June 10, 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 Tampa Bay to the Maggie Tax and Financial Show,
and thanks for joining us today. This is one show
you do not want to miss because we're talking about
a financial storm that's forming right now and one that
could impact every retiree and every dollar that you saved.
So I'm talking about rising taxes. I'm talking about what
they mean for your retire fire. A lot of people
don't think about that and what you can do today
(01:03):
to get ahead of it. And one thing I recommend
go to our website, Maggie tax dot com and on
the top right click on retirement calculator. Folks, this is
something that will make you understand what we're talking about
when it comes to taxes. Click on retirement calculator, filling
the information and in thirty seconds thirty seconds, you're going
to get a report back to tell you what your
tax is going to be when you start taking out
(01:25):
the required minimum distribution. So, Chris, we have a lot
to talk about. Let's get started, and again, welcome every
morn and thank you for joining us.
Speaker 3 (01:32):
That's just it, you know, Welcome everyone. I am Chris
Maggie and as always, great to be here. I love
doing the show. I love educating a lot of people.
Why because you need to know when's the last class
you had on all this information? You know, think about it?
You haven't, you know, when you go to school, they
don't teach this. It's amazing when you get into the
workforce and then you get into retirement and no one's
(01:53):
talking about the accumulation phase and the distribution phase and
how to buy a house and what to do with
taxes and where to put money away, So invest so
you have it for income in the most tax efficient way.
And then you start thinking about when you accumulate all
these investments and and and you start saving, and then
then what do you do if something happens to you?
Is it going to stay in your and your family?
(02:16):
Is are going to go through probate? Is it where's
it going to go? So there's so many things to
think about and things that you have to do to
monitor it throughout. So you mentioned at a financial storm
that's forming right now. My gosh, it is. And we're
talking about rising taxes and we see it each and
every day. We have sales tax right, we have property taxes,
but what about your federal taxes? And many people are
(02:39):
saving right now in form one case, these accounts have
gotten bigger and bigger and bigger and bigger, and these
iras and but guess what, it's a big tax time bomb.
So why are taxes expected to rise? And this is
something that you've got to understand where we're coming from here,
because most advisors are transactional. Most CPAs we talked about
this in the last show, talk about the prior in
(03:01):
the past. Well we're talking about the future. We're talking
about the planning stage. If you spend your life working,
saving and doing everything right, then you deserve to keep
the retirement that you built, not watch it disappear because
tax rates suddenly change. And today we're pulling back the
curtain on rising tax storm that could impact every retiree
in America. And that's why it's so important to listen
(03:23):
up if you want to protect your savings. This is
the segment of the show that you cannot afford to mess.
Speaker 2 (03:28):
So the way we've been taught all our life is
to save on a tax deferred basis, meaning put money
to an IRA A four one K, four H three
b or TSP and many of you have that, So
listen up because this is important. Think about this. What
if we taught our kids to save on a tax
free basis, a tax free basis, not a taxable basis.
(03:49):
Off you're probably listening going, what's he talking about. What
I'm talking about is a rough IRA where it's tax free.
And there's something else that the government has given. It's
called Index Universal Life, and we can't go into it
on the show right now, but I would encourage all
of you to make an appointment and come and meet
with Chris and I. Because when you see these two
options you have, then you're going to start thinking differently.
(04:10):
Why the heck am I saving Chris on a tax
deferred basis when I can have tax free money.
Speaker 4 (04:15):
Let's leave it this way.
Speaker 3 (04:16):
We all drive on a highway, right, So what if
you're cruising down the highway and starting a little crowded,
and then guess what, there's starting to rain, and it's
starting to get muggy, and it's starting to see the
different weather and the storm and happening, and guess what,
that's the road you don't want to be on because
that's where you have these iras and form one case,
(04:37):
eventually you're going to run into a financial storm, and
those are the taxes that you have to pay. But
what if you're on the same freeway, there's no traffic
and you're cruising, You got cruise control on, it's a
nice sunny day, put down the windows, you can breathe
the fresh air, and that's your tax free retirement highway.
That's what we're talking about here. And why are taxes
(04:58):
expected to rise? Why because the US national debt is
skyrocking beyond thirty four trillion dollars. So when debt grows,
taxes almost always follow. And it's not just about now,
it's not just about the next two or three years.
We might get through that where nothing changes, but after that,
when you're in retirement seven years and you haven't worked
(05:19):
twelve years and you haven't worked, and then these start,
these financial storms start to happen. You can avoid it
if you do storm planning now. And that's why it's
so important to pick up the phone, schedule time to
meet with us. Eight three to three Maggi tax. That's
eight three to three maggie tax.
Speaker 2 (05:34):
And we all know this current rates. Their schedule to
expire soon. So if Congress does nothing, tax brackets automatically
jump back to the higher levels. So in two years
when the election comes back. This is not guaranteed, it's
not permanent, that's what I'm looking for. It's temporary. So
you have to do something about it because retirees are
the number one holders of tax deferred money, and that's
(05:56):
where the IRS looks when it needs revenue. You're going
to take the requirement and distribution out when you turn
seventy three. And again, Chris, we can show them the
report that how much it's going to come out at
seventy three, and it could be more than what you'd
take account than you're working.
Speaker 4 (06:12):
That's it.
Speaker 3 (06:12):
So when you come in to meet with us, if
you have an IRA, poom okay, we'll show you what
the amount that has to come out. It's called the
requirement of distribution for some at seventy three. For others
it's if you're born after nineteen sixty, it's aged seventy five.
So you need to know this. We had a client
that came in last week, new client, and they have
an IRA and it's a large sum of IRA. They
(06:33):
had no idea. They're seventy two years old, they have
to take a distribution next year. They had no idea
what the requirement of distribution has to be. And they said, well,
I've been working with my advisor for ten years. And
I said why are you here and they said, well,
because these are things we want to be aware of
and we want a plan. We just have a transactional
advisor that just invests our money, but we want a
complete plan. And that's why they came to meet with us,
(06:55):
and we showed them the R and D and they said, well,
what do I have to have to pay tax on that?
And we show them yes, you do, But then what's
the strategy to get that money out to get on
the highway of tax free? Because taxes are expected to
rise and inflation is driven government costs up, that directly
fuels the need for higher taxes. And most retires are
planning for retirement using today's tax rates, not tomorrow's, which
(07:18):
are expected to be higher. Are you planning for expected
tax rates to be higher? And if you are, then
that's a great thing. But if you're not having even
thought about it, it's so more than to pick up
the phone schedule time to meet with us.
Speaker 4 (07:32):
Eight three three Maggie Tax.
Speaker 2 (07:34):
Okay, so what are we talking about here? What's the solution?
Because at Maggie Tax and Wealth Advisors we use something
called the Rothologist method. This is a step by step
approach to roth conversions and tax smart planning that can
save families thousands over time. So listen carefully. If you're
between fifty five and seventy five, this is your window
(07:55):
of opportunity. This is your solution. So don't wait for
tax laws to change in the future. Sit down with
us and see if a ROTH conversion strategy makes sense
for you, call us at eight three to three Maggie
Tax and visit Maggi tax dot com and Chris. So
many people I think that when we see them there
like afraid to talk about a WROTH. Is that a
good thing or a bad thing. My tax bracket's gonna
(08:15):
go up. I gotta pay more taxes. I don't think
that's the that's wrong because they don't understand how the
rothology report works.
Speaker 4 (08:23):
Well, that's just it. They're not educated.
Speaker 2 (08:24):
You know.
Speaker 3 (08:24):
We talk about this from the beginning of the show.
When's the last class you? I don't how to convert
my money to the ROTH IRA or to tax free buckets?
You don't have those classes right, But here you do.
And that's why it's so important. Every retirement plan that
we put together is different. This is your money, not
your advisor's not your CPS, it's your money. What are
you doing to put together an income plan?
Speaker 2 (08:45):
Exactly?
Speaker 3 (08:46):
What are you doing to put together an investment plan?
What are you doing to put together a tax plan?
What are you doing for your estate plan? What are
you doing for your legacy plan? What about Social Security?
How many people who haven't taken social security? What's your
Social Security maximization plan? Do you have one? So if
you're listening today and you get these questions and they
start going through your head and you're saying I don't
(09:07):
have those things, well that's okay, that's why you're here.
Pick up the phone, schedule time to meet with US
eight three to three Maggie Tax. Because even a small
tax increase can devastate retirement income. A jump from twenty
two percent to twenty eight percent, it's a massive over
a lifetime. Think about that six percent on your income.
Additional why would you not want to keep that or
why would you not want to have that? In a
(09:28):
most tax efficient way. You can pick up the phone,
schedule time to meet with US eight three to three
Maggie Tax.
Speaker 2 (09:34):
So here's what I want all of you to do.
