August 5, 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 next 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 Advisor Show, the
place where retirees and families come to turn confusion into
clarity and planning into confidence. I'm here with my son
Chris Maggie, and today we have a lot to talk
of it because every week we break down the strategies
that truly matter, the ones Wall Street never seems to
talk about. And today we're diving into something we call rothology.
(01:01):
So Chris, let's talk about it and see if we
can help some of the people out there.
Speaker 3 (01:05):
Absolutely. Well, welcome everyone, I'm Chris Maggie. Thank you so
much for tuning into the show. And each and every
week we're here to help you. Why because we see
so much when we meet with clients. They come in
and they are confused, they're isolated, they don't have clarity,
but we provide the opposite. We provide the clarity, the
confusion settles down into more of understanding, and now they
(01:27):
can have an account where they have confidence moving forward.
So what is routhology, Well, we specialize in wroth conversions
and rathologies, the art and science of doing wroth conversions
the right way, because a wroth conversion isn't just a
tax move. It's a timing move, it's a bracket move,
it's a legacy move. It's one of the most powerful
(01:47):
tools available when it's done correctly, and one of the
most expensive mistakes when it's not. So. Throughout today's show,
pick up the phone, schedule time to meet with us
Maggie tax dot Com eight three to three Maggie Tax
Right that down, eight three to three Magi Tax Schedule.
Time to meet with us, because if you're interested in
a wroth conversion, stop what you're doing right now. Listen up,
(02:08):
because we have a lot to talk about.
Speaker 4 (02:10):
And don't forget.
Speaker 2 (02:10):
Every Sunday at ten thirty, tune into the Magi Tax
and Advise our show on ABC TV at ten thirty
and you'll learn a lot more on that as well.
Speaker 4 (02:19):
So we have a lot to talk about.
Speaker 2 (02:20):
But rothology is only one piece of a complete plan,
and that's what we talk about, complete planning on this show.
We also tackle investment planning, income strategy, and what really
happens when a loved one passes away and assets need
to be transferred the right way without delays, without confusion,
and without family stress. And Chris, that's a big concern
of a lot of people that call in every week
(02:41):
because we talk about so much. But you have to
come in and sit down with us and have a
meeting and go over your concerns a three to three
Maggie tas.
Speaker 3 (02:49):
And you deserve to meet with somebody to get your
questions answered. My gosh, I mean, last week, we know it.
So many people who just left with clarity and smile
on their face and they said, now I know what
I have and what I can do because wrathology is
only one piece of a complete plan. You know, we
talk about many different components. But here's the truth. Retirement
isn't just about having accounts. It's about having a plan,
(03:12):
a coordinated, documented, tax smart plan that covers everything. It's
from your portfolio to your income, from your taxes to
your legacy, and from the first year of retirement to
the last dollar of your family inherit inherits. That's why
it's so important to meet with somebody and a MAGI
Tax advisory. That's what we do, that's why we're here.
That's what this show is all about. This is the
MAGI Tax and Wealth Advisors Show, and your complete financial
(03:35):
education starts right now.
Speaker 4 (03:36):
And here's the thing.
Speaker 2 (03:37):
Many of you out there have questions about you hear
this on the radio, you watch on TV. About wroth conversions.
It's probably the most confusing topic that you need to
discuss with a qualified advisor. We know about wroth conversions.
We can show you how it works, we can show
you when to do it, and we could show you
the right way to do it. So the bottom line
is control your taxes and don't let the irs decide
(03:58):
for yoution iras that many of you have out there
in four to one k is are fully taxable later
in life, often when income is higher from Social Security
rmds and investment growth. Rothology is about converting strategically. That's
a keyword that we use when you choose to do it,
so you lock in known tax rates today instead of
(04:19):
gambling and future increases. In Chris, we do mock tax
returns because it's the only way, the only safe way
to show a lot of people out there what the
answers to their questions are.
Speaker 4 (04:28):
Well, that's it.
Speaker 3 (04:28):
You know, when do you want to know how much
tax is going to pay? Well, you want to know
right now, not just in tax season like February, March
and April. You want to know now, and that's what
we do. So a MAGI tax advisor, HINT and wealth Advisors,
we help you on the tax side, the investment side,
the income planning side, the estate planning side, and legacy planning.
So not only on rothology you can control your taxes,
(04:49):
but eliminates the required minimum distributions. You know, roth iras
have know what they call required minimum distributions and a
lot of people out there don't know what that rm
D is. Well, RMD is called the required minimum distribution.
If you have a four to one K or an
IRA or a step IRA or a TSP, if you're
a federal employee at age seventy three or seventy five,
(05:09):
depending on when you're born, you have to take the
required minimum. You have to take a distribution from that account. Well,
with the rothology and with roth conversions, you don't have
to take a ROTH IRA a distribution, so which means
that there's no forced withdrawals, no force tax bills, and
no disruption to your income plan. Rothology helps retirees keep
(05:30):
more control, more flexibility, and more of their money. And
think about this, all of you out there that have
an IRA four to one K, we were all taught
to save on a tax deferred basis, meaning take money
out of your paycheck and have a tax deferred account
with an IRA four to one K. But you deferred
the taxes years ago.
Speaker 2 (05:49):
And think about I asked a client, not a client,
but I asked people at a seminar I did last week.
Think about how much you deferred and how much tax
you actually saved, and then now it's your seven three
and you have to take out to R and d's
because we run a report called the retirement tax Bill
and kind of figure out which was higher, because you're
going to pay more taxes when you start taking out
(06:10):
to R and DS.
Speaker 4 (06:10):
You know why, because you saved a lot.
Speaker 2 (06:12):
If you saved a million dollars in an IRA, Chris,
does that client have a million dollars in the IRA?
Speaker 3 (06:18):
Not at all, because guess what a portion of that
is Uncle Sam's and portions yours. But that's the big
question we see moving forward is what's that question mark
tax rate going to be? How much is really yours?
So right now it's time to understand. And that's why
I pick up the phone, schedule time to meet with us.
Let's figure out what your tax bill is in retirement.
