we're going to finish up today's show talking about
what the Maggie Plans all about. And it's come about
complete planning, so that let's let's dive into that.
Speaker 3 (32:10):
Well, the thing that I can say is that you
now know from the show what most retires never hear.
But knowing isn't enough. Sometimes you don't know what you
don't know. And these people who win in retirement, they're
the ones who act while they still have time. Keep
an open mind, come in and meet with us and
ask questions. You don't have to go to just one advice.
You can go to multiple viars. There's nothing wrong, but
(32:31):
find the one that's going to give you the answers
that you want. So, so what is the Maggi Plan. Well,
the Maggi Plan is a combination of a tax plan.
Because people don't understand taxes, we can help them all
year round, not just you know, the first three months
of the year. That's not it. We have a Maggi
plan is the income plan. Most people out there ask
us the question, and you should be asking yourself do
(32:52):
I have enough income to live? And how am I
going to look in ten twenty thirty years? Do I
have enough income? And what about tax income? Okay, what
about investment income? How many of you out there have
portfolios and Chris can talk about this that haven't been
reviewed that you still have the same portfolio. Chris, and
I had a client in just this week and she
(33:13):
showed me the statement and I said, when's the last
time you looked at it? She said, well, I don't know.
I said, well, whoa time out? What do you mean
you don't know? Well, I just gave it to the
bank and they're doing it. And I looked on it
and Chris, there were negatives there. What does a negative mean?
Speaker 2 (33:25):
Well, it could be like a loss right or withdrawal
or withdrawal. But many people don't even know what they have.
And that's what you brought into my attention. You know,
you came into me and said look at this, and
I did, and I analyzed it, and the client had
losses and we've been in an up market, So what
happens They just accounts weren't handled the right way. So
that's why the investment plan is so important, The tax
(33:46):
plan is so important, the solid security plan is so important.
Speaker 3 (33:49):
What about the estate plan? Well, the estate plan many
of you, I'll ask this question, do you have a
will or a trust? And you should have something because
you should have a power of attorney, a healthcare surrogate.
These are documents that you need. They're not expensive, but
they're very expensive if you don't have them in place.
When someone passes away, and we see this every day,
people come in and say, well, gee, my wife's in
(34:11):
a nursing home and she doesn't we don't have power
of attorney. And some of you might relate to that
because then you can't do anything. Why because then it
goes through probate. What that means is you go call
an attorney and the attorneys are they cheap, Chris or
are they expensive?
Speaker 1 (34:23):
No?
Speaker 2 (34:23):
That's the thing. I mean, you have control and they
could be very expensive depending on how much you have.
And many people don't want to go through that process.
And it's time, it's delays, it's costs. I mean it's
your decision. If you don't put together the right plan,
then guess what you can fall victim to these to
these obstacles.
Speaker 3 (34:41):
You know, there's something that I always say about ensuring
your IRA or your four oh one K, and people
quiver when I say this, life insurance. Well, do you
know life insurance is an investment that's tax free that
I have my IRA insurance so when I pass away,
my family's going to get tax free money and they're
not going to have all those taxes to pay on
the IRA or the four to one K. And you
(35:02):
know why some of you're sitting out there going, well, gee,
I never heard of that because the advisor never told
you about it. That's why, because everybody fears life insurance
and Chris, life insurance is the only one that pays
you while you're alive. So what's wrong with that? If
you have tax free money to pay the bills, so
life goes on so you don't have to go broke
paying taxes.
Speaker 2 (35:18):
Well, many people don't realize is that many people just
think life insurance is a death benefits that also could
be a living benefit to help you pay for care
and long term care and accelerate the death benefit you
for tax free income.
Speaker 3 (35:28):
How do you do that?
Speaker 2 (35:29):
Well, these things we're talking about, So get the Maggie Plan.
You know, we have offices on both sides of the bay.
We do complete planning. Why because we feel that the
machine to work, it needs to work with all these
different areas. Because that's what life's about, is complete planning.
We need to put together an income plan for you
that coordinates with your taxes, with incorporates with your investments,
(35:50):
which incorporates with how you want to leave the money
upon your demise. This is the Maggie Plan. So pick
up the phone, schedule time to meet with us. Eight
three three Maggie tax I had.
Speaker 3 (35:59):
To ask you a question and everyone out there, of
all the Maggie Plan, the tax plan, the income plan,
the investment plan, the estate plan, the insurance plan, which
one you think would be the most important? The complete plan.
What I'm saying is that's what I just did. Is
this pieces right? And they don't put them all together.
That's the thing.
Speaker 2 (36:16):
How can you put together a puzzle together with just
two pieces. That's why they're all important. You need to
have the whole, all the pieces put together so you
can see the big picture.
Speaker 3 (36:26):
Is that right? Yeah, that's what I look at it.
Speaker 2 (36:28):
Yeah, that's why what we do is what we do,
and we've been passionate about this. We've been doing it
for so many years. We have offices on both sides
of the Bay. We do a TV show every Sunday
on ABC TV at ten thirty am on ABC tune in,
and obviously our radio show why because we want to
educate you. There's so much there to talk about. So
throughout today we talked about income sequencing, when it take
(36:48):
money out, rothology, the best best time to do a
Roth conversion. We also talk about sol security maximization. So
this is why it's so important to get the Maggie Plan,
income planning, tax planning, investment planning, legacy planning, a state planning.
Give us a called a three to three MAGI tax.
So now you know what most retires never hear. But
(37:09):
knowing isn't enough.
Speaker 3 (37:10):
And the people who win in retirement I said this before,
are the ones who act while they still have time.