While you're listening, close your eyes for a minute, Just
close your eyes from it and listen to what I'm
going to say. Imagine having a business partner who can
rewrite the rules any time they want, and they can
take a bigger share without asking and do it without warning.
That's exactly what happens with taxes in retirement. And it's
(09:54):
time to finally understand who your silent partner really is.
And Chris, I think so many people do not think
about it that way. But you've got to use simple
terminology an example, that's what's happening to all of you
out there right now. So pick up the phone, give
us a call eight three to three Maggie Tax, and
let us do the Rothology method with all of you.
It doesn't cost you, but it could save you thousands
(10:14):
of dollars in taxes.
Speaker 4 (10:15):
Absolutely.
Speaker 3 (10:16):
So if you're listening and thinking, I had no idea
taxes could change my retirement this much, well, don't worry.
You're in the right place. Awareness is step one and
you've just taken it. So we're so happy that you've
heard this message because coming up next, we're going to
introduce to you the financial partner. You never asked for it,
but you still have and this partner can rise their
(10:37):
share of your savings anytime they want. You don't want
to miss this a three to three Maggie Tax. That's
eight three to three Maggie Tax.
Speaker 1 (10:47):
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
(11:09):
host with Maggie Tax and Wealth Advisors. Robert and Chris Maggie.
Speaker 2 (11:14):
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. And just before we closed
out the first segment, we ask you to do something.
I'm going to ask you to do it again. If
you're just joining us, close your eyes for a minute,
close your eyes from enough. If you're driving, please don't
do it. Don't do it that way. That's not what
I'm asking. But seriously, what I want you to do
(11:35):
is think about what I'm going to say, because this
is where you know it hits home. Imagine having a
business partner who can rewrite the rules anytime they want,
and they can take a bigger share without asking and
do it without warning. That's exactly what happens with taxes
and retirement. It's time to finally understand who your silent
partner really is Christen. Every time we do the rothology report,
(11:56):
and every time we do a Roth conversion and we
show them the that we show them what their tax
is going to be, their eyes open up wide and
they go like, no one ever told me that. My
advisor didn't tell me. Of course he didn't because he's
not tax people. That's the difference of Maggie tax and
wealth advisors, Chris, because we do this with every client
every day, all year round.
Speaker 3 (12:15):
Well, we do complete planning, and you have to understand
that complete planning includes taxes, not just investments. You can
manage your own money. You can put the money that
you have and invest it yourself. Right, But again, how
you incorporate the tax out of it, How you incorporate
the income planning towards it. How do you have income
in the most tax efficient way? How do you pay
less taxes? How do you have your investments? Do different things?
(12:36):
This is what we do. That's why it's so important
to meet with the right advisor because if you have
a transactional advisor, guess what, and they're not talking to
you about taxes, we believe that they're doing a disservice
to you, and it doesn't matter the relationship you've had
with them. If you go to them and say let's
talk about tax and they say, well, I can't talk
(12:56):
about taxes, or you should consult the tax advisor. That
should be your red flag right there to pick up
your stuff and do something, to find someone else to
work with. And I mean that because they're not doing
the right thing for you. It's I go into a
doctor and you have pains and they're not telling you
what you need to do to fix it. And at
the end of the day, this is your money. You've
(13:17):
worked hard for it.
Speaker 4 (13:18):
What are you doing?
Speaker 3 (13:18):
So when you have that business partner who can rewrite
the rules anytime they want, I would not want to
be in a relationship with that partner.
Speaker 2 (13:27):
You know.
Speaker 3 (13:27):
That's a bad business relationship. So your IRA and your
forming K have a tax ioe you attached. You don't
fully own that money. The irs owns a portion of it.
That's the problem here, So what are you doing about it?
So you have to defuse this big tax time bomb
and rmds forced retirees to withdraw money and pay taxes
even when they don't need the income. If that's happening
(13:49):
to you, what are you doing about it? Because most people.
Last week I met with a client and I showed
them that you have to take forty five thousand dollars
out of your overtiment account next year. And they say, well,
we don't need it. What are we gonna do with it?
They'd had no idea, But when we educated them, they said,
oh my gosh, I can leverage my money. I can
do some really cool things to provide tax free money
to my spouse, to my kids and my grandkids. They
(14:12):
thought there was an opportunity of a lifetime. They wished
they knew years ago. So pick up the phone, schedule
time to meet with us. Eight three three Maggie Tax.
Visit our website at Maggie tax dot com. There's so
much information right there at your fingertips. Eight three three
Maggie Tax.
Speaker 2 (14:25):
And well you can look at this, think about this,
higher future tax rates, shrink your withdrawals, because it's simple math.
If you take more out and you have to pay tax,
it's not all yours. I'll give you a big example here.
We meet with a lot of clients that have you know,
five hundred thousand, a million and even more, and this
one gentleman comes in and he says to me, Bobby,
I have a million dollars in my IRA and Chris
(14:47):
and I politely said, no, sir, you don't. And he said,
what do you mean I don't. It says it right
there on the statement. Yeah, that's what it says, but
it's paper. So I said, well, who's going to pay
the taxes? And Chris said to him, you is it
going to be irs or is it going to be
your kids? And we shut him down because he did
(15:08):
he never heard that before from an advisor. So what
we did was we did the illustration that we show
talk about everybody on the Maggie Tax website or retirement
tax bill, and it clearly showed that he's got a
lot of taxes to pay. Chris, right now, what happened?
What happened? He was like, what do I do now?
Because his advisor said, you know, just does the stock
(15:29):
spawns and mutual funds. And look, there's nothing wrong with
an advisor because they grow you money. That's great, but
they should be talking about the rest of the story. Okay,
remember Paul Harvey, many of you tell me the rest
of the story. The rest of the story is taxes,
and Chris, when he realized what he had to do,
he said, well, how can we fix it? And when
we talk about the rithology report, strategically, strategically is the
(15:53):
word that we use because we showed him over five
years how to draw the money, pay the least amount
of tax and have all tax free money.
Speaker 4 (16:00):
You got it.
Speaker 3 (16:00):
You know, higher future tax rates shrink your withdrawals and
same savings and less spending power and more ira withdrawals
can cause more of your social security. You become a
taxable event. It could be double tax hit. You know,
retireers have the least flexibility. Workers can adjust. So my
dad mentioned the if you're fifty to seventy five, you
have to do something now because workers, if you're working,
(16:23):
you can adjust to some of the things. You can
put money away, you can pay the taxes. But retirees
can't simply rebuild their accounts. They're stuck. So you mentioned
an analogy, we'll use it. You know, the football teams
think about the football games that happen, right. You know,
a team could be up thirty to nothing at a halftime,
but guess what, the other team comes back and beats them.
(16:45):
You know, forty one to thirty. Right, So what happens,
that's the IRS. They're coming back and they're going to
get you with these large iras and form one CA's
because of taxes. At the end of the day, who
is going to win. That's your silent partner. So what
are you doing about it? Don't get into business with
a partner who can rewrite their rules anytime they want.
(17:07):
If you're in that relationship, now pick up the phone,
schedule time to meet with us. Eight three three maggie tax.
That's eight three to three maggie tax.
Speaker 2 (17:14):
And here's the thing. If you've never thought of the
IRS as a silent partner in your retirement, well now
is the time to think about it. Now you see
the truth. But the good news is you can take
control back. And that's exactly what we're covering here next
because in the next segment you'll see how you can
do that. But think about this. We talked about the
retirement tax bill. Many of you probably never use it,
(17:35):
but go to our website, put the information in and
if you don't want to be honest with yourself, then
put any number in there. But see what it shows you.
Because your advisor is not talking about it. That's what
we do with Maggie Tax and wealthy advisors. So you know,
don't don't sit there and do nothing, Chris, That's what
happens many times with people.
Speaker 3 (17:53):
That's exactly right. So that's why it's something. It's something
you have to do now. It's because it's your money.
You know. If you've never thought that the RESC could
be a part in your retirement, then think again, because
doing nothing is choosing to let the irs control your income.
You're an unknown question mark future tax trade. Don't let
it happen. So stay with us because next we'll break
down the exact strategies retires are using right now, right
(18:15):
now to reduce lifetime taxes while taxes are still historically low.
So visit our website at Maggie Tax dot com. Eight
three three Maggie Tax and don't forget Every Sunday on ABCTV,
tune into our financial show thirty minutes on ABC at
ten thirty am every Sunday eight three three Maggie Tax.
Speaker 4 (18:36):
Pick up the phone, schedule time to meet with us.
Eight three to three Maggie Tax.
Speaker 1 (18:43):
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
(19:05):
host with Maggie Tax and Wealth Advisors, Robert and Chris.