And also let's talk about rothology.
Speaker 4 (06:40):
And think about this.
Speaker 2 (06:41):
When a loved one inherits say roth IRA, every single
dollar can come out income tax free. And Chris, what's
the question that you ask everybody when they come in
and when they have an IRA?
Speaker 4 (06:51):
What what? When do you want to pay it? And
who's going to pay it?
Speaker 3 (06:54):
Right? When is a tax going to be paid? And
many people look at me confused and they say, what
do you mean by that? Well, if it's not you,
it's going to be your spouse, and if it's not
your spouse, it's going to be the kids. And then
guess what, who's going to pay the big tax bill? So,
if you have an IRA form o K, when is
a tax going to be paid? Would you want a plan?
That's what we call a Rothology plan. So let's put
(07:15):
that together for you because we specialize in wroth conversions.
Pick up the phone, schedule time to meet with us.
Eight three three Magie tax. That's eight three to three
Magie tax. And Dad, you meant something that that's really important.
Leave tax free money to your family. Do you want
a taxable account or tax free? Well, when a loved
one inherits a roth IRA, every dollar can come out
(07:36):
income tax free, which is a powerful legacy tool, and
that could be for your spouse, for your kids. So
Rothology ensures the conversion is done the right way, in
the right brackets at the right time, so families keep
more of what they earn. And you can too. Just
pick up the phone, schedule time to meet with us.
Eight three to three Maggie tax.
Speaker 2 (07:55):
You know, and we're in tax time right now, tax
preparation and most of you seeing your tax prepare it now.
But ask that person, whether it be a male or female,
how do I say them on taxes? And I have
this IRA, So what is the tax bill I'm going
to pay? And see what they say, because I guarantee
it they're not going to answer it the way we do.
Because go to my website, Maggie tax dot com. I
(08:17):
encourage all of you, every single one of you, right
now go to Maggie tax dot com and on the
top right click on the retirement tax bill and in
thirty seconds, if you're honest and put the right numbers in,
you are going to see what your tax bill is
going to be. Not only what the tax bill is
going to be, but you're also going to see when
you turn that age of seventy three, how much required
minimum distribution you're.
Speaker 4 (08:37):
Going to take?
Speaker 2 (08:38):
And Chris, when people take out the required minimum distribution,
where does it go?
Speaker 3 (08:43):
Usually people invest it, reinvest it, which they cause more
tax for them to pay. And guess what, they just
keep paying more tax and it goes on your tax return,
right yep, And you have to pay more tax possible
on Social Security or other investments.
Speaker 2 (08:55):
Oh okay, I didn't know that, did you? But I'm
joking with that, and it's not funny. The point is
that when you meet with the tax qualified advisor like
we are, and we do a Rothology report, I guarantee
you that you're going to sit there and go, you
know what, I'm so glad I came in because we've
had so many millionaire clients and not so many millionaire
clients come in and say, I didn't know that. My
advisor doesn't talk about that. They're not going to talk
(09:17):
about that because they're not tax professionals.
Speaker 4 (09:19):
And that's it.
Speaker 3 (09:20):
So you can leave tax free money to your family.
You can reduce the tax bomb on Social Security. Converting
now can prevent future income pushing on Social Security tax
and guess what you can protect yourself from future tax increases.
What if you were able to live in an environment
that you're a tax free you don't have to worry
about paying a diamond taxes. Who cares if the government
(09:41):
raises the tax brackets or the rates or whatever, you
don't have to be subject to it.
Speaker 4 (09:45):
How cool would that be?
Speaker 3 (09:46):
And also, what if you could lower future Medicare premiums
like irma irma.
Speaker 4 (09:52):
What if you had full control over that?
Speaker 3 (09:53):
Would you want to know? These things we can do.
Speaker 2 (09:56):
And that's the power of the ruthology doing rough convergence
though right way, at the right time, for the right reasons.
These are not guesses, folks. These are not generic rules
of thumb. These are strategies that can save families tens
of thousands of dollars in unnecessary taxes and create a
tax free income for life. But here's the key. None
of this happens automatically. The IRS isn't going to call
(10:18):
you and remind you to convert at the perfect time.
Your brokerage firm isn't going to run tax bracket analysis
for you. This is planning that must be done intentionally
and coordinated across your taxes, investments, income and legacy. Let's
make sure that your retirement dollars go to your family,
not to unnecessary taxes. The call is free, the appointment
is free, but the impact would last the rest of
(10:41):
your life. This is Maggie Tax and Wealth Advisors where
complete planning begins.
Speaker 1 (10:46):
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
(11:08):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.
Speaker 3 (11:13):
All right, welcome back to the Maggie Tax and Wealth
Advisors Show. In the first segment, we talked about rothology
doing your tax planning the right way. Now is the
time the shift gears into something just as important, maybe
it's even more important. We're talking about income planning. But
before we do that, visit our website at Maggie tax
dot com. Pick up the phone, schedule time to meet
with us eight three three Maggie Tax. We do complete planning,
(11:36):
income planning, tax planning, investment planning, estate planning, legacy planning,
solid security, maximization planning, medicare planning. Do you have questions
about any of these topics. Absolutely, we'll pick up the phone,
schedule a time to meet with us eight three three
Maggie Tax.
Speaker 2 (11:51):
And let's be honest, investment planning today is not what
it used to be ten years ago.
Speaker 4 (11:54):
It's changed.
Speaker 2 (11:55):
The markets move faster, the risks are different, the tools
are different, and the old set it and forget approach
that doesn't work anymore because you have to sit down
answer your questions that people have and you should be
able to get all the answers that you want. And
the number one mistake that we see retires make is
this they think owning investments is the same as having
(12:16):
an investment plan.
Speaker 4 (12:18):
That's not true. It's not, Chris right. Absolutely.
Speaker 3 (12:21):
You know, we do analyze a lot of investment accounts
out there, and we have a great team that fill
up CPAs and cfps, financial planners and analysis that review
everything on a regular basis, and it's amazing. What we
see is that many people just have piles of money.