In today's show, made you think or rethink your plan,
That's what we were trying to do. If you realize
you might be exposed to hire taxes, if you want
a retirement strategy built around clarity instead of guesswork, then
this is your moment to take control. Eight three to
three Magi Tax. Call us today, schedule your appointment. Operators
(37:32):
are standing by right now, and let's build a plan
that protects your income, reduces your taxes, and gives you
confidence for the decades ahead. And this is what you
have to do. And make sure you're right back here
next week because we dive into so many topics, more
strategies that can transform the way you rethink your life
and your retirement. Eight three to three Maggie Tax and
unlike then, stay sharp, stay proactive, and keep building the
(37:56):
retirement that you deserve. A three to three Magi Tax.
It's eight three to three Maggie Tax.
Speaker 1 (38:04):
Thank you for listening to Maggie Tax and Financial Show
with Robert and Chris Maggie of Maggie Tax Wealth Advisors.
Listen here five to six pm every Saturday and from
eleven am till noon every Sunday, or anytime on the
free iHeartRadio app. And remember you can pay less tax
with Maggie Tax Program. Content provided by Maggie Tax Wealth
(38:25):
and Advisors. Call them at eight three three Maggie Tax,
or visit them online at maggietax dot com.
All these years you've saved up planning for a secure retirement,
but if you're not careful, it will be the irs
that is living it up when you retire by taxing
your hard earned money. Welcome to the Maggie Tax and
Financial Show with Robert and Chris Maggie of Maggie Tax
and Wealth Advisors. With over four decades of combined experience
and tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement nest day from Uncle Sam. Call them at
eight three three Maggie Tax or online at Maggie Tax
dot com. And now your host for the Maggie Tax
and Financial Show, Robert and Chris Maggie.
Speaker 2 (00:41):
Welcome to the Maggie Tax and Wealth Advisors Show. And
this is the program where common sense planning meets real
world retirement success. Welcome everyone. I'm Chris Maggan. I'm here
with my dad and coast of the show Robert Maggie
and feel fear to visit our website, Maggie Tax dot com.
There's so much information right there at your fingertips eight
three three Maggie Tax Pick up the phone, schedule time
to meet with us. We have offics on both sides
(01:03):
of the bay. So whether you're driving, you're cooking, you
walking the dog, or even maybe you're hiding from the
bills or maybe hiding from doing your taxes, don't worry.
You're in the right place. This is the show where
we take the complicated, confusing world of taxes and retirement
and we break it down so clearly that even your
cousin Eddie could understand it. So welcome everyone. I'm Chris Maggie,
and I welcome my dad Coast of the show, Robert Maggie.
Speaker 3 (01:25):
Welcome everyone, and thanks for joining us today. And I'm
here with my son Chris, and I am Robert Maggie.
So today we have a lot that we're going to
talk about. We've got a powerhouse of a show lined up,
so get some paper and pencil and start taking notes.
There's a lot of good things here because like it
or not, the financial landscape is shifting underneath us, and
slowly for some of us and very quickly for others.
Speaker 2 (01:47):
We're entering a moment where timing matters, strategy matters, and yes,
taxes matter more than ever before. So here's what we're
going to dive in today. We're going to talk about
rothology and many people out there really have no idea
how to get from taxable buckets to tax free. So
a smarter, more intentional way to build a tax free
income stream that can last you the rest of your life,
(02:08):
and we can do that. We can show you how
that works. No surprises, no last minute tax bills, no
donating half of your retirement to Uncle Sam, because retiring
tax free is the way to go, and most advisors
just don't know how to get there. You need to
have a plan to get there. So that's what we're
first going to dive into. Second, we want to talk
about solid security maximization. Many people talk about when's the
(02:29):
best time to take it? When should I take it?
They've done the analysis, they haven't, They don't know. They
just get this pdf showing values and when they can
get when they take it at certain ages. What does
that really mean to you? So we'll dive into that,
and we'll also talk about retirement income sequencing. And this
is so important because the order you pull money from
your accounts and retirement can mean paying more in taxes
(02:52):
or paying less in taxes. So it sounds simple, but
like as I mentioned, getting it wrong could accidentally shrink
your nest egg by years. You can run out of money,
you can pay more in tax. We don't want that
to happen. So last thing we want to talk about
it is the Maggie plan, putting in this all together,
making sure that you have a plan, an income plant,
a tax plan, an investment plan, a social security maximization plan,
(03:12):
and also a state planned. So take up the phone,
schedule time to meet with us. Eight three to three
Maggie tax. There's so much information right there at your fingertips.
Eight three three Maggi tax. So let's dive in. Let's
talk about the rowthology method.
Speaker 3 (03:25):
Okay, because here's the truth. Many people don't understand about
a rough conversion. But you don't have to sit around
hoping Congress keeps taxes low. I think that's the main
thought that people out. Let's wait for taxes to go low.
You don't have to cross your fingers and pray for
retirement that you won't get eaten alive by taxes, because
you all know taxes go up. So you can take control.
(03:46):
That's the main thing. Take control. You can build a
retirement income stream that's insulated intentional and yes, the keyword
Chris mentioned before, say it tax free, all right, because
that's the thing people are asking for, but they're afraid
to cross that bridge to get to where it's going
to be tax free. And that's where the Rothologist method
comes in that Chris and I talking about. And this
(04:07):
isn't just a Wroth conversion. This is a structured, strategic,
step by step approach to transforming your taxable future into
a tax free lifestyle. Let's break this down right to
the heart of it, because this is important. Please take notes.