Speaker 2 (19:09):
Maggie. Welcome back. And one thing I want to say is,
don't wait for a surprise tax bill. Take control now
and give us a call at eight three to three
Maggie Tax. Because just like every December thirty, first the
ball drops in times square, But what about the big
drop in the market or taxes? Are you celebrating that too,
So don't let that happen to you. So the thing is,
(19:29):
I can't afford a big drop now protecting savings from
market volatility? How are you doing that? Are you talking
to the right people? So let's shift gears for a minute,
because if you're within ten years of retirement, already retired,
you probably said this at least once. I can't afford
a big drop now nobody can really, I don't care
what time if it is. And you're right when you're working.
(19:51):
Market dips are annoying. When you're retired, they can be devastating.
Why because you're withdrawing money at the same time your
account is falling. Chris talked about that before. That's called
sequence of return risk, and it can drain a portfolio
shockingly fast. So you don't look at that, you don't
see this. So in this segment, we're going to explore
(20:12):
how to reduce exposure to big swings, Why set it
and forget it doesn't work in retirement, and how to
build a plan that protects your lifestyle even when the
market missaves and volatility is normal, so losing sleep over
it doesn't have to be well.
Speaker 3 (20:28):
As I said, So if you're thinking out there, what
happens if a big drop happens, and what are you
going to do about it? Are you going to react
or are you going to put yourself in position to
ready have control and flexibility. That's what we're talking about today.
So if you're out there and you don't have a plan,
think about your investments. Do they have a purpose or
(20:48):
what kind of risk are you taking with your money.
You know, many people come in and we do a
risk assessment and sometimes we see people taking an aggressive stance.
Think of it this way. ABC D and E is
very conservative. He's very aggressive, so he's in the middle.
Some people are taking a D type of risk. When
we start asking them questions, they might want to be
(21:09):
in a B portfolio, so it might be vice versa.
Speaker 4 (21:13):
So where are you?
Speaker 2 (21:14):
Do you know?
Speaker 3 (21:15):
And maybe five years ago you did something like this,
but what about today? Things might have changed. So that's
why it's so important to meet with us, because we
can educate you on what you currently have and then
moving forward, we look together a plan where you have
an investment plan.
Speaker 2 (21:28):
Well, you said something five years ago, it may have
been okay. And that's the problem I think that many
people don't do. They don't check their risk analysis and
how it changed. And every time we talk to our
clients five years, ten years, or whatever, we're always doing
a risk analysis because it could change. And don't you
think that's important to a lot of people.
Speaker 3 (21:46):
I do, because your life style changes. Even in retirement,
you can invest like you're a twenty six year old
if you invest the right way with the buckets. That's
why bucket planning is so important. Do you put all
your money and invested like a twenty six year old. No,
but there's nothing wrong with taking that risk with some
of your money if you put together a bucket plan.
And my question to you out there listening today, do
(22:07):
you have a bucket plan? Do you have a strategy?
Do you have an investment plan? Because most people out
there just have piles of money. They got a statement here,
they have a brokerage account there, they got an investment
over here. Meanwhile, do you know if it's taxable? Do
you know if it's tax free? Do you know if
you take it there will be gains on that portfolio?
Do you know do you know what type of risk
you're currently taking? Well, these are things that we talk
(22:29):
about each and every day and you need to know.
That's why I put together a balance sheet for you.
Will educate you. We'll show you when you come in
and meet with us. So eight three to three Maggie, Tax,
schedule time to meet with us. We have office on
both sides of the day to help you. Eight three
to three Maggie.
Speaker 4 (22:42):
Tax.
Speaker 2 (22:42):
And volatility becomes more dangerous once you start with drawing money,
even if the market eventually recovers, because you don't know
if it's going to recover. Most people don't realize that
taking income during a downturn lock in their losses in
a way that's hard to bounce back from. And it's
always you know, well it's down, but it's going to
come back. And we've all heard the market's doing great.
(23:03):
But maybe you should take a look at them when
the market is doing great, okay, and start having a review.
This is called sequence of returns and it's one of
the biggest threats Chris, to retirement security that we see
the market might recover, you know, but your portfolio may not.
Knowing how to manage the risk can make the difference
between a confident retirement and a stressful one. And again,
(23:24):
if you're not meeting with your advisor, and you're not
meeting with them to go over this, we are. So
pick up the phone, give us a call eight three
to three, Maggie Tacks. Let us do a risk analysis,
a tax analysis, an income analysis, and it goes on
and on, because Chris, they need peace of mind, they
need some security, and they need some guarantees with it.
Speaker 3 (23:43):
Well, the worst fear is that you're cruising along in retirement.
You know, just picture this right, You got your pension,
you got some security coming in, you got income coming in,
you're taking income from investments, and you think everything is
on cruise control. And then guess what. Something happens. Whether
it's war, whether it's a threat, whether it's a big
market volatility drop, whatever it is. We've all been through.
(24:05):
We've seen the past years on what has transpired. But
what if the market goes down fifteen, twenty, thirty forty percent?
What do you do think about that? Your lifestyle changes.
People start hunking down and they say, well, I can't
spend any money. I can't do it because I'm going
to outlive my money. Because you have no investment plan.
You don't have a plan to stomach the losses and
(24:26):
also plans to make sure that you don't have to
stomach the loss if you don't want to. So every
portfolio is not the same. Your neighbor doesn't have to
invest the way you do. They don't know your situation.
And that's why we see so many advisors out there.
They have cookie cutter portfolios. And then what that means
is that it's the same for you as your neighbors,
as your family member, as your cousin, and it goes
(24:49):
on and on as your friend, that's not an investment plan.
You have to make sure that you have bucket planning
with safety, with some green money, some yellow money, maybe
even some red money. And that's why it's so important
to pick up the phone, schedule time to meet with us.
Get an investment plan now eight three three Maggie tax.
That's eight three to three Magi tax.
Speaker 2 (25:07):
Chris is stealing my thunder. I have I have something
to say about that jump in let's talk. I don't
because you don't have to choose between what Chris mentioned before,
growth and safety. You just need the right balance. And
one of the things that we do is called the
color of money. And let's just give you something simple.
Say you're sixty years old, and this is just an
example to help you out. So sixty percent of your
(25:29):
money should be in risk or some type of risk,
and the other balance should be maybe in safe money.
But as you get older, that should change. That shift
should change because protecting your savs and doesn't mean abandoning growth.
Am I right or wrong?
Speaker 3 (25:42):
That's what I'm saying to you. Like, even if you're
seventy years old, doesn't mean you have to hunker down
and put all your money in safety. That's not what
we're saying. If your income is taken care of and
you're fine, you can invest your money like a forty
year old, right. But what if you depend on that
those assets that you have and you need income from it.
Now use the mindset shifts. You have to have a
(26:03):
different investment plan to make sure that you preserve your money.
Maybe there's strategies out there that you can create your
own guaranteed pension plan. Many people have worked for a
company for twenty thirty years. But you don't have to
have a pension plan to do so. You can create
a pile of money now today, make a green money
where it's safe, and generate a guaranteed income stream for life.
(26:24):
What if those three income streams coming in the front
door every month and you don't have to worry about
your investments, then you can invest differently. That's what we're
talking about here. So pick up the phone, schedule time
to meet with us, because you need to know what
your options are and we can help you.
Speaker 4 (26:37):
Eight three three, Maggie tax.
Speaker 2 (26:39):
You know I'm thinking here about well quite a few clients,
but one in particular, husband and wife come in and
they had a million dollars and he's pretty much in risk.
And she didn't know she was in risk until we
did the color of Money report and we explained to her,
you're all in red money, and she says, well, I
don't want to be in red money, and we ask, well,
what do you want to be in? You got to
tell us. And then when she started to sit down
(27:01):
and relax a little bit, she said to Chris, well, heck,
I'm sixty years old. Why am one hundred percent in
read money? And that was what we're trying to get
through to you. Because protecting your saving doesn't mean abandoning growth.
Then there are portfolios that Chris can discuss with you
that have growth, have better growth in some of your portfolios. Now,
So what it means. It means being intentional about how
(27:23):
much risk you take and where you take it.
Speaker 3 (27:25):
And that's not only just intention with the risk, also
to invest with a purpose. What if you had different
buckets of money with a different purpose, not just the
same allocations. That's a plan that feels good, doesn't it.
Speaker 2 (27:37):
Yeah, But people don't sit down and do that all
the time. They just wait till the envelope comes in
the mail and then they look at it. To me,
that's not the word way to go. So what we're
saying here is with the right mix of protected strategies
and growth oriented investments, you can reduce the impact of
downtterms while still giving your money room to grow. And
that's exactly what you want to do. This is where
(27:58):
smart planning replaces us work. So a personalized protection strategy
can help you stay on track no matter what the
market does next. Chris and markets will rise and markets
will full, we all know that, but your retirement shouldn't
swing with them. A tail and plan can help shield
your savings from major losses and stabilize your income. That's
what it's all about, and give you confidence even in
(28:20):
unpredictable times. I get tired of hear when people say,
well I lost sleep because the market went down yesterday,
And the question I asked them, well, what are you
going to do about it? And they look at me like,
what can I do about it? What can you do
is get a personalized protection strategy.