They just have investment accounts and they're buying the stock
here and they're sitting on it and they're not doing
(12:41):
any investment planning. And that's why we're reaching out to
everyone today because do you have an investment plan? And
if you don't, then you need to get one. And
as we talked about here, the number one mistake we
see retirees make is that they think owning investments is
the same as just having an investment plan is not.
Anyone can buy a fund, anyone can click a button,
(13:03):
but very few people have an actual strategy, a blueprint
that aligns their risk, their income needs, their tax exposure,
market cycles, and long term goals all in one. And
that's why when you come meet with us Maggie Tax
Advisory and Wealth Advisors, we can help you put together
an investment plan. So in this segment we're cutting through
(13:23):
the noise. I want to talk about what real investment
planning looks like, how to protect your money, how to
grow it with a purpose and stay ahead of the
surprises that take so many families off course. And Dad,
let's talk about that. How many families do we see
that have retired that they think they have a plan,
but guess what their investment plans running off course?
Speaker 2 (13:46):
Well that's because they were taught, like I said before,
the old fashioned way, and they never were taught to
look into a full, complete plan like you talked about
investment planning, income planning, social security planning. They just talked
about a fund or a stock and that's not complete planning.
So if you've ever wandered, am I invested the right way?
For where I am right now, you're in the right place.
(14:07):
But let's get into it because what you have to do,
because you mentioned it, how many people do you see
that when you look at their portfolio and you ask them,
do you know what stock you have? Do you know
what mutual fund you have? Do you know what risk
you have? And what's the common answer we get?
Speaker 4 (14:21):
I don't know.
Speaker 3 (14:22):
I think my advisor's taken care of it. And then
when we take off the hood, guess what we see.
There's no active management. They've had the account positions for
the same positions for years, you know, every time they
meet with their advisor. Maybe if they do then they
change it. But guess what, that's not active planning. So
the big thing that we see is risk alignment. What's
risk alignment? Well, are you invested for the stage of
(14:44):
your life you're in or are you the one who've
already passed it? You know? And then that's the question
that we have. And most people's portfolios are built for accumulation,
not preservation or income, and the risk they took in
their forties and fifties can be devastating in their sixties
and seventies. So that's why investment planning starts with matching
your risk to your goals, not to the market's mood.
(15:06):
And think about this. How many people come in and
we ask them to do a what color of Money report?
We ask them to do the analysis to figure out
what type of risk they want and how easy is
that to fill out?
Speaker 2 (15:18):
It's easy And when we do it, it's simple and
they sit back and they go, boy, that's the easiest way.
Now I understand what my risk is because you do
these portfolios comparisons all the time, and most of the
time they're in more risk than they thought they were.
Speaker 3 (15:32):
So let me explain here. Think of it this way, ABC,
D and E. If you're an A investor, well you're
more conservative. If you're an E investor, you're aggressive. But
if you're a C, you're basically in the middle. So
many people come in and we analyze their accounts and
they're somewhere invested in a D portfolio, which is a
moderate growth. But then when we do the questions and
(15:54):
we sit there and talk to them, they really want
to be in a B portfolio. They want to have preservation,
they want to have income. But guess what they're invested
in the deep portfolio. So they're taking too much risk
with their money. So we asked them the question, when's
the last time you had this analyzed, and they say, well,
I've been with my advisor for fifteen years. Meanwhile, the
same advisor is investing and managing the money the same
(16:16):
with risk now fifteen years later than they had before.
Speaker 2 (16:19):
You got older. Things changed. Come on, this is like,
you know, no brainer to me. But the point is
this what you just said. I don't know if it's
the advisor fault or if it's your fault because you
don't take the time to say, look, let's do this again.
Let's you know, analyze my risk because things have changed.
The market's changed, you know, the economy has changed, everything's changed.
Speaker 4 (16:37):
So this is.
Speaker 2 (16:38):
Important to Chris and I when we do this at
Maggie Tax and Wealth Advisors, because sit down with us,
sit down with us, and let's just do you know,
a risk analysis. And there's another thing that we talk
about the sequence of returns protection safeguarding your retirement from
the wrong market at the wrong time. So your biggest
risk in retirement is not average returns, it's taking which
roles while markets are down without a plan to protect
(17:01):
against sequence of returns. Risk, a portfolio can fall even
with the good long term performance. So proper planning puts
guardrails in place. And this is where we see a
lot of people don't understand what a guard rail is.
Speaker 4 (17:14):
Well, that's it.
Speaker 3 (17:15):
You have to have protection, and there are accounts out
there that you can have protection on the downside and
make money if the mark goes down on the downside.
A lot of great things part of having an investment plan,
and the other really unique feature with investment planning is
a purpose driven investing. Every dollar needs a job, whether
it's growth, income, safety, or liquidity. A real plan assigns
each part of your portfolio with a clear purpose. We
(17:37):
talk about purpose planning. Not everything should be chasing growth,
not everything should be conservative. True investment planning is about
balance with intention, having the right money in the right
buckets at the right time. So pick up the phone,
schedule time to meet with us. We can help you
eight three to three, Maggie tax.
Speaker 2 (17:53):
So if you're listening right now and you don't have
a written investment plan, if you're not sure your risk
matches the stage of life here in which we talked about,
or if you simply want a second opinion to make
sure that your portfolio is built to last. Now is
the time to pick up the phone. Eight three to
three Maggie Tax. Schedule your complementary investment strategy review today.
(18:13):
Visit our website, Maggie Tax dot com, and we'll show
you where you're strong, where you're exposed, and exactly what
needs to be adjusted in plain, simple English, no pressure,
no jargon, just real answers. Your money worked hard for
you your entire life. Now it's time to make sure
that it works for you just as hard in retirement.
Call us right now A three to three Maggie Tax,
(18:36):
and your future self will thank you.
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 a 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 Maggie.
Speaker 2 (19:10):
All right, welcome back to the Maggie Tax and Wealth
Advisor Show and I need you to stay with me
for the next segment because this is one of the
most important conversations that we ever have on this show,
and it's one that far too many families avoid until
it's too late. So listen up, please, So what happens
when a loved one passes? What should you do first?