There's four deep dive insights behind the Rothologists report. It's
not just slam bam here it is. It doesn't work
(04:28):
that way. Wroth conversions turn tax future liabilities into present opportunities.
So every dollar sitting in a traditional IRA or four
oh one K that many of you have out there
is a future tax bill. What tax bill, we don't know.
And the problem is that people wait too long and
then it's too much tax and they go, what can
I do about it? So a Wroth conversion lets you
(04:51):
you pay a tax now at a known historically low rate,
rather than later at a potentially high rate. It's not
just a tax move, it's a long term risk reduction strategy.
And Chris, I think that's where a lot of people
do not figure out. You know, let's wait till April
fifteenth to pay the taxes. Let's wait till we get
the seventy and a half and pay the tax and bam,
then guess what happens?
Speaker 2 (05:12):
Shock comes in. Well, that's just it. You know, many
people don't have a strategy. That's why you need to
have one. So the Wroth conversion a lot of people
talk about, but they really just don't know how to
do it in the most tax efficient way. If you're
going to do it, would you want to meet with
someone who understands taxes, tax planning or who doesn't. And
that's why just pick up the phone schedule time to
meet with us, because we can show you how to
(05:33):
do the Wroth conversion the right way. Wroth conversion done right,
we call it right. And there's a potential way to
do it where you can pay least amount of taxes
so your future income is all tax free. That's what
this is about, future tax free money. And if you
can do that while while having strategic brackets and looking
at them and managing them maximizes the efficiency. Let's elaborate
(05:56):
on that exactly.
Speaker 3 (05:57):
And that's a great point because the Wrothologists method it
isn't about converting every single dollar at once, that's what
most people think out there. It's about filling up your
tax brackets with precision, year by year so you never
pay more tax than necessary. We call it a strategic
conversion and think of it like pouring water into a glass.
You fill it to the line, not over, not under,
(06:20):
to get the perfect result, which means you get a
full glass.
Speaker 2 (06:23):
My gosh, we'll stay right there for a minute because
that's exactly what people need to start thinking. And whether
you're driving, or whether you're walking, or whether you're in
your house, just just listen to the show today. That's
what it's about. So precision. Use that word because it's there.
Precision is what we focus on here at Maggie Tax
Advisor and Wealth Advisors. We help people on the tax
side with precision, with the investment side with precision, and
(06:46):
making sure that you have a complete plan. With precision,
this is you know everything that has to be dialed
in right, because if you don't do it right, you
can overflow the glass and guess what, pay more taxes?
You need to good point? You know you underfill the
glass and guess what you miss the opportun unity. So
how can they eliminate these requirementium distributions and how that
can protect your cash flow?
Speaker 3 (07:06):
Well, it's strategic rollout, it's understanding how you know like
maybe a three year or five year or seven year plan,
will you know bring that tax down. But eliminating required
minimum distribution also protects your cash flow. And think about
a traditional accounts force you to take money out whether
you need it.
Speaker 2 (07:23):
Or not, like an IRA or a form. Ok, if
you stop working, you have to take what they call
the requirement of distribution. So you have to take it,
satisfy it.
Speaker 3 (07:32):
But what can you do additional? Well, if you don't
want it, you know you converted into tax free money,
but there's no required minimum distribution. Let me repeat that.
I had a gentleman the other day, seventy three. He
called me up and he said, Bobby, I'm seventy three.
I have to take out the requirement distribution. He said,
what could I have done if I don't get to
seventy three? Let's say I was sixty three, sixty four
(07:53):
to sixty five? What could I have done? And basically
he could have done a rough conversion. So there's no
requirement of distributions. That means that more control. You have
more flexibility and fewer taxable surprises in your seventies and beyond,
and you decide when to take money Chris, not the irs.
Speaker 2 (08:09):
There is no Wroth convert, there's no roth IRA requirement
and distributions correct with a regular IRA that you have
to take the required minimum. So if you start converting
and doing strategies with precision, then you can have an
account that you're not required to take the distributions out.
Speaker 3 (08:25):
So stay with that, because yeah, you have to pay
a tax. Someone's sitting out there going, well, I have
to pay the tax. Of course you do. But if
I can show you from the rothologists how it works
that you'd pay least amount of tax and then over
a three, five or seven year period pay no tax,
and then when you get to that required minimum distribution age,
there's no tax.
Speaker 2 (08:42):
There's no tax at all. Would you rather have tax
free or taxable? Again, which just flows into what we're
talking about here. Tax free growth compounds faster and lasts longer.
So when your money grows inside a Wrath four one
K or Wroth IRA, every dollar of growth stays yours.
No future tax haircut, no shrinking balance is because of
(09:03):
force withdrawals. You know, over ten, twenty, even thirty years,
the difference can be massive, often the difference between comfortable
living and confident retirement living. That's what we're looking for,
so precision. So put together a plan. Give us a
call eight three to three, Magi Tax. There's so much
information to talk about. But if you're interested in a
Wroth conversion and you have investments, let's put together the
(09:26):
right investment slash tax plan for you. Think of the phone,
schedule time to meet with us eight three to three,
Maggie Tax, and visit our website at magiitax dot com.
Speaker 3 (09:35):
You know, Chris, we've all been taught to save on
a tax deferred basis, and nobody told us when we
were younger that when you work for thirty forty fifty
years that when you get to the end, guess what
it is. It's all taxable now and at what rate
we don't know. And remember when taxes are low, and
by the way, taxes are at the lowest point ever.