Speaker 3 (28:35):
There you go, And that's why it's so easy just
because the phone schedule time to meet with us. Because
you want to work with a complete planner you want
to work with someone who understands income planning, tax planning,
investment planning. You know, legacy planning, so security maximization planning.
This is the complete plan for you. Why do you
just want to work with someone who just deals with investments.
You don't even need an investment advisor these days. Just
(28:56):
manage the money yourself. Yeah, you know a lot of
things are going on, but what what's important is that
you have a plan. You know, as my dad mentioned before,
with the right mix of protective strategies and growth oriented investments,
you can reduce the impact of downturns while still giving
you money room to grow. This is where smart planning
replaces the guess work. So that's why my dad mentioned
(29:17):
markets will rise, markets will fall, but your retirement shouldn't
swing with them. Listen up. You know a tailored plan
can help shield your savings from major losses. They can
stabilize your income and give you the confidence even in
unpredictable times. Who wants to go through the not having
confidence or unpredictable times where they lose income. No one
(29:38):
wants to do that, especially when they're retired. So when
listeners start to understand that they can protect themselves, and
that it starts with a conversation, they're far more likely
to take action. Dad, So simply pick up the phone,
schedule time to meet with us eight three to three
mag Attacks.
Speaker 2 (29:53):
And simply don't leave your future to chance. Take control
while you still can before something happens, and pick up
the schedule time to meet with us eight three to
three Maggie Tax or online at Maggie Tax dot com.
There's so much information there. How often are you checking
the balance in your portfolio? Do you ever ask yourself
if you have enough money so that you don't outlive
(30:14):
your retirement. That's what we're talking about here, So let's
tackle that on the other side of the break. We've
talked about so much today, but make sure you give
us a call. Eight three to three Maggie Tax. Let's
put a plan together, get an appointment and have a
conversation that you won't have these problems eight three to
three Maggie Tax and listen to the Maggie Tax and
Financial Show.
Speaker 1 (30:38):
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
(31:00):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie, Do.
Speaker 3 (31:05):
I have enough to retire? Welcome back to the mag
Attacks and Financial Show. And there comes a moment everyone's
financial life where the big question rises to the surface,
is what I've saved truly enough to retire? So thanks
for tuning into the mag Attacks and a Financial Show.
And as always, you know, we're taking this serious because
(31:27):
it's important, because we get this all the time. People
come to us and they meet with us, and they
the first question they say is I'm really worried about
it outliving my money, and also is what I've saved
truly enough to retire? Can I retire? It's a powerful question,
not because it's scary, but because the answer shapes the
next chapter of your life.
Speaker 2 (31:47):
So in this segment we're going to talk about we're
going to unpack that enough question, what it really means,
and why it's different for every person listening to the show,
and how the right plan can turn uncertainty into clarity.
And if you've ever wanted whether you're ready, this is
the conversation that you don't want to miss. So give
us a call at eight three to three Maggie Tax.
Visit our website Maggie tax dot com. So the question,
(32:10):
like we talked about enough, look it up in the dictionary,
but is enough a number? It's a plan built around
your life, your goals and your income needs. So that's
what we're asking, Like, when you sit down and eat,
is that enough? What does that mean? So most people
think retirement readiness is about hitting a magic number, and
it's not. It's not. It's about understanding how your savings
(32:34):
translate into income, how long that income can last, and
whether it supports the lifestyle that you want. The biggest
question is what is your lifestyle now and would you
like it to be that way when you retire? You know,
And once listeners realize this, the question becomes far more
empowering because it's something they can shape they answer, not
(32:54):
something they have to guess on.
Speaker 4 (32:55):
Well, that's it.
Speaker 3 (32:56):
The old ways are you got to get to a
million dollars then you can retire. How many people have
we met with that said that I don't have a
million yet. You don't have to. That's why when you
do the question planning like we do, we're going to
educate you on what you need. So if you have questions,
pick up the phone, schedule time to meet with us.
We have office on both sides of the Bay eight
three three Maggie tax. But we're gonna help you during
the distribution phase of your life. That's what it's about.
(33:19):
Maybe you have enough. Gosh, last week we met with
a couple of people and they were worried about They said,
I have to work a couple more years, I have
to save more. And I said, stop, just take a
deep breath. You did it. And they looked at me, like,
what are you talking about? And I said, you already
have enough here to retire. And they didn't understand where
the money was gonna come from. And I said that
you can create a bucket that you can't outlive your money,
(33:40):
and you can still invest the money the way you
want to. And they sat back and they said, well really,
So I showed them where it's gonna come from. And
guess what, it was a wow factor. They didn't know
what they didn't know, but guess what it felt so great.
It was clarity, it was confidence, it was moving forward
in a great direction. And that's what we provided to them.
Eight three to three Maggie tax. Because enough isn't a number.
It's a plan built around your life. Your goals, and
(34:02):
your income means and your spending patterns matter more than
your account balance. And most people underestimate this, and that's
why they need our help.
Speaker 2 (34:12):
Well, it's because of fear. I think it's because of uncertainty.
I think it's because they heard the neighbors say this,
or the guy at the office said this. But that's
not you. Okay, that's not your plan, that's not your story.
You need to tell it all right, because there's no
two stories out there that are identical.
Speaker 3 (34:28):
That's exactly right. So your neighbor might have a different
retirement plan than you. So that's why retirement isn't a
straight line. Some years cost more, some costs less, and
unexpected expenses always show up and they do, My gosh,
they really do. You know. This bullet helps listeners understand
that knowing enough starts with knowing how they'll actually live.
(34:49):
You know, what are your travel plans, what are your hobbies.
What's your healthcare look like? Or you're on Medicare, you're
going to take the supplement or the advantage plan or
an HM. You know, what about your family suppor how
are you going to build a plan that adapts to
these life changes? These are a question that we se
each and every day. I'm sure you're thinking about it.
That's why if you are, let's do this together. Let's
get on the same side. Eight three three Maggie tacks.
Speaker 2 (35:10):
So take the word income planning. It reveals gaps and
opportunities that your account statements can't show you. So when
you sit down with us, we go over the whole
thing entirely. Two people with the same savings can have
completely different retirement outcomes depending on how their income instruction.
In simple way is that as husband and wife, you
ask one question to one the wife and one to
(35:32):
the husband, and the income planning is different.
Speaker 3 (35:35):
Chris, right, that's right now. It's it's so important. That's
why we want to get your input. This is your money, right,
Whoever you work with, you want to make sure that
they're thinking about you and finding out what your goals are.
So at the end of the day, knowing whether you
have enough isn't about guessing or hoping. It's about clarity,
and clarity only comes from seeing your full financial picture
laid down in front of you. And that's why we
(35:56):
do a balance sheet. We show you what you have.
And the real question now is do you want to
move into retirement with uncertainty or do you want to
move into retirement with confidence? Exactly, and if you're ready
to replace dow with direction, that's exactly what our team
does at Maggie Tax and Wealth Advisors. We're here to
help you. A personalized retirement readiness review can show you
where you stand today and the steps that you can
(36:18):
strengthen for you tomorrow. So your future deserves more than assumptions.
It deserves a plan. Pick up the phone, schedule a
time to meet with us. Eight three three Maggie Tax.
Speaker 2 (36:27):
And as we close out today's episode of the Maggie
Tax and Wealth Advisors Show, just think about everything that
we talked through together today. We talked about protecting what
you've built, reducing the risk of major losses, finding the
right balance between growth and safety, and finally understanding whether
you truly have enough to retire with confidence. I'm sure
(36:49):
everyone's got those questions. So isn't there isn't small topics, folks,
that you know the pillars of financial future, all of them.
And if today made you know anything clear, it's this.
It's retirement. Success doesn't happen by accident. You work thirty
forty years to get there. It happens by taking action,
(37:09):
by making sure that everything that you've saved for works
for you. You work too hard, too long to leave your
future to chance. So whether you're worried about market volatility,
I'm sure about your income plan, or simply tired of
guessing where you stand, this is your moment to get
clarity and remember something. You retire once we retire every day.
(37:30):
The team at Maggie Tax and Wealth Advisors is here
to help you turn today's insights into real personalized plan,
one that protects your savings, supports your lifestyle, that gives
you the confidence that you deserve, and don't wait for
the next market swing or the next headline to force
your hand. Take control call today. Your future self will
be grateful you did eight three to three Magi Tax
(37:53):
and We've watch our show on Sunday, Maggie Tax and
Financial Show at ten thirty you're listening to the Maggie
Tax and Financial Show.