(19:30):
Who do you call? How do the accounts get transferred?
What happens to the investments, the insurance, the taxes, the
IRA distribution? And how do you make sure the surviving
spouse isn't overwhelmed, confused, or taken advantage.
Speaker 3 (19:45):
Of Wow, just blat questions right there, But they're powerful
because how many people have been in this situation, how
many people probably will be in this situation? And who
do you go to? Many people think I'll just go
to my CPA, he'll handle it. But do you think
they're really going to handle everything for you. I'll just
go to my investment guy, He'll handle everything for me.
But are they really going to deal with the tax
side of this whole thing? And the distribution planning? What
(20:07):
about the estate planning. I'll just go to my attorney,
He'll take care of all this stuff. Well, guess what
you want to make sure that things are going to
avoid probate. But then who's going to charge the fees
to do all this stuff? So who is your quarterback?
Who is going to be the one helping you? Have
you thought about this? You know, we see it each
and every every week that we work. It's amazing. You know,
(20:28):
we get the bad news that you know, a spouse
has passed or you know someone has passed, and what
do we do? Well, the first thing we all think
about is what about their what about their stuff is
in order? Well, a husband or wife passes and the
surviving spouse is left wood sitting at the kitchen table,
staring at a stack of statements, passwords, accounts, decisions and
deadlines that they never expect to face alone. And that's
(20:49):
if that was all teed up for them already. But
what if it wasn't think about the confusion, you know,
trying to find the passwords, the accounts, the beneficiary forms well,
and the truth is that REEF doesn't wait, bills don't wait,
and the irs definitely doesn't wait. So what are you doing?
What's your plan? Pick up the phone, schedule time to
meet with us, because we can help you eight three
(21:10):
to three Maggie Tax, and.
Speaker 2 (21:12):
What are the most important issues that we talk about
when something like this happens. Write this down, do nothing,
don't touch anything, don't touch the investments, do nothing and
give us a call eight three to three Magi Tax
because people are going to be, you know, hounding you.
Speaker 4 (21:27):
They're going to be calling you. You don't need to
do that.
Speaker 2 (21:30):
You're in a bad frame of mind right There a
lot of things going through your mind. You're not sure
what's going on. So get some clarity and talk to
Maggie Tax and Wealth Advisors, because you know, it's not
about fear, it's about clarity, it's about protection. It's about
making sure that when life changes, your finances don't fall apart.
So if you've ever thought, I don't know what my
(21:51):
spouse would do if something happened to me, or I'm
not sure where all our accounts are, then this is
your moment to lean on because this conversation can make
all the difference when your family needs it most. And Chris,
the biggest thing we do is state planning seminars. We
do for a month and I can't tell you how
many people come to us, young, in middle age and
(22:11):
older and they haven't done anything, and there's always one
or two in the group that says, I just lost
my spouse and I don't know what to do. So
now when they come they make an appointment, they go,
I'm so glad you guys talk about this, because what
Chris mentioned before, Does your advisor talk about it? Does
your tax person talk about it? The answer most commonly
that we get Chris's no. So we're offering that help
(22:34):
out there because you have to sit down and get
all your affairs in order. So let's talk about really happened,
about what really happens when a loved one passes, and
what you can do now to make sure that your
family is protected.
Speaker 3 (22:45):
So what do you do? Wow, that was a lot
you just said, But many people out there listening are
probably leaning in and they want more, and we can
give them more. And it's not just about today's radio show.
It's about where's your plan? You know, And we talked
about an investment planning. We talk about wroth ecology before
for a segment. We're talking about what are you doing?
And many people say, well, all this work with my
advisor who has the least amount of fees, Well, really
(23:07):
is that what it's all about, really, because you need
a complete planner. It's not just about the fees. It's
about what you understand and what you can do. So
what do you do immediately? Well, the immediate decisions have
to be made. You know what must happen in the
first forty eight to seventy two hours. Well, most families
don't know what to do, you know, death certificates, notifying institutions,
freezing certain accounts, securing documents.
Speaker 4 (23:30):
It's overwhelming.
Speaker 3 (23:31):
You know. We walk families through every step so nothing
is missed and nothing is done incorrectly during the most
emotional time of their lives. And then if you're going
through this right now, as my dad mentioned before, do nothing. Stop,
pick up the phone. You know what to call eight
three to three Maggie.
Speaker 2 (23:47):
Tax and you know the other thing. This is a
very important the financial cleanup. We call it titles beneficiaries, iras,
social security and required steps. This is where mistakes cost
families money. Properly transferring iras, missing beneficiary forms, mishandling life insurance,
or delaying social security notifications can lead to taxes, penalties,
(24:10):
or lost benefits, and proper guidance prevents all of that, Chris.
This is why a lot of people come to us
and they're you know, they may have lost someone and
they may be going through probate. And even at my seminars,
what we talk about the word you want to avoid
is probate. But if you do all these things I
just mentioned, proper beneficiary reforms, make sure that your accounts
are title correctly, and the insurance is there.
Speaker 4 (24:31):
You're not going to have these problems. Chris.
Speaker 3 (24:32):
You know what's interesting when people come in we put
together balance sheet. We ask people come with piles of
piles of statements, right, and they go, well, this is
this one, there's my ra, there's my roth. I think
this is another one. I get, this is another one,
and then this is my checking and then this is
another one. They don't know what it does. Is it taxable,
is it non taxable? Will it is a tax free?
You know what does it do?
Speaker 4 (24:52):
Well?
Speaker 3 (24:52):
We put together a balance sheet for you. It's one page.
Speaker 4 (24:55):
It's simple.
Speaker 3 (24:56):
We make the Maggie Plan simple and easy, if you understand,
that's what we call it. Why, because you deserve a
simple and easy plan for yourself, we can do that.
That's why we urge you to pick up the phone,
lean in, schedule time to meet with us. A three
three Maggie Tax. My gosh. I mean we help people
put this together and when they leave, they understand what
(25:17):
they have. If do you understand what you have? Many
people out there are saying I don't really know. Well
that's okay, but let's do something about it. Eight three
to three Maggie Tax.