So why would you not take advantage of paying a
tax on that Wroth account or that IRA rather four
(09:58):
one K to make it a Wroth account. So these
are the things you have to think about. You give
us a call it eight three to three Maggie Tax,
and here's what it is. So now that we've explored
how to build a tax refoundation, let's talk about another
pillar of retirement that can make or break your long
term income, and that's social security. And because while Roth
planning gives you control over taxes, social security gives you
(10:20):
control over timing and timing that translated into tens of
thousands of dollars over your lifetime. Think about that, that's
what you want. So coming up next, we're going to
talk about social Security maximization and how to claim smarter,
not sooner distributions. Eight three to three Maggie Tax. You're
listening to the Maggie Tax and Financial Show. Call us
at eight three to three Maggie Tax. That's eight three
(10:42):
to three Maggie Tax.
Speaker 1 (10:49):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris Maggie Maggie
Tax and Wealth Advisors. For information on how you can
create a tax free retirement, call eight three three Maggie
Tax or visit Maggie tax dot com. Now your host
(11:12):
with Maggie Tax and Wealth Advisors Robert and Chris Maggie.
Speaker 3 (11:16):
Welcome back to the Maggie Tax and Financial Show. My
name is Robert Maggie and I'm here with my son
and co host Chris Maggie. So let's think about this today.
We've talked about taxes, We've talked about building a tax
free engine for your retirement. Now let's shift to something
every retiree has a stake in. It's called social Security.
And most people think social Security is simple and you
(11:37):
hit a certain age, you file and the checks just
start coming in. Chris, that's how simple they think it is.
But here's the truth. Social Security is one of the
most misunderstood under optimized income sources in America. And the
difference between a smart claiming strategy and a rush one
can mean tens of thousands of dollars over your lifetime.
(11:58):
And this isn't just a government it's a financial lever
and when you pull it at the right time. It
can dramatically strengthen your retirement plan. And Chris, in retirement planning,
when you talk about income planning and social security planning
and investment planning, this pays. This plays a major part.
Would you agree totally?
Speaker 2 (12:18):
You know, this is an income source that many people
have the opportunity to have, and we don't know how
long it's going to be there or if they can
change it. But the end of the day, it's a
stream of income. So how do you use this in
your retirement plan? And many people just don't know how
to turn it on, when to turn it on, how
it's going to be taxed, spouse or benefits. What if
you pass away, who gets the hire the two if
(12:38):
you're taking the benefit of your spouse. These are things
that we can break down. So your claiming age directly
impacts your lifetime benefit. And many people come to us
and they just don't know what to do, right, I mean,
they bring in the statement, they've been paying in to
it for so many years. They just don't know that
this is a big deal for them if turning on
the right way. So claiming at age sixty two locks
you in to a permanent reduction up to thirty percent
(13:01):
less for life. I don't know if many people understood
that or even understand that, because waiting until you're full
retirement age, they could be sixty seven. Many years ago
it was sixty five, and then it was based off
your age and when you were born, and then it
could be sixty six and two months. So fra full
retirement age is you need to understand what that is.
So many people wait into age seventy. Well, it can
(13:23):
increase your monthly benefits significantly if you wait, but again,
how long you're gonna live. So this isn't just about
a bigger check, It's about long term income stability. So
how do we get through this with our clients because
many people really just don't know what to do.
Speaker 3 (13:40):
Well, if you have a Social Security report, you can
go to SSA dot gov and you can print one
out yourself. And here's what's gonna tell us when we
run the Social Security Maximization Report. It's gonna show you
at age sixty two, at full retirement, and at age
seventy what you're gonna get. And you do a wonderful
job when you present this because the thing about it
is that people don't really see like social Security grows
(14:01):
at six point two percent to full retirement age, and
then after that it grows at eight percent. And people wonder, well,
why am I getting more? Well, because you're paying into it,
all right, And the thing is that if you take
it early, you lose the benefit of the growth that
you could have had to age seventy And is it
a big deal? Well, that's the question that we ask you.
Do you need the income? Because if you don't need
(14:23):
the income, then you delay. Well, that's just it.
Speaker 2 (14:25):
Every situation is different, right, because what if your life
expectancy isn't that long, are you going to wait to
eight seventy? And then you know what, if you have
health issues and you pass away a seventy four, you
only got four years of benefit, so it might have
made sense for you to take it earlier. That's why
it's so important to do a Social Security maximization review,
especially if you have investments and you're paying taxes and
(14:46):
you have no plan. Let's put together a plan because
we can show you exactly when to take it, how
to maximize your benefit, because if you wait past your
full retirement age, your benefit grows by As my dad
mentioned eight percent per year until eight seventy and that's
guaranteed increase. But you know, no market risk, no volatiley,
no guesswork. But there's nothing else in retirement planning that
offers that kind of predictable return. But again, sometimes that
(15:09):
can be misleading because that's what they want you to do.
They want you to wait, wait, wait, and then less
years for you to take the benefit. So that's why
you have to do this strategically and what we call
with precision exactly.
Speaker 3 (15:22):
And that's where a lot of people really don't understand.
When we do our TV show, we have a segment
on there on Social Security, and I can't tell you
how many calls I get on a Monday saying, what
about the survivor benefit? What about these delayed retirement credits?
You know, what about the spousal benefit, Because it's just
not one piece where you get a check. Look think
about this, We paid into social Security all our lives
(15:43):
and then at the end we have to wait seven
eight years to get the max and even that's not
the max. So you know, don't rely on Social Security
as a retirement benefit because it's just not the way
it's going to be. And again, we run this Social
Security Maximization Report, and I would encourage all of you
to make an appointment with us, bring in your statement
and we can talk through these questions. Because if you
(16:04):
wag past your full retirement age, your benefit grows, like
I said, about eight percent per year until age seventy.