Speaker 1 (38:02):
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
(38:23):
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 Tampa Bay to the Maggie Tax and Financial Show,
and thanks for joining us today. This is one show
you do not want to miss because we're talking about
a financial storm that's forming right now and one that
could impact every retiree and every dollar that you saved.
So I'm talking about rising taxes. I'm talking about what
they mean for your retire fire. A lot of people
don't think about that and what you can do today
(01:03):
to get ahead of it. And one thing I recommend
go to our website, Maggie tax dot com and on
the top right click on retirement calculator. Folks, this is
something that will make you understand what we're talking about
when it comes to taxes. Click on retirement calculator, filling
the information and in thirty seconds thirty seconds, you're going
to get a report back to tell you what your
tax is going to be when you start taking out
(01:25):
the required minimum distribution. So, Chris, we have a lot
to talk about. Let's get started, and again, welcome every
morn and thank you for joining us.
Speaker 3 (01:32):
That's just it, you know, Welcome everyone. I am Chris
Maggie and as always, great to be here. I love
doing the show. I love educating a lot of people.
Why because you need to know when's the last class
you had on all this information? You know, think about it?
You haven't, you know, when you go to school, they
don't teach this. It's amazing when you get into the
workforce and then you get into retirement and no one's
(01:53):
talking about the accumulation phase and the distribution phase and
how to buy a house and what to do with
taxes and where to put money away, So invest so
you have it for income in the most tax efficient way.
And then you start thinking about when you accumulate all
these investments and and and you start saving, and then
then what do you do if something happens to you?
Is it going to stay in your and your family?
(02:16):
Is are going to go through probate? Is it where's
it going to go? So there's so many things to
think about and things that you have to do to
monitor it throughout. So you mentioned at a financial storm
that's forming right now. My gosh, it is. And we're
talking about rising taxes and we see it each and
every day. We have sales tax right, we have property taxes,
but what about your federal taxes? And many people are
(02:39):
saving right now in form one case, these accounts have
gotten bigger and bigger and bigger and bigger, and these
iras and but guess what, it's a big tax time bomb.
So why are taxes expected to rise? And this is
something that you've got to understand where we're coming from here,
because most advisors are transactional. Most CPAs we talked about
this in the last show, talk about the prior in
(03:01):
the past. Well we're talking about the future. We're talking
about the planning stage. If you spend your life working,
saving and doing everything right, then you deserve to keep
the retirement that you built, not watch it disappear because
tax rates suddenly change. And today we're pulling back the
curtain on rising tax storm that could impact every retiree
in America. And that's why it's so important to listen
(03:23):
up if you want to protect your savings. This is
the segment of the show that you cannot afford to mess.
Speaker 2 (03:28):
So the way we've been taught all our life is
to save on a tax deferred basis, meaning put money
to an IRA A four one K, four H three
b or TSP and many of you have that, So
listen up because this is important. Think about this. What
if we taught our kids to save on a tax
free basis, a tax free basis, not a taxable basis.
(03:49):
Off you're probably listening going, what's he talking about. What
I'm talking about is a rough IRA where it's tax free.
And there's something else that the government has given. It's
called Index Universal Life, and we can't go into it
on the show right now, but I would encourage all
of you to make an appointment and come and meet
with Chris and I. Because when you see these two
options you have, then you're going to start thinking differently.
(04:10):
Why the heck am I saving Chris on a tax
deferred basis when I can have tax free money.
Speaker 4 (04:15):
Let's leave it this way.
Speaker 3 (04:16):
We all drive on a highway, right, So what if
you're cruising down the highway and starting a little crowded,
and then guess what, there's starting to rain, and it's
starting to get muggy, and it's starting to see the
different weather and the storm and happening, and guess what,
that's the road you don't want to be on because
that's where you have these iras and form one case,
(04:37):
eventually you're going to run into a financial storm, and
those are the taxes that you have to pay. But
what if you're on the same freeway, there's no traffic
and you're cruising, You got cruise control on, it's a
nice sunny day, put down the windows, you can breathe
the fresh air, and that's your tax free retirement highway.
That's what we're talking about here. And why are taxes
(04:58):
expected to rise? Why because the US national debt is
skyrocking beyond thirty four trillion dollars. So when debt grows,
taxes almost always follow. And it's not just about now,
it's not just about the next two or three years.
We might get through that where nothing changes, but after that,
when you're in retirement seven years and you haven't worked
(05:19):
twelve years and you haven't worked, and then these start,
these financial storms start to happen. You can avoid it
if you do storm planning now. And that's why it's
so important to pick up the phone, schedule time to
meet with us. Eight three to three Maggi tax. That's
eight three to three maggie tax.
Speaker 2 (05:34):
And we all know this current rates. Their schedule to
expire soon. So if Congress does nothing, tax brackets automatically
jump back to the higher levels. So in two years
when the election comes back. This is not guaranteed, it's
not permanent, that's what I'm looking for. It's temporary. So
you have to do something about it because retirees are
the number one holders of tax deferred money, and that's
(05:56):
where the IRS looks when it needs revenue. You're going
to take the requirement and distribution out when you turn
seventy three. And again, Chris, we can show them the
report that how much it's going to come out at
seventy three, and it could be more than what you'd
take account than you're working.
Speaker 4 (06:12):
That's it.
Speaker 3 (06:12):
So when you come in to meet with us, if
you have an IRA, poom okay, we'll show you what
the amount that has to come out. It's called the
requirement of distribution for some at seventy three. For others
it's if you're born after nineteen sixty, it's aged seventy five.
So you need to know this. We had a client
that came in last week, new client, and they have
an IRA and it's a large sum of IRA. They
(06:33):
had no idea. They're seventy two years old, they have
to take a distribution next year. They had no idea
what the requirement of distribution has to be. And they said, well,
I've been working with my advisor for ten years. And
I said why are you here and they said, well,
because these are things we want to be aware of
and we want a plan. We just have a transactional
advisor that just invests our money, but we want a
complete plan. And that's why they came to meet with us,
(06:55):
and we showed them the R and D and they said, well,
what do I have to have to pay tax on that?
And we show them yes, you do, But then what's
the strategy to get that money out to get on
the highway of tax free? Because taxes are expected to
rise and inflation is driven government costs up, that directly
fuels the need for higher taxes. And most retires are
planning for retirement using today's tax rates, not tomorrow's, which
(07:18):
are expected to be higher. Are you planning for expected
tax rates to be higher? And if you are, then
that's a great thing. But if you're not having even
thought about it, it's so more than to pick up
the phone schedule time to meet with us.
Speaker 4 (07:32):
Eight three three Maggie Tax.
Speaker 2 (07:34):
Okay, so what are we talking about here? What's the solution?
Because at Maggie Tax and Wealth Advisors we use something
called the Rothologist method. This is a step by step
approach to roth conversions and tax smart planning that can
save families thousands over time. So listen carefully. If you're
between fifty five and seventy five, this is your window
(07:55):
of opportunity. This is your solution. So don't wait for
tax laws to change in the future. Sit down with
us and see if a ROTH conversion strategy makes sense
for you, call us at eight three to three Maggie
Tax and visit Maggi tax dot com and Chris. So
many people I think that when we see them there
like afraid to talk about a WROTH. Is that a
good thing or a bad thing. My tax bracket's gonna
(08:15):
go up. I gotta pay more taxes. I don't think
that's the that's wrong because they don't understand how the
rothology report works.
Speaker 4 (08:23):
Well, that's just it. They're not educated.
Speaker 2 (08:24):
You know.
Speaker 3 (08:24):
We talk about this from the beginning of the show.
When's the last class you? I don't how to convert
my money to the ROTH IRA or to tax free buckets?
You don't have those classes right, But here you do.
And that's why it's so important. Every retirement plan that
we put together is different. This is your money, not
your advisor's not your CPS, it's your money. What are
you doing to put together an income plan?
Speaker 2 (08:45):
Exactly?
Speaker 3 (08:46):
What are you doing to put together an investment plan?
What are you doing to put together a tax plan?
What are you doing for your estate plan? What are
you doing for your legacy plan? What about Social Security?
How many people who haven't taken social security? What's your
Social Security maximization plan? Do you have one? So if
you're listening today and you get these questions and they
start going through your head and you're saying I don't
(09:07):
have those things, well that's okay, that's why you're here.
Pick up the phone, schedule time to meet with US
eight three to three Maggie Tax. Because even a small
tax increase can devastate retirement income. A jump from twenty
two percent to twenty eight percent, it's a massive over
a lifetime. Think about that six percent on your income.
Additional why would you not want to keep that or
why would you not want to have that? In a
(09:28):
most tax efficient way. You can pick up the phone,
schedule time to meet with US eight three to three
Maggie Tax.
Speaker 2 (09:34):
So here's what I want all of you to do.
While you're listening, close your eyes for a minute, Just
close your eyes from it and listen to what I'm
going to say. Imagine having a business partner who can
rewrite the rules any time they want, and they can
take a bigger share without asking and do it without warning.