Speaker 2 (25:25):
You know I mentioned before, you know, when one spouse passes, what.
Speaker 4 (25:28):
Do you do? And I'll repeat it again, do nothing.
Speaker 2 (25:31):
And we're offering this because if someone out there is
listening and maybe someone passed away, now is the time
to call us. Because this is not something to sell.
This is something to educate, and this is something that
you need to get the right answers to make it right.
Speaker 3 (25:43):
Let me clear though, you mentioned do nothing, do nothing,
but then you have to act right. So don't do nothing,
but don't make the stupid move. And what I mean
by that is you're gonna have people come in trying
to do transactional selling. Move this and move that. Understand
the process. First, you got time. It took you nine
months to get into this world. You know it takes
nine months before you can do something. So if anything happens,
(26:06):
you have time on your side. If you're the beneficiary,
especially if you're kids. My gosh, pick up the phone,
schedule time to meet with us, because we can help
you walk through the process. Eight three three MAGI tax.
So we talked about what to do, the immediate decisions.
We talked about the financial cleanup, the titles, the beneficiaries,
the iras, social security, what stops right, Let's talk about
the survivor's plan.
Speaker 4 (26:27):
What is that.
Speaker 2 (26:27):
Well, it's making sure that the spouse is protected and
not overwhelmed because if there's no planning.
Speaker 4 (26:33):
We talk about what we do.
Speaker 2 (26:34):
You know, taxes and income planning, you know, investment planning,
legacy planning, of state planning. And if you're not doing
any of that, then you have a whole. You have
a hole that's going to create a bigger, bigger hole.
So when one spouse passes, everything changes, the income, the taxes,
the investments, the insurance, the requirement of distributions if you
have an IRA. And this is where Chris, A lot
(26:55):
of people get confused about iras because Congress changed the
laws when they did the secure because they write them
in pencil and most of you probably don't even know
about it until you come in and say, well I
didn't know that, because you probably didn't. So Chris, this
is important that we sit down and talk to you.
We always say this, it's about education, and many of
you that know and have worked with us understand that's
(27:18):
what we do. We educate you first, and then you're
going to come to a decision or a solution that's
going to be right for you.
Speaker 3 (27:23):
Well, let's just say, you know you mentioned the surviving spouse. Well,
the surviving spouse needs clarity today, needs structure today, needs
a plan today. Right, that's what it's about. You know,
we make sure that they're not left alone trying to
sort out a lifetime of financial decisions. Then you can
think about your peers, you think about your neighbors. They're
(27:45):
going through these types of situations at your retirement park
or your retirement community. It doesn't have to be this way,
and that's why when you meet with us, we put
together a plan today. So when you leave and you
know that you have a quarterback and a team behind you,
that's a great feeling knowing that everything is taken care of.
Speaker 2 (28:03):
You know what's funny. We do the seminars for a month.
You can go to my website Maggie tex dot com.
They're all listed there. We do them at libraries and
the reason why we do that is to educate because
many times we do these events and they come back
up to me or Kurk or Sam or even Chris
and say, you know what, I wasn't going to come
to this event because that's probably the same thing over
and over. But they learn something that they have to
(28:24):
do something, and we get the appointment based on that
because when you understand what's going on and you get
a better you know, I guess what's the word I'm
looking for clarity on it, You're going to make a
right decision. And I think the problem because many people
are pushed into decisions that they don't know.
Speaker 4 (28:39):
And I say this many times.
Speaker 2 (28:41):
My dad used to say the hell with it, and
I would ask him what do you mean by the
hell with it? He said, well, you know, I don't
want to ask a stupid question. But when my mother
passed away, my dad had no idea what my mother did.
And why I say this at every seminar, some of
you listening today at saying the same thing that the
husband doesn't understand what happens? Ask them, you know, we
(29:03):
get around. We asked this question, you know, what happens
if something happens to me or something happens to you?
And you know what, christ The answer is, I don't know.
I guess you know your mom's going to take care
of it. That's not good enough because it's going to
create more problems than you want and you don't need
to be that way.
Speaker 3 (29:16):
So if you're listening today, you're driving, maybe you're home,
hanging out, whatever, the end of the day is, let's
do something. Let's put the other plan, lean in, lean
into what we're talking about today, because that's what it's about,
putting together a plan, and that's what this conversation. That's
why it matters. You know, losing a loved one is
already the hardest moment a family can face, but losing
(29:36):
them and then having to fight through the financial confusion,
the paperwork, the taxes, and the difficult decisions, well, you
know that's something no one should ever go through alone.
And there's many people out there that will take advantage
of this opportunity and you don't need to go down
that route. You know, if you're listening right now and
you don't have a written plan for what happens when
(29:58):
one passes, then you need to do something. If you're
unsure how accounts would transfer, or who your spouse would
turn to, or whether everything is even titled correctly. Now
is the time to take action, not someday in the
future when it's too late, So pick of the phones.
Call Maggie Tax and Wealth Advisors schedule your complimentary family
(30:19):
protection and legacy review. We'll show you exactly what would
happen now if something occurred tomorrow, and what needs fixing today.
No fear, no pressure, just clarity and peace of mind.
Speaker 4 (30:30):
Call us now.
Speaker 3 (30:31):
Your family deserves this level of protection. Eight through to
three Maggie Tax.
Speaker 1 (30:35):
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 your
(30:58):
host with Maggie Tax and Wealth Advisor Robert and Chris Maggie.
Speaker 3 (31:02):
Welcome back to the mag Attacks and Wealth Advisors Show,
and this is our final segment today, and we're so
glad to be here because education is so important. But
you know what, lean in right now because there's so
many things that we've been discussing throughout today's show 'rethology.