That's a guaranteed increase, no market risk, no volatility, no guesswork,
and there's nothing else in retirement planning that offers that
kind of predictable return. But coordinating benefits with your spouse
can multiply your income. And this is where it gets
(16:25):
interesting because married couples have options spousal benefits, survivor benefits,
timing strategies, and coordination between two incomes. So a well
planned approach can maximize the household income and protect the
surviving spouse from a sudden drop in benefits later in life.
Well that's just it. I mean, think about this.
Speaker 2 (16:44):
If you're this has been and you're getting four thousand
a month and your spouse is getting one thousand a month.
Which usually a lot of people don't know is that
you could get the half of the spouse so benefit
without knowing it exactly. These are things that we have
to look at too. But just say you're getting four
or your spouse getting two. But if you pass away,
say that how this husband passes away, then the spouse
(17:06):
loses her benefit, but she gets this the higher the two,
which is the four. So that means instead of having
six thousand dollars of income every month, she'll have a
reduction to four. So what are you doing? So Social
Security should work with you with your other sources of income.
And that's why if you have investments and you have
other areas, and that's why you do investment planning, and
(17:26):
that's what we do as well. We can show you
with a tax plan, the investment plan, solid security plan
could the best claiming strategy isn't chosen in isolation. We
want it depend on your taxes, your savings, your health,
your longevity expectations, and your income needs. Because when SOLI
security is integrated with your wrath strategy, as we mentioned before,
the pensions that you're getting it maybe future withdrawals, it
(17:48):
becomes a powerful stabilizer in your retirement plants. That's why
we urge you to pick up the phone, schedule time
to meet with us. Eight three three Maggie Tax.
Speaker 3 (17:56):
So now that you understand how to get the most
out of the benefit you spent the lifetime paying into.
Now it's time to talk about something that quietly determines
how long your money actually lasts. Because that's the big question,
how long is my money going to last? And you
know this is important. So when you're sitting there thinking
am I going to outlive my money? Take a look
at Social Security maximization to give you the base so
(18:17):
that you have an idea of how much more you need.
And it may not be as bad as you think.
So up next, we're going to talk about retirement income sequencing,
the order you take your money from your accounts, and
why getting it right can add years of life to
your nest egg. So got to keep this thing going here.
Give us a call eight three to three Maggie Tax.
If you have questions about social Security or taxes, it's
eight three to three Maggie Tax. You're listening to the
(18:39):
Maggie Tax and Financial Show.
Speaker 1 (18:45):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris. Maggie with
Maggie Tax and Wealth advisors. For information on how you
can we eate a tax free retirement, call eight three
three Maggie Tax or visit Maggie tax dot com. Now
(19:07):
you're host with Maggie Tax and Wealth Advisors, Robert and
Chris Maggie.
Speaker 2 (19:12):
Welcome back to the Maggie Tax and Financial Show. Thanks
for tuning in. We are always glad to be here
because there's so much information to talk about. We have
clients that come in each and every week. My gosh,
they they want advice, they want education, they want a plan,
and they haven't had it. And you know, as my
dad and I sit here all the time and we
talk about this, when's the last class you had on
(19:33):
how to make a plan? A financial plan, right, a
tax plan? How do you incorporate all together? And we
just get amazed by people who are in the fifties,
their sixties, their seventies, and they don't have the answers.
And you know, it's not an educational problem for them individually,
it's just pretty much a known problem amongst everybody. They're
(19:56):
not getting the advice, the true advice. I had a
client that called last week. They want to put one
hundred percent of their money in gold, and I said,
think about that. You're putting it all into a speculative investment.
And they said, well, I'm talking to a transactional advisor
with their current advisor. And I said, that's why we
do complete planning. When you work with a fiduciary, someone
has to give you the right advice. And we're not
(20:17):
saying that gold cannot be a part of your plan.
Absolutely it can be, but you can't put one hundred
percent of it in there. So these things we see
data each and every week and we just get amazed.
That's why we do the show because people need to
understand that there are people out there that can help them,
and that's what we do.
Speaker 3 (20:34):
Well, you said it best. I mean, we do the
show every week, been doing it for years. We do
the TV show, the radio show, and every time we
talk about some different topic. People call us on a
Monday or any day during the week and they're always saying, well, gee,
was no one sat down and explained that to you,
because they're not and you don't ask. And if you
don't ask and you don't get the answers, then you're
never going to know, you know, what the real answer
(20:54):
is because you're just out there in a cloud. My
father used to say things like, the hell with it.
I don't want to bother you. No, No, that's not it, folks,
that's not it. You have to bother somebody. Because we
talk today about taxes. How much do you know about taxes?
All you know is that you pay taxes in and
you pay taxes out, okay, and they take more taxes out.
And then we talked about Roth strategy. Who's talking to
(21:15):
you about Roth strategy? How to convert your accounts to
tax free? Nobody? That's why we do the show. And
we talked about social security. And this is so important
because social security is a confusing mechanism for many people
out there. You pay into it, and then when you
want to get it out, you all complain. We all do,
we're not getting enough. So now we're stepping into one
of the most overlooked, the most powerful that I think,
(21:37):
parts of retirement planning. And we're talking about retirement income sequencing. Chris,
What the heck is sequencing? Would you please break that down?
I love to.
Speaker 2 (21:46):
You know, most people think retirement is just about how
much you've saved, but the real truth it's us about
how do you use it. You know, the order in
which we pull money from your accounts can dramatically affect
how long your money lasts. It can affect how much
you pay in tax. It can affect how much risk
you take, and also how stable your income feels. And
(22:07):
get the sequence wrong, and you can unintentionally drain your
nest egg years earlier then necessary. So you need to
get it right, and your money works smooth or smarter
more efficiently, often without you saving a single extra dollar
because you can control the sequence of distribution.