That's exactly what happens with taxes in retirement. And it's
(09:54):
time to finally understand who your silent partner really is.
And Chris, I think so many people do not think
about it that way. But you've got to use simple
terminology an example, that's what's happening to all of you
out there right now. So pick up the phone, give
us a call eight three to three Maggie Tax, and
let us do the Rothology method with all of you.
It doesn't cost you, but it could save you thousands
(10:14):
of dollars in taxes.
Speaker 4 (10:15):
Absolutely.
Speaker 3 (10:16):
So if you're listening and thinking, I had no idea
taxes could change my retirement this much, well, don't worry.
You're in the right place. Awareness is step one and
you've just taken it. So we're so happy that you've
heard this message because coming up next, we're going to
introduce to you the financial partner. You never asked for it,
but you still have and this partner can rise their
(10:37):
share of your savings anytime they want. You don't want
to miss this a three to three Maggie Tax. That's
eight three to three Maggie Tax.
Speaker 1 (10:47):
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
(11:09):
host with Maggie Tax and Wealth Advisors. Robert and Chris Maggie.
Speaker 2 (11:14):
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. And just before we closed
out the first segment, we ask you to do something.
I'm going to ask you to do it again. If
you're just joining us, close your eyes for a minute,
close your eyes from enough. If you're driving, please don't
do it. Don't do it that way. That's not what
I'm asking. But seriously, what I want you to do
(11:35):
is think about what I'm going to say, because this
is where you know it hits home. Imagine having a
business partner who can rewrite the rules anytime they want,
and they can take a bigger share without asking and
do it without warning. That's exactly what happens with taxes
and retirement. It's time to finally understand who your silent
partner really is Christen. Every time we do the rothology report,
(11:56):
and every time we do a Roth conversion and we
show them the that we show them what their tax
is going to be, their eyes open up wide and
they go like, no one ever told me that. My
advisor didn't tell me. Of course he didn't because he's
not tax people. That's the difference of Maggie tax and
wealth advisors, Chris, because we do this with every client
every day, all year round.
Speaker 3 (12:15):
Well, we do complete planning, and you have to understand
that complete planning includes taxes, not just investments. You can
manage your own money. You can put the money that
you have and invest it yourself. Right, But again, how
you incorporate the tax out of it, How you incorporate
the income planning towards it. How do you have income
in the most tax efficient way? How do you pay
less taxes? How do you have your investments? Do different things?
(12:36):
This is what we do. That's why it's so important
to meet with the right advisor because if you have
a transactional advisor, guess what, and they're not talking to
you about taxes, we believe that they're doing a disservice
to you, and it doesn't matter the relationship you've had
with them. If you go to them and say let's
talk about tax and they say, well, I can't talk
(12:56):
about taxes, or you should consult the tax advisor. That
should be your red flag right there to pick up
your stuff and do something, to find someone else to
work with. And I mean that because they're not doing
the right thing for you. It's I go into a
doctor and you have pains and they're not telling you
what you need to do to fix it. And at
the end of the day, this is your money. You've
(13:17):
worked hard for it.
Speaker 4 (13:18):
What are you doing?
Speaker 3 (13:18):
So when you have that business partner who can rewrite
the rules anytime they want, I would not want to
be in a relationship with that partner.
Speaker 2 (13:27):
You know.
Speaker 3 (13:27):
That's a bad business relationship. So your IRA and your
forming K have a tax ioe you attached. You don't
fully own that money. The irs owns a portion of it.
That's the problem here, So what are you doing about it?
So you have to defuse this big tax time bomb
and rmds forced retirees to withdraw money and pay taxes
even when they don't need the income. If that's happening
(13:49):
to you, what are you doing about it? Because most people.
Last week I met with a client and I showed
them that you have to take forty five thousand dollars
out of your overtiment account next year. And they say, well,
we don't need it. What are we gonna do with it?
They'd had no idea, But when we educated them, they said,
oh my gosh, I can leverage my money. I can
do some really cool things to provide tax free money
to my spouse, to my kids and my grandkids. They
(14:12):
thought there was an opportunity of a lifetime. They wished
they knew years ago. So pick up the phone, schedule
time to meet with us. Eight three three Maggie Tax.
Visit our website at Maggie tax dot com. There's so
much information right there at your fingertips. Eight three three
Maggie Tax.
Speaker 2 (14:25):
And well you can look at this, think about this,
higher future tax rates, shrink your withdrawals, because it's simple math.
If you take more out and you have to pay tax,
it's not all yours. I'll give you a big example here.
We meet with a lot of clients that have you know,
five hundred thousand, a million and even more, and this
one gentleman comes in and he says to me, Bobby,
I have a million dollars in my IRA and Chris
(14:47):
and I politely said, no, sir, you don't. And he said,
what do you mean I don't. It says it right
there on the statement. Yeah, that's what it says, but
it's paper. So I said, well, who's going to pay
the taxes? And Chris said to him, you is it
going to be irs or is it going to be
your kids? And we shut him down because he did
(15:08):
he never heard that before from an advisor. So what
we did was we did the illustration that we show
talk about everybody on the Maggie Tax website or retirement
tax bill, and it clearly showed that he's got a
lot of taxes to pay. Chris, right now, what happened?
What happened? He was like, what do I do now?
Because his advisor said, you know, just does the stock
(15:29):
spawns and mutual funds. And look, there's nothing wrong with
an advisor because they grow you money. That's great, but
they should be talking about the rest of the story. Okay,
remember Paul Harvey, many of you tell me the rest
of the story. The rest of the story is taxes,
and Chris, when he realized what he had to do,
he said, well, how can we fix it? And when
we talk about the rithology report, strategically, strategically is the
(15:53):
word that we use because we showed him over five
years how to draw the money, pay the least amount
of tax and have all tax free money.
Speaker 4 (16:00):
You got it.
Speaker 3 (16:00):
You know, higher future tax rates shrink your withdrawals and
same savings and less spending power and more ira withdrawals
can cause more of your social security. You become a
taxable event. It could be double tax hit. You know,
retireers have the least flexibility. Workers can adjust. So my
dad mentioned the if you're fifty to seventy five, you
have to do something now because workers, if you're working,
(16:23):
you can adjust to some of the things. You can
put money away, you can pay the taxes. But retirees
can't simply rebuild their accounts. They're stuck. So you mentioned
an analogy, we'll use it. You know, the football teams
think about the football games that happen, right. You know,
a team could be up thirty to nothing at a halftime,
but guess what, the other team comes back and beats them.
(16:45):
You know, forty one to thirty. Right, So what happens,
that's the IRS. They're coming back and they're going to
get you with these large iras and form one CA's
because of taxes. At the end of the day, who
is going to win. That's your silent partner. So what
are you doing about it? Don't get into business with
a partner who can rewrite their rules anytime they want.
(17:07):
If you're in that relationship, now pick up the phone,
schedule time to meet with us. Eight three three maggie tax.
That's eight three to three maggie tax.
Speaker 2 (17:14):
And here's the thing. If you've never thought of the
IRS as a silent partner in your retirement, well now
is the time to think about it. Now you see
the truth. But the good news is you can take
control back. And that's exactly what we're covering here next
because in the next segment you'll see how you can
do that. But think about this. We talked about the
retirement tax bill. Many of you probably never use it,
(17:35):
but go to our website, put the information in and
if you don't want to be honest with yourself, then
put any number in there. But see what it shows you.
Because your advisor is not talking about it. That's what
we do with Maggie Tax and wealthy advisors. So you know,
don't don't sit there and do nothing, Chris, That's what
happens many times with people.
Speaker 3 (17:53):
That's exactly right. So that's why it's something. It's something
you have to do now. It's because it's your money.
You know. If you've never thought that the RESC could
be a part in your retirement, then think again, because
doing nothing is choosing to let the irs control your income.
You're an unknown question mark future tax trade. Don't let
it happen. So stay with us because next we'll break
down the exact strategies retires are using right now, right
(18:15):
now to reduce lifetime taxes while taxes are still historically low.
So visit our website at Maggie Tax dot com. Eight
three three Maggie Tax and don't forget Every Sunday on ABCTV,
tune into our financial show thirty minutes on ABC at
ten thirty am every Sunday eight three three Maggie Tax.
Speaker 4 (18:36):
Pick up the phone, schedule time to meet with us.
Eight three to three Maggie Tax.
Speaker 1 (18:43):
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
(19:05):
host with Maggie Tax and Wealth Advisors, Robert and Chris.