We're talking about what to do on a loved one
passes investment planning, and I want you to lean in
and really understand this carefully because what we're about to
(31:24):
talk about separates true retirement planning from the generic advice
that most people get. There are advisors out there who
manage investments, advisors who prepare taxes, advisors who sell insurance,
advisors who do estate documents, but very few and I
mean a very few, actually bring it all together in
one coordinated plan. So let's talk about what we're discussing
(31:47):
right now and why it's so important for people to
just listen in.
Speaker 2 (31:50):
And if your advisor, like Chris mentioned, handles one slice
of your financial life, you don't have a complete plan.
You have a collection of disconnected parts and life changes
and it always does you all know this. Those missing
pieces become very expensive mistakes. And that's why this final
segment is all about the difference between working with an
advisor and working with a complete planner who does complete planning,
(32:14):
so your money doesn't live in silos, so you're planning
shouldn't either. Investments affect taxes, Taxes affect income, income affects medicare.
Medicare affects your cash flow. A state planning affects everything.
So if these pieces aren't working together, they're working against
you and Chris, that's the problem.
Speaker 3 (32:37):
You know, take a deep breath here because I'm listening
to you what you just said. You said a lot
of great points here. Investments affect tax as you said,
I think you said, taxes affect income, and a state
planning affects everything.
Speaker 4 (32:47):
My gosh, so domino effect.
Speaker 3 (32:50):
So why would someone just want to work with an
advisor who's just managing their own money.
Speaker 2 (32:56):
Because that's what we were taught And I mentioned that before.
I'm older than you and they're a peace pop out
there older than you as well.
Speaker 4 (33:01):
But this is what we were taught. And I have
to tell you.
Speaker 2 (33:04):
You break the bubble when people come in because we
surprise them go like, well, gee, my guy doesn't talk
about it. You know, when I ask people, why don't
you go back and ask them why you didn't tell
you because they should. That's their responsibility, Chris, to educate,
not to sell a stock bond on a mutual fund.
Speaker 4 (33:20):
So that's wrong.
Speaker 3 (33:21):
Yeah, So I and I know you feel the same
because it's why we work together and doing this. I
think it's we think it's the service if I do.
If an advisor's out there just says, well, I don't
do taxes, I don't do medicare. I don't I don't
deal with anything without incomplaining. I just deal with investments
and managing money. Time out, like, what are we doing?
Speaker 4 (33:40):
How many?
Speaker 3 (33:41):
How many accounts have we seen people that did? I've
worked with my advisor for so many years and then
we ask them what we have a will and a
trust with together right in the state documents?
Speaker 4 (33:48):
They go, we don't have that. What does that mean?
Isn't it a disservice?
Speaker 2 (33:54):
And part of it's going to be because that's all
they can do and that's all they want to do.
And years ago I got into this busines is because
I started with the medicare and then I started with
life insurance, and I kept getting questions, Hey Bobby, why
don't you do investments? Hey Bobby, why don't you do
a state planning? And there were answers that I had
to legitimately give because I was an investment advisor at
that point. I'm not an attorney, which is fine, but
(34:14):
why can't you at least educate them, Chris and lead
them in the right direction, which is what we do
every single day?
Speaker 3 (34:19):
Well, I said, and you know we're talking about most
advisor only focus on one area, and that's where the
gaps can cost you. So one advisor handles investments, another
files or taxes, and other sales insurance and other drafts
legal documents, but none of them talk to each other.
That's how families end up with missed roth opportunities. Were
talked about rothology before in the first segment, tax surprises,
(34:39):
improper beneficiaries, and plans that fall apart, the moment of
spouse passes away unbelievable.
Speaker 2 (34:45):
And you know what that falls on us too because
the education isn't there. And you say this a lot.
When was the last time we were taught about and
this is going to be silly balancing a checkbook? Well
we don't need to now.
Speaker 3 (34:56):
Man, but you know what, we're in a yoo economy
and here's what I said. You're on your own right
the end of the day, you got to do something.
So if you're listening today and you're listening saying, you're
shaking your head up and down saying you're right, and
you're right, you're right, then pick up the phone, schedule
time to meet with us, because you deserve a second opinion.
Eight three three Maggie Tax. Eight three three Maggie Tax.
Speaker 2 (35:15):
So a complete planner, that's we're talking about, coordinates every
part of your life today and long after you're gone.
So let's talk about a complete planner. Handles taxes, we
do that, investments, we do that income planning specialty in
that Roth convergence. We just talk about rothology because many
of you don't know how to pay less tax and
no tax. And if your advisor is not talking about it,
(35:36):
it's because he doesn't understand it. Social Security, medicare, a
state and legacy planning. I told you before. Go to
our website Maggie Tax dot com. Register for our seminars.
We do four a month all over Panels and Hillsborough
County in Sarasota. Also, and like I said, every time
people come, they say, I am so glad I attended.
What about survivor planning? Does any of your advisors or
(35:57):
tax people you know, talk about surviver We're planning a
lot's going to happen there. What about risk management? Chris
mentioned it before. Maybe your risk has changed over time.
So everything one team, one plan, one clear roadmap. And
that's the difference between guests work and real retirement planning. Christen,
you know what, I'm so glad we do what we
do because it's.
Speaker 3 (36:17):
Worked, and it's not it only just worked. It's helped
so many families out there. You know, we do our
employee gathering and one of the things we start off
as with at the end of the year is how
many families we've helped. And that is that is true
to our hearts because we give back and at the
end of the day, we're helping families out there, you know,
one family at a time and with their income playing
(36:38):
and their tax planning, their investment planning, their estate planning.
You know what to do when when a spouse passes away,
who do they call immediately us? That's a beautiful thing.
So a three three Maggie tax. So at the end
of the day, retirement is just too important to leave
the chance. The stakes are too high, the rules are
just too complex, and the consequences of poor planning show
(37:00):
up when it's just too late to fix them. If
you don't have a complete plan, you have pieces of
scattered that across different advisors, or if you simply want
to know whether everything in your financial life actually works together,
this is your moment to take action. Give us a
call Maggie Tax and Wealth Advisors right now. Schedule a
complete planning review A three three Magi Tax and Wealth Advisors.