Speaker 3 (22:26):
Would you call it discipline discipline? Right? We talk about
precision discipline too.
Speaker 2 (22:32):
My goodness, you know, most people, it's amazing when we
incorporate taxes, we can tell people and a lot of times,
even a couple of times. Last week, we had a
client that had eighty thousand dollars of income in retirement
and it's not paying a diamond tax. And then we
had a client that's receiving one thousand dollars you know
every week, that's four thousand a month times twelve, you know,
(22:54):
that's forty eight thousand dollars year and pay no tax. Wow, right,
And they have another client that paid received one hundred
and twent thousand dollars a year, ten thousand dollars a
month and not paying a diamond tax. So most people say, wow,
that cannot happen because most people don't understand household security
is taxed. Most people don't understand if you do the
right plan, and you can have tax free buckets forever
(23:14):
and ever and ever. There's nothing wrong with taxable buckets.
But if you know how to take it from the
right source, guess what you can have those examples be
your life.
Speaker 3 (23:23):
You want to tell everybody now you want to make
them come in my gosh, Well that's it.
Speaker 2 (23:28):
So if you're paying too much in tax and you're
in retirement or about to retire, and you don't have
a distribution plan, then you have to pick up the
phone and schedule time to meet with us. I mean,
why would you not Why would you want to pay
more tax than you don't?
Speaker 3 (23:41):
You have to because they don't know, and because they're
afraid to ask the question, and because they might look stupid.
But why would you look stupid if you can avoid
paying taxes and what Chris just mentioned, have the guaranteed
intome you want without sweating it. I mean, come on,
give me a break exactly.
Speaker 2 (23:56):
That's why different accounts have different tax consequences, which we're
going to talk about. You know, you're not choosing just
where you pull money from. You're choosing how much tax
you're going to pay. Our clients can control their tax rate.
Speaker 3 (24:08):
No, it's we talked slow down. You said control the
tax rate. Is it because people take too much out
too soon and then they don't know when they like
they borrow money they owe it back. Is that kind
of simple or confusing?
Speaker 2 (24:24):
It's confusing, but also too it's there's there's taxicble accounts,
there's tax deferred accounts, there's tax free accounts, and they
all behave differently. So a smart sequence blends them in
a way that minimizes their taxes and maximizes longevity. Precisely,
we talked about precision. The word of theay I guess
is precision. Because we're together a plan, whether it's the
(24:46):
social scurity maximization precision strategy, the investment precision strategy, the
roth conversion precisions strategy, how much you're paying tax precision strategy.
Speaker 3 (24:56):
I mean, this is what it's about, right, So you
think you might be better off meeting with someone instead
of just a Chris mentioned it before, a transactional advisor
who says, just throw your money in gold. It's okay,
where's the strategy? Where's the precision there? For income and taxes? Chris?
And it's ridiculous because early withdrawals can protect you from
future tax surprises. And here's what happens. Many retirees avoid
(25:18):
touching their iras early on. I talked about this before,
thinking they're gonna save them. Oh yeah, yeah, you're gonna
save them, all right, you're saving for Uncle Sam's retirement.
But sometimes the best move is to intentionally draw down
tax deferred accounts earlier before you take d RMD's kick in,
and then they force you into hire tax bracket. Folks,
what do you think is gonna happen when you take
(25:38):
money out of your IRA? Taxable? Oh? Is it really? So?
You put that on your income tax return? Yeah, you
get a ten nineion nine.
Speaker 2 (25:44):
You gotta report it shows taxable amount and then gross
amount and taxable amount.
Speaker 3 (25:47):
Guess what does the income tax bracket go up?
Speaker 2 (25:50):
It can be Oh my goodness, wow, it can affect
your social security up to eighty five percent.
Speaker 3 (25:55):
Really has anybody told you, folks? That because we do.
Because when you start talking about tax planning like we
do at Maggie Tax and Wealth Advisors, this is on
your tax return, this is your story. And what Chris
and I do is we read it and then we're
going to tell you the rest of the story. Because
now you're going to sit there and I've seen it
so many times in shock like, oh my god, you
know what do we do now? Well, we're going to
(26:15):
tell you what to do, so you know, even think
about this before the rm ds kick in and force
you into higher tax brackets. Do something about it. Think
about a Roth conversion, because a little planning now can
prevent the tax explosion later. And if you go to
our website, Maggie Tax dot com the top right hand corner,
you'll see the retirement calculator. Go over there, press the
button and it's going to ask you to put some
(26:36):
information in it. Now, you can be as honest as
you want with it, but you can do as real
as you want. And you put those numbers in. It's
going to tell you what your requirement distribution is going
to be, and it's going to tell you what tax
you pay. It's right there. You can't take it away.
That's the time you need to pick up the phone
and give Chris and I a call at Maggie Tax
and Wealth Advisors. Because we do this every day. We
(26:57):
see this every day. You don't, So why don't you
take a look at it from your perspective, from your
view and say, wow, this is my story and Chris,
Now they can make a decision to do something because
they have the right answer in front of them, not
just someone down the block telling them what to do.
Speaker 2 (27:12):
Well, that's just it. And that's why in our last
second we're going to talk about the Maggie Plan. I'm
going to put all us together. But you know, as
of right now, market editions should influence your withdrawal order.