Speaker 2 (19:09):
Maggie. Welcome back. And one thing I want to say is,
don't wait for a surprise tax bill. Take control now
and give us a call at eight three to three
Maggie Tax. Because just like every December thirty, first the
ball drops in times square, But what about the big
drop in the market or taxes? Are you celebrating that too,
So don't let that happen to you. So the thing is,
(19:29):
I can't afford a big drop now protecting savings from
market volatility? How are you doing that? Are you talking
to the right people? So let's shift gears for a minute,
because if you're within ten years of retirement, already retired,
you probably said this at least once. I can't afford
a big drop now nobody can really, I don't care
what time if it is. And you're right when you're working.
(19:51):
Market dips are annoying. When you're retired, they can be devastating.
Why because you're withdrawing money at the same time your
account is falling. Chris talked about that before. That's called
sequence of return risk, and it can drain a portfolio
shockingly fast. So you don't look at that, you don't
see this. So in this segment, we're going to explore
(20:12):
how to reduce exposure to big swings, Why set it
and forget it doesn't work in retirement, and how to
build a plan that protects your lifestyle even when the
market missaves and volatility is normal, so losing sleep over
it doesn't have to be well.
Speaker 3 (20:28):
As I said, So if you're thinking out there, what
happens if a big drop happens, and what are you
going to do about it? Are you going to react
or are you going to put yourself in position to
ready have control and flexibility. That's what we're talking about today.
So if you're out there and you don't have a plan,
think about your investments. Do they have a purpose or
(20:48):
what kind of risk are you taking with your money.
You know, many people come in and we do a
risk assessment and sometimes we see people taking an aggressive stance.
Think of it this way. ABC D and E is
very conservative. He's very aggressive, so he's in the middle.
Some people are taking a D type of risk. When
we start asking them questions, they might want to be
(21:09):
in a B portfolio, so it might be vice versa.
Speaker 4 (21:13):
So where are you?
Speaker 2 (21:14):
Do you know?
Speaker 3 (21:15):
And maybe five years ago you did something like this,
but what about today? Things might have changed. So that's
why it's so important to meet with us, because we
can educate you on what you currently have and then
moving forward, we look together a plan where you have
an investment plan.
Speaker 2 (21:28):
Well, you said something five years ago, it may have
been okay. And that's the problem I think that many
people don't do. They don't check their risk analysis and
how it changed. And every time we talk to our
clients five years, ten years, or whatever, we're always doing
a risk analysis because it could change. And don't you
think that's important to a lot of people.
Speaker 3 (21:46):
I do, because your life style changes. Even in retirement,
you can invest like you're a twenty six year old
if you invest the right way with the buckets. That's
why bucket planning is so important. Do you put all
your money and invested like a twenty six year old. No,
but there's nothing wrong with taking that risk with some
of your money if you put together a bucket plan.
And my question to you out there listening today, do
(22:07):
you have a bucket plan? Do you have a strategy?
Do you have an investment plan? Because most people out
there just have piles of money. They got a statement here,
they have a brokerage account there, they got an investment
over here. Meanwhile, do you know if it's taxable? Do
you know if it's tax free? Do you know if
you take it there will be gains on that portfolio?
Do you know do you know what type of risk
you're currently taking? Well, these are things that we talk
(22:29):
about each and every day and you need to know.
That's why I put together a balance sheet for you.
Will educate you. We'll show you when you come in
and meet with us. So eight three to three Maggie, Tax,
schedule time to meet with us. We have office on
both sides of the day to help you. Eight three
to three Maggie.
Speaker 4 (22:42):
Tax.
Speaker 2 (22:42):
And volatility becomes more dangerous once you start with drawing money,
even if the market eventually recovers, because you don't know
if it's going to recover. Most people don't realize that
taking income during a downturn lock in their losses in
a way that's hard to bounce back from. And it's
always you know, well it's down, but it's going to
come back. And we've all heard the market's doing great.
(23:03):
But maybe you should take a look at them when
the market is doing great, okay, and start having a review.
This is called sequence of returns and it's one of
the biggest threats Chris, to retirement security that we see
the market might recover, you know, but your portfolio may not.
Knowing how to manage the risk can make the difference
between a confident retirement and a stressful one. And again,
(23:24):
if you're not meeting with your advisor, and you're not
meeting with them to go over this, we are. So
pick up the phone, give us a call eight three
to three, Maggie Tacks. Let us do a risk analysis,
a tax analysis, an income analysis, and it goes on
and on, because Chris, they need peace of mind, they
need some security, and they need some guarantees with it.
Speaker 3 (23:43):
Well, the worst fear is that you're cruising along in retirement.
You know, just picture this right, You got your pension,
you got some security coming in, you got income coming in,
you're taking income from investments, and you think everything is
on cruise control. And then guess what. Something happens. Whether
it's war, whether it's a threat, whether it's a big
market volatility drop, whatever it is. We've all been through.
(24:05):
We've seen the past years on what has transpired. But
what if the market goes down fifteen, twenty, thirty forty percent?
What do you do think about that? Your lifestyle changes.
People start hunking down and they say, well, I can't
spend any money. I can't do it because I'm going
to outlive my money. Because you have no investment plan.
You don't have a plan to stomach the losses and
(24:26):
also plans to make sure that you don't have to
stomach the loss if you don't want to. So every
portfolio is not the same. Your neighbor doesn't have to
invest the way you do. They don't know your situation.
And that's why we see so many advisors out there.
They have cookie cutter portfolios. And then what that means
is that it's the same for you as your neighbors,
as your family member, as your cousin, and it goes
(24:49):
on and on as your friend, that's not an investment plan.
You have to make sure that you have bucket planning
with safety, with some green money, some yellow money, maybe
even some red money. And that's why it's so important
to pick up the phone, schedule time to meet with us.
Get an investment plan now eight three three Maggie tax.
That's eight three to three Magi tax.
Speaker 2 (25:07):
Chris is stealing my thunder. I have I have something
to say about that jump in let's talk. I don't
because you don't have to choose between what Chris mentioned before,
growth and safety. You just need the right balance. And
one of the things that we do is called the
color of money. And let's just give you something simple.
Say you're sixty years old, and this is just an
example to help you out. So sixty percent of your
(25:29):
money should be in risk or some type of risk,
and the other balance should be maybe in safe money.
But as you get older, that should change. That shift
should change because protecting your savs and doesn't mean abandoning growth.
Am I right or wrong?
Speaker 3 (25:42):
That's what I'm saying to you. Like, even if you're
seventy years old, doesn't mean you have to hunker down
and put all your money in safety. That's not what
we're saying. If your income is taken care of and
you're fine, you can invest your money like a forty
year old, right. But what if you depend on that
those assets that you have and you need income from it.
Now use the mindset shifts. You have to have a
(26:03):
different investment plan to make sure that you preserve your money.
Maybe there's strategies out there that you can create your
own guaranteed pension plan. Many people have worked for a
company for twenty thirty years. But you don't have to
have a pension plan to do so. You can create
a pile of money now today, make a green money
where it's safe, and generate a guaranteed income stream for life.
(26:24):
What if those three income streams coming in the front
door every month and you don't have to worry about
your investments, then you can invest differently. That's what we're
talking about here. So pick up the phone, schedule time
to meet with us, because you need to know what
your options are and we can help you.
Speaker 4 (26:37):
Eight three three, Maggie tax.
Speaker 2 (26:39):
You know I'm thinking here about well quite a few clients,
but one in particular, husband and wife come in and
they had a million dollars and he's pretty much in risk.
And she didn't know she was in risk until we
did the color of Money report and we explained to her,
you're all in red money, and she says, well, I
don't want to be in red money, and we ask, well,
what do you want to be in? You got to
tell us. And then when she started to sit down
(27:01):
and relax a little bit, she said to Chris, well, heck,
I'm sixty years old. Why am one hundred percent in
read money? And that was what we're trying to get
through to you. Because protecting your saving doesn't mean abandoning growth.
Then there are portfolios that Chris can discuss with you
that have growth, have better growth in some of your portfolios. Now,
So what it means. It means being intentional about how
(27:23):
much risk you take and where you take it.
Speaker 3 (27:25):
And that's not only just intention with the risk, also
to invest with a purpose. What if you had different
buckets of money with a different purpose, not just the
same allocations. That's a plan that feels good, doesn't it.
Speaker 2 (27:37):
Yeah, But people don't sit down and do that all
the time. They just wait till the envelope comes in
the mail and then they look at it. To me,
that's not the word way to go. So what we're
saying here is with the right mix of protected strategies
and growth oriented investments, you can reduce the impact of
downtterms while still giving your money room to grow. And
that's exactly what you want to do. This is where
(27:58):
smart planning replaces us work. So a personalized protection strategy
can help you stay on track no matter what the
market does next. Chris and markets will rise and markets
will full, we all know that, but your retirement shouldn't
swing with them. A tail and plan can help shield
your savings from major losses and stabilize your income. That's
what it's all about, and give you confidence even in
(28:20):
unpredictable times. I get tired of hear when people say,
well I lost sleep because the market went down yesterday,
And the question I asked them, well, what are you
going to do about it? And they look at me like,
what can I do about it? What can you do
is get a personalized protection strategy.