(37:24):
We'll look at your taxes, your investments, your income, your estate, documents, beneficiaries,
all of it, and we'll show you, in a simple
English way, what's working, what's missing, and what needs to
be fixed. There's no guessing, there's no hoping, there's no
blind spots, just a real plan for real life. If
this is on your mind, lean in right now, pick
(37:45):
up the phone. Call us now. Your future deserves complete planning.
And so there's your family A three to three Maggie tax.
That's a three to three Magi tax schedule time needing
us today.
Speaker 1 (37:59):
Thanks 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 any time on
the free iHeartRadio app. And remember you can pay less
tax with Maggie Tax Program. Content provided by Maggie Tax
(38:20):
Wealth 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 next 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 Advisor Show, the
place where retirees and families come to turn confusion into
clarity and planning into confidence. I'm here with my son
Chris Maggie, and today we have a lot to talk
of it because every week we break down the strategies
that truly matter, the ones Wall Street never seems to
talk about. And today we're diving into something we call rothology.
(01:01):
So Chris, let's talk about it and see if we
can help some of the people out there.
Speaker 3 (01:05):
Absolutely. Well, welcome everyone, I'm Chris Maggie. Thank you so
much for tuning into the show. And each and every
week we're here to help you. Why because we see
so much when we meet with clients. They come in
and they are confused, they're isolated, they don't have clarity,
but we provide the opposite. We provide the clarity, the
confusion settles down into more of understanding, and now they
(01:27):
can have an account where they have confidence moving forward.
So what is routhology, Well, we specialize in wroth conversions
and rathologies, the art and science of doing wroth conversions
the right way, because a wroth conversion isn't just a
tax move. It's a timing move, it's a bracket move,
it's a legacy move. It's one of the most powerful
(01:47):
tools available when it's done correctly, and one of the
most expensive mistakes when it's not. So. Throughout today's show,
pick up the phone, schedule time to meet with us
Maggie tax dot Com eight three to three Maggie Tax
Right that down, eight three to three Magi Tax Schedule.
Time to meet with us, because if you're interested in
a wroth conversion, stop what you're doing right now. Listen up,
(02:08):
because we have a lot to talk about.
Speaker 4 (02:10):
And don't forget.
Speaker 2 (02:10):
Every Sunday at ten thirty, tune into the Magi Tax
and Advise our show on ABC TV at ten thirty
and you'll learn a lot more on that as well.
Speaker 4 (02:19):
So we have a lot to talk about.
Speaker 2 (02:20):
But rothology is only one piece of a complete plan,
and that's what we talk about, complete planning on this show.
We also tackle investment planning, income strategy, and what really
happens when a loved one passes away and assets need
to be transferred the right way without delays, without confusion,
and without family stress. And Chris, that's a big concern
of a lot of people that call in every week
(02:41):
because we talk about so much. But you have to
come in and sit down with us and have a
meeting and go over your concerns a three to three
Maggie tas.
Speaker 3 (02:49):
And you deserve to meet with somebody to get your
questions answered. My gosh, I mean, last week, we know it.
So many people who just left with clarity and smile
on their face and they said, now I know what
I have and what I can do because wrathology is
only one piece of a complete plan. You know, we
talk about many different components. But here's the truth. Retirement
isn't just about having accounts. It's about having a plan,
(03:12):
a coordinated, documented, tax smart plan that covers everything. It's
from your portfolio to your income, from your taxes to
your legacy, and from the first year of retirement to
the last dollar of your family inherit inherits. That's why
it's so important to meet with somebody and a MAGI
Tax advisory. That's what we do, that's why we're here.
That's what this show is all about. This is the
MAGI Tax and Wealth Advisors Show, and your complete financial
(03:35):
education starts right now.
Speaker 4 (03:36):
And here's the thing.
Speaker 2 (03:37):
Many of you out there have questions about you hear
this on the radio, you watch on TV. About wroth conversions.
It's probably the most confusing topic that you need to
discuss with a qualified advisor. We know about wroth conversions.
We can show you how it works, we can show
you when to do it, and we could show you
the right way to do it. So the bottom line
is control your taxes and don't let the irs decide
(03:58):
for yoution iras that many of you have out there
in four to one k is are fully taxable later
in life, often when income is higher from Social Security
rmds and investment growth. Rothology is about converting strategically. That's
a keyword that we use when you choose to do it,
so you lock in known tax rates today instead of
(04:19):
gambling and future increases. In Chris, we do mock tax
returns because it's the only way, the only safe way
to show a lot of people out there what the
answers to their questions are.
Speaker 4 (04:28):
Well, that's it.
Speaker 3 (04:28):
You know, when do you want to know how much
tax is going to pay? Well, you want to know
right now, not just in tax season like February, March
and April. You want to know now, and that's what
we do. So a MAGI tax advisor, HINT and wealth Advisors,
we help you on the tax side, the investment side,
the income planning side, the estate planning side, and legacy planning.
So not only on rothology you can control your taxes,
(04:49):
but eliminates the required minimum distributions. You know, roth iras
have know what they call required minimum distributions and a
lot of people out there don't know what that rm
D is. Well, RMD is called the required minimum distribution.
If you have a four to one K or an
IRA or a step IRA or a TSP, if you're
a federal employee at age seventy three or seventy five,
(05:09):
depending on when you're born, you have to take the
required minimum. You have to take a distribution from that account. Well,
with the rothology and with roth conversions, you don't have
to take a ROTH IRA a distribution, so which means
that there's no forced withdrawals, no force tax bills, and
no disruption to your income plan. Rothology helps retirees keep
(05:30):
more control, more flexibility, and more of their money. And
think about this, all of you out there that have
an IRA four to one K, we were all taught
to save on a tax deferred basis, meaning take money
out of your paycheck and have a tax deferred account
with an IRA four to one K. But you deferred
the taxes years ago.
Speaker 2 (05:49):
And think about I asked a client, not a client,
but I asked people at a seminar I did last week.
Think about how much you deferred and how much tax
you actually saved, and then now it's your seven three
and you have to take out to R and d's
because we run a report called the retirement tax Bill
and kind of figure out which was higher, because you're
going to pay more taxes when you start taking out
(06:10):
to R and DS.
Speaker 4 (06:10):
You know why, because you saved a lot.
Speaker 2 (06:12):
If you saved a million dollars in an IRA, Chris,
does that client have a million dollars in the IRA?
Speaker 3 (06:18):
Not at all, because guess what a portion of that
is Uncle Sam's and portions yours. But that's the big
question we see moving forward is what's that question mark
tax rate going to be? How much is really yours?
So right now it's time to understand. And that's why
I pick up the phone, schedule time to meet with us.
Let's figure out what your tax bill is in retirement.
And also let's talk about rothology.
Speaker 4 (06:40):
And think about this.
Speaker 2 (06:41):
When a loved one inherits say roth IRA, every single
dollar can come out income tax free. And Chris, what's
the question that you ask everybody when they come in
and when they have an IRA?
Speaker 4 (06:51):
What what? When do you want to pay it? And
who's going to pay it?
Speaker 3 (06:54):
Right? When is a tax going to be paid? And
many people look at me confused and they say, what
do you mean by that? Well, if it's not you,
it's going to be your spouse, and if it's not
your spouse, it's going to be the kids. And then
guess what, who's going to pay the big tax bill? So,
if you have an IRA form o K, when is
a tax going to be paid? Would you want a plan?
That's what we call a Rothology plan. So let's put
(07:15):
that together for you because we specialize in wroth conversions.
Pick up the phone, schedule time to meet with us.
Eight three three Magie tax. That's eight three to three
Magie tax. And Dad, you meant something that that's really important.
Leave tax free money to your family. Do you want
a taxable account or tax free? Well, when a loved
one inherits a roth IRA, every dollar can come out
(07:36):
income tax free, which is a powerful legacy tool, and
that could be for your spouse, for your kids. So
Rothology ensures the conversion is done the right way, in
the right brackets at the right time, so families keep
more of what they earn. And you can too. Just
pick up the phone, schedule time to meet with us.
Eight three to three Maggie tax.
Speaker 2 (07:55):
You know, and we're in tax time right now, tax
preparation and most of you seeing your tax prepare it now.
But ask that person, whether it be a male or female,
how do I say them on taxes? And I have
this IRA, So what is the tax bill I'm going
to pay? And see what they say, because I guarantee
it they're not going to answer it the way we do.
Because go to my website, Maggie tax dot com. I
(08:17):
encourage all of you, every single one of you, right
now go to Maggie tax dot com and on the
top right click on the retirement tax bill and in
thirty seconds, if you're honest and put the right numbers in,
you are going to see what your tax bill is
going to be. Not only what the tax bill is
going to be, but you're also going to see when
you turn that age of seventy three, how much required
minimum distribution you're.
Speaker 4 (08:37):
Going to take?
Speaker 2 (08:38):
And Chris, when people take out the required minimum distribution,
where does it go?
Speaker 3 (08:43):
Usually people invest it, reinvest it, which they cause more
tax for them to pay. And guess what, they just
keep paying more tax and it goes on your tax return,
right yep, And you have to pay more tax possible
on Social Security or other investments.
Speaker 2 (08:55):
Oh okay, I didn't know that, did you? But I'm
joking with that, and it's not funny. The point is
that when you meet with the tax qualified advisor like
we are, and we do a Rothology report, I guarantee
you that you're going to sit there and go, you
know what, I'm so glad I came in because we've
had so many millionaire clients and not so many millionaire
clients come in and say, I didn't know that. My
advisor doesn't talk about that. They're not going to talk
(09:17):
about that because they're not tax professionals.
Speaker 4 (09:19):
And that's it.
Speaker 3 (09:20):
So you can leave tax free money to your family.
You can reduce the tax bomb on Social Security. Converting
now can prevent future income pushing on Social Security tax
and guess what you can protect yourself from future tax increases.
What if you were able to live in an environment
that you're a tax free you don't have to worry
about paying a diamond taxes. Who cares if the government
(09:41):
raises the tax brackets or the rates or whatever, you
don't have to be subject to it.
Speaker 4 (09:45):
How cool would that be?
Speaker 3 (09:46):
And also, what if you could lower future Medicare premiums
like irma irma.
Speaker 4 (09:52):
What if you had full control over that?
Speaker 3 (09:53):
Would you want to know? These things we can do.
Speaker 2 (09:56):
And that's the power of the ruthology doing rough convergence
though right way, at the right time, for the right reasons.
These are not guesses, folks. These are not generic rules
of thumb. These are strategies that can save families tens
of thousands of dollars in unnecessary taxes and create a
tax free income for life. But here's the key. None
of this happens automatically. The IRS isn't going to call
(10:18):
you and remind you to convert at the perfect time.
Your brokerage firm isn't going to run tax bracket analysis
for you. This is planning that must be done intentionally
and coordinated across your taxes, investments, income and legacy. Let's
make sure that your retirement dollars go to your family,
not to unnecessary taxes. The call is free, the appointment
is free, but the impact would last the rest of
(10:41):
your life. This is Maggie Tax and Wealth Advisors where
complete planning begins.
Speaker 1 (10:46):
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
(11:08):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.
Speaker 3 (11:13):
All right, welcome back to the Maggie Tax and Wealth
Advisors Show. In the first segment, we talked about rothology
doing your tax planning the right way. Now is the
time the shift gears into something just as important, maybe
it's even more important. We're talking about income planning. But
before we do that, visit our website at Maggie tax
dot com. Pick up the phone, schedule time to meet
with us eight three three Maggie Tax. We do complete planning,
(11:36):
income planning, tax planning, investment planning, estate planning, legacy planning,
solid security, maximization planning, medicare planning. Do you have questions
about any of these topics. Absolutely, we'll pick up the phone,
schedule a time to meet with us eight three three
Maggie Tax.
Speaker 2 (11:51):
And let's be honest, investment planning today is not what
it used to be ten years ago.
Speaker 4 (11:54):
It's changed.
Speaker 