You know, many people don't understand that. That's why you
need to have a plan, have an advisor that's helping you,
a team of people, not just one. You know, pulling
money from the wrong account during a market downturn can
permanently damage your portfolio. Who's talking about your distribution plan?
(27:34):
Do you have a distribution plan? If not, why not?
We can help well a designed, designed design. We talk
about precisions, sequence adapts to market conditions, and that's why
drawing from safer buckets when markets are down, and growth
backet buckets when markets are strong. This protects your long
term balance and reduces the risk of running out of money.
(27:56):
That's why when we meet with clients, the main concern
about whether you have ten thousand or ten million or
forty million, it doesn't matter. The main concern is will
I outlive my money? And the answer is if you
put together the right plan, you won't. That's why coordinating
income sources creates a smoother, long lasting plan.
Speaker 3 (28:16):
Yeah, and that's what we're talking about here. Think about
all the things we're talking about, social security, your pensions,
your roth withdrawals, taxable accounts, and I raise all interact
and the right sequence balances these sources to keep your
tax bracket stable and your income predictable and your portfolio healthy.
It's not about guessing, it's about engineering a sustainable income flow.
(28:39):
This is what all of you are asking for. This
is what you tell us when you come in, Bobby, Chris,
I need more income. I'm paying too much in taxes,
my social security is not enough. We've heard all those
We hear it every day. But this is up to
you to make a decision. To do something about it.
Put a plan together. We call it the Maggie Plan.
It's a tax plan, it's an income plan, it's a
social security plan, it's an investment plan. It's a legacy plan.
(29:03):
What am I missing? What the plan is?
Speaker 2 (29:05):
It? Stay planning. It's a complete plan. You know, that's
what it's about. So if you look for a complete advisor,
pick up the phone, schedule time to meet with us,
because we're serious about helping you. My gosh, you know,
every week we meet with clients and I get disappointed
when I see plans come through my desk and people
I don't have any plans. They just have piles of money,
and what are you doing about it? Most people they're
going up, they're going down. They're taking money from the
(29:25):
wrong spot. They have no idea. And that's why you
have to understand that complete planning. You deserve it. You
don't have to have millions of dollars to have a
complete plan. We can help you. Magi Tax and Wealth Advisors,
Maggi Tax dot Com eight three three Magi Tax. And
remember this retirement isn't just about saving money, it's about
using it wisely. You know, taxes, there's tax timing, there's
(29:48):
Social Security timing, and there's income sequencing. They all work together.
It's like gears in machines. We understand that they all
have to work together because when they're all aligned, you're
retireronment runs smoothly and it's the best feeling in the world.
When clients come in and have income, they have a plan,
they pay leads and taxes, because when they're not well,
(30:09):
that's when people run into trouble, and that's when people complain,
and that's when people get frustrated, and that's when people say,
I'm paying too much in taxes. But at the end
of the day, they don't have a plan. But the
good news here is that you have the knowledge now
and the strategy to take control of your financial future.
All you have to do is pick up the phone,
schedule a time to meet with us. Eight three three
Maggie Tax, Stay tuned, stay informed, and stay intentional. Say precise.
(30:32):
It's about precision because your retirement preserves nothing, nothing less.
Speaker 3 (30:37):
Eight three to three Maggie Tax.
Speaker 1 (30:40):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris Maggie with
Maggie Tax and Wealth Advisors. For information on how you
can create a tax free retirement. Call eight three three
Maggie Tax or visit Maggie tax dot com. Now you're
(31:03):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.
Speaker 2 (31:08):
Thanks for tuning into the Magi Tax and Financial Show.
And today I'm talking about a whole bunch of topics
such as social security maximization, when's the best time to
take it, how it's taxed, what happens if you pass away.
So if you miss that segment, just pick up the phone,
schedule time to meet with us. Eight three three mag attacks.
We can put together your solid security maximization report. We've
also talked about rothology and how to convert money from
(31:30):
a taxable environment to tax free zones. There's ways to
have tax free money for the rest of your life.
There's a strategy behind it. We talked about filling up
the glass to the line, you know, not going over.
How do you do that? Well, these things we can
talk about, we can show you every every plan is different.
Eight three to three mag Atax. We also talked about
income sequencing, and when's the best time to take money
(31:52):
and where to take it from. With precision, we can
show you that. If you missed that topic, my gosh,
you missed a lot, but it's okay. Pick up the phone,
schedule time to meet with us. Eight three three Maggie Tax.
So we're going to finish up today's show talking about
what the Maggie Plans all about. And it's come about
complete planning, so that let's let's dive into that.
Speaker 3 (32:10):
Well, the thing that I can say is that you
now know from the show what most retires never hear.
But knowing isn't enough. Sometimes you don't know what you
don't know. And these people who win in retirement, they're
the ones who act while they still have time. Keep
an open mind, come in and meet with us and
ask questions. You don't have to go to just one advice.
You can go to multiple viars. There's nothing wrong, but
(32:31):
find the one that's going to give you the answers
that you want. So, so what is the Maggi Plan. Well,
the Maggi Plan is a combination of a tax plan.
Because people don't understand taxes, we can help them all
year round, not just you know, the first three months
of the year. That's not it. We have a Maggi
plan is the income plan. Most people out there ask
us the question, and you should be asking yourself do
(32:52):
I have enough income to live? And how am I
going to look in ten twenty thirty years? Do I
have enough income? And what about tax income? Okay, what
about investment income? How many of you out there have
portfolios and Chris can talk about this that haven't been
reviewed that you still have the same portfolio. Chris, and
I had a client in just this week and she
(33:13):
showed me the statement and I said, when's the last
time you looked at it? She said, well, I don't know.