Speaker 3 (28:35):
There you go, And that's why it's so easy just
because the phone schedule time to meet with us. Because
you want to work with a complete planner you want
to work with someone who understands income planning, tax planning,
investment planning. You know, legacy planning, so security maximization planning.
This is the complete plan for you. Why do you
just want to work with someone who just deals with investments.
You don't even need an investment advisor these days. Just
(28:56):
manage the money yourself. Yeah, you know a lot of
things are going on, but what what's important is that
you have a plan. You know, as my dad mentioned before,
with the right mix of protective strategies and growth oriented investments,
you can reduce the impact of downturns while still giving
you money room to grow. This is where smart planning
replaces the guess work. So that's why my dad mentioned
(29:17):
markets will rise, markets will fall, but your retirement shouldn't
swing with them. Listen up. You know a tailored plan
can help shield your savings from major losses. They can
stabilize your income and give you the confidence even in
unpredictable times. Who wants to go through the not having
confidence or unpredictable times where they lose income. No one
(29:38):
wants to do that, especially when they're retired. So when
listeners start to understand that they can protect themselves, and
that it starts with a conversation, they're far more likely
to take action. Dad, So simply pick up the phone,
schedule time to meet with us eight three to three
mag Attacks.
Speaker 2 (29:53):
And simply don't leave your future to chance. Take control
while you still can before something happens, and pick up
the schedule time to meet with us eight three to
three Maggie Tax or online at Maggie Tax dot com.
There's so much information there. How often are you checking
the balance in your portfolio? Do you ever ask yourself
if you have enough money so that you don't outlive
(30:14):
your retirement. That's what we're talking about here, So let's
tackle that on the other side of the break. We've
talked about so much today, but make sure you give
us a call. Eight three to three Maggie Tax. Let's
put a plan together, get an appointment and have a
conversation that you won't have these problems eight three to
three Maggie Tax and listen to the Maggie Tax and
Financial Show.
Speaker 1 (30:38):
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
(31:00):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie, Do.
Speaker 3 (31:05):
I have enough to retire? Welcome back to the mag
Attacks and Financial Show. And there comes a moment everyone's
financial life where the big question rises to the surface,
is what I've saved truly enough to retire? So thanks
for tuning into the mag Attacks and a Financial Show.
And as always, you know, we're taking this serious because
(31:27):
it's important, because we get this all the time. People
come to us and they meet with us, and they
the first question they say is I'm really worried about
it outliving my money, and also is what I've saved
truly enough to retire? Can I retire? It's a powerful question,
not because it's scary, but because the answer shapes the
next chapter of your life.
Speaker 2 (31:47):
So in this segment we're going to talk about we're
going to unpack that enough question, what it really means,
and why it's different for every person listening to the show,
and how the right plan can turn uncertainty into clarity.
And if you've ever wanted whether you're ready, this is
the conversation that you don't want to miss. So give
us a call at eight three to three Maggie Tax.
Visit our website Maggie tax dot com. So the question,
(32:10):
like we talked about enough, look it up in the dictionary,
but is enough a number? It's a plan built around
your life, your goals and your income needs. So that's
what we're asking, Like, when you sit down and eat,
is that enough? What does that mean? So most people
think retirement readiness is about hitting a magic number, and
it's not. It's not. It's about understanding how your savings
(32:34):
translate into income, how long that income can last, and
whether it supports the lifestyle that you want. The biggest
question is what is your lifestyle now and would you
like it to be that way when you retire? You know,
And once listeners realize this, the question becomes far more
empowering because it's something they can shape they answer, not
(32:54):
something they have to guess on.
Speaker 4 (32:55):
Well, that's it.
Speaker 3 (32:56):
The old ways are you got to get to a
million dollars then you can retire. How many people have
we met with that said that I don't have a
million yet. You don't have to. That's why when you
do the question planning like we do, we're going to
educate you on what you need. So if you have questions,
pick up the phone, schedule time to meet with us.
We have office on both sides of the Bay eight
three three Maggie tax. But we're gonna help you during
the distribution phase of your life. That's what it's about.
(33:19):
Maybe you have enough. Gosh, last week we met with
a couple of people and they were worried about They said,
I have to work a couple more years, I have
to save more. And I said, stop, just take a
deep breath. You did it. And they looked at me, like,
what are you talking about? And I said, you already
have enough here to retire. And they didn't understand where
the money was gonna come from. And I said that
you can create a bucket that you can't outlive your money,
(33:40):
and you can still invest the money the way you
want to. And they sat back and they said, well really,
So I showed them where it's gonna come from. And
guess what, it was a wow factor. They didn't know
what they didn't know, but guess what it felt so great.
It was clarity, it was confidence, it was moving forward
in a great direction. And that's what we provided to them.
Eight three to three Maggie tax. Because enough isn't a number.
It's a plan built around your life. Your goals, and
(34:02):
your income means and your spending patterns matter more than
your account balance. And most people underestimate this, and that's
why they need our help.
Speaker 2 (34:12):
Well, it's because of fear. I think it's because of uncertainty.
I think it's because they heard the neighbors say this,
or the guy at the office said this. But that's
not you. Okay, that's not your plan, that's not your story.
You need to tell it all right, because there's no
two stories out there that are identical.
Speaker 3 (34:28):
That's exactly right. So your neighbor might have a different
retirement plan than you. So that's why retirement isn't a
straight line. Some years cost more, some costs less, and
unexpected expenses always show up and they do, My gosh,
they really do. You know. This bullet helps listeners understand
that knowing enough starts with knowing how they'll actually live.
(34:49):
You know, what are your travel plans, what are your hobbies.
What's your healthcare look like? Or you're on Medicare, you're
going to take the supplement or the advantage plan or
an HM. You know, what about your family suppor how
are you going to build a plan that adapts to
these life changes? These are a question that we se
each and every day. I'm sure you're thinking about it.
That's why if you are, let's do this together. Let's
get on the same side. Eight three three Maggie tacks.
Speaker 2 (35:10):
So take the word income planning. It reveals gaps and
opportunities that your account statements can't show you. So when
you sit down with us, we go over the whole
thing entirely. Two people with the same savings can have
completely different retirement outcomes depending on how their income instruction.
In simple way is that as husband and wife, you
ask one question to one the wife and one to
(35:32):
the husband, and the income planning is different.
Speaker 3 (35:35):
Chris, right, that's right now. It's it's so important. That's
why we want to get your input. This is your money, right,
Whoever you work with, you want to make sure that
they're thinking about you and finding out what your goals are.
So at the end of the day, knowing whether you
have enough isn't about guessing or hoping. It's about clarity,
and clarity only comes from seeing your full financial picture
laid down in front of you. And that's why we
(35:56):
do a balance sheet. We show you what you have.
And the real question now is do you want to
move into retirement with uncertainty or do you want to
move into retirement with confidence? Exactly, and if you're ready
to replace dow with direction, that's exactly what our team
does at Maggie Tax and Wealth Advisors. We're here to
help you. A personalized retirement readiness review can show you
where you stand today and the steps that you can
(36:18):
strengthen for you tomorrow. So your future deserves more than assumptions.
It deserves a plan. Pick up the phone, schedule a
time to meet with us. Eight three three Maggie Tax.
Speaker 2 (36:27):
And as we close out today's episode of the Maggie
Tax and Wealth Advisors Show, just think about everything that
we talked through together today. We talked about protecting what
you've built, reducing the risk of major losses, finding the
right balance between growth and safety, and finally understanding whether
you truly have enough to retire with confidence. I'm sure
(36:49):
everyone's got those questions. So isn't there isn't small topics, folks,
that you know the pillars of financial future, all of them.
And if today made you know anything clear, it's this.
It's retirement. Success doesn't happen by accident. You work thirty
forty years to get there. It happens by taking action,
(37:09):
by making sure that everything that you've saved for works
for you. You work too hard, too long to leave your
future to chance. So whether you're worried about market volatility,
I'm sure about your income plan, or simply tired of
guessing where you stand, this is your moment to get
clarity and remember something. You retire once we retire every day.
(37:30):
The team at Maggie Tax and Wealth Advisors is here
to help you turn today's insights into real personalized plan,
one that protects your savings, supports your lifestyle, that gives
you the confidence that you deserve, and don't wait for
the next market swing or the next headline to force
your hand. Take control call today. Your future self will
be grateful you did eight three to three Magi Tax
(37:53):
and We've watch our show on Sunday, Maggie Tax and
Financial Show at ten thirty you're listening to the Maggie
Tax and Financial Show.
Speaker 1 (38:02):
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
(38:23):
and Advisors. Call them at eight three three Maggie Tax,
or visit them online at Maggietax dot com
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