I said, well, whoa time out? What do you mean
you don't know? Well, I just gave it to the
bank and they're doing it. And I looked on it
and Chris, there were negatives there. What does a negative mean?
Speaker 2 (33:25):
Well, it could be like a loss right or withdrawal
or withdrawal. But many people don't even know what they have.
And that's what you brought into my attention. You know,
you came into me and said look at this, and
I did, and I analyzed it, and the client had
losses and we've been in an up market, So what
happens They just accounts weren't handled the right way. So
that's why the investment plan is so important, The tax
(33:46):
plan is so important, the solid security plan is so important.
Speaker 3 (33:49):
What about the estate plan? Well, the estate plan many
of you, I'll ask this question, do you have a
will or a trust? And you should have something because
you should have a power of attorney, a healthcare surrogate.
These are documents that you need. They're not expensive, but
they're very expensive if you don't have them in place.
When someone passes away, and we see this every day,
people come in and say, well, gee, my wife's in
(34:11):
a nursing home and she doesn't we don't have power
of attorney. And some of you might relate to that
because then you can't do anything. Why because then it
goes through probate. What that means is you go call
an attorney and the attorneys are they cheap, Chris or
are they expensive?
Speaker 1 (34:23):
No?
Speaker 2 (34:23):
That's the thing. I mean, you have control and they
could be very expensive depending on how much you have.
And many people don't want to go through that process.
And it's time, it's delays, it's costs. I mean it's
your decision. If you don't put together the right plan,
then guess what you can fall victim to these to
these obstacles.
Speaker 3 (34:41):
You know, there's something that I always say about ensuring
your IRA or your four oh one K, and people
quiver when I say this, life insurance. Well, do you
know life insurance is an investment that's tax free that
I have my IRA insurance so when I pass away,
my family's going to get tax free money and they're
not going to have all those taxes to pay on
the IRA or the four to one K. And you
(35:02):
know why some of you're sitting out there going, well, gee,
I never heard of that because the advisor never told
you about it. That's why, because everybody fears life insurance
and Chris, life insurance is the only one that pays
you while you're alive. So what's wrong with that? If
you have tax free money to pay the bills, so
life goes on so you don't have to go broke
paying taxes.
Speaker 2 (35:18):
Well, many people don't realize is that many people just
think life insurance is a death benefits that also could
be a living benefit to help you pay for care
and long term care and accelerate the death benefit you
for tax free income.
Speaker 3 (35:28):
How do you do that?
Speaker 2 (35:29):
Well, these things we're talking about, So get the Maggie Plan.
You know, we have offices on both sides of the bay.
We do complete planning. Why because we feel that the
machine to work, it needs to work with all these
different areas. Because that's what life's about, is complete planning.
We need to put together an income plan for you
that coordinates with your taxes, with incorporates with your investments,
(35:50):
which incorporates with how you want to leave the money
upon your demise. This is the Maggie Plan. So pick
up the phone, schedule time to meet with us. Eight
three three Maggie tax I had.
Speaker 3 (35:59):
To ask you a question and everyone out there, of
all the Maggie Plan, the tax plan, the income plan,
the investment plan, the estate plan, the insurance plan, which
one you think would be the most important? The complete plan.
What I'm saying is that's what I just did. Is
this pieces right? And they don't put them all together.
That's the thing.
Speaker 2 (36:16):
How can you put together a puzzle together with just
two pieces. That's why they're all important. You need to
have the whole, all the pieces put together so you
can see the big picture.
Speaker 3 (36:26):
Is that right? Yeah, that's what I look at it.
Speaker 2 (36:28):
Yeah, that's why what we do is what we do,
and we've been passionate about this. We've been doing it
for so many years. We have offices on both sides
of the Bay. We do a TV show every Sunday
on ABC TV at ten thirty am on ABC tune in,
and obviously our radio show why because we want to
educate you. There's so much there to talk about. So
throughout today we talked about income sequencing, when it take
(36:48):
money out, rothology, the best best time to do a
Roth conversion. We also talk about sol security maximization. So
this is why it's so important to get the Maggie Plan,
income planning, tax planning, investment planning, legacy planning, a state planning.
Give us a called a three to three MAGI tax.
So now you know what most retires never hear. But
(37:09):
knowing isn't enough.
Speaker 3 (37:10):
And the people who win in retirement I said this before,
are the ones who act while they still have time.
In today's show, made you think or rethink your plan,
That's what we were trying to do. If you realize
you might be exposed to hire taxes, if you want
a retirement strategy built around clarity instead of guesswork, then
this is your moment to take control. Eight three to
three Magi Tax. Call us today, schedule your appointment. Operators
(37:32):
are standing by right now, and let's build a plan
that protects your income, reduces your taxes, and gives you
confidence for the decades ahead. And this is what you
have to do. And make sure you're right back here
next week because we dive into so many topics, more
strategies that can transform the way you rethink your life
and your retirement. Eight three to three Maggie Tax and
unlike then, stay sharp, stay proactive, and keep building the
(37:56):
retirement that you deserve. A three to three Magi Tax.
It's eight three to three Maggie Tax.
Speaker 1 (38:04):
Thank you for listening to Maggie Tax and Financial Show
with Robert and Chris Maggie of Maggie Tax Wealth Advisors.
Listen here five to six pm every Saturday and from
eleven am till noon every Sunday, or anytime on the
free iHeartRadio app. And remember you can pay less tax
with Maggie Tax Program. Content provided by Maggie Tax Wealth
(38:25):
and Advisors. Call them at eight three three Maggie Tax,
or visit them online at maggietax dot com.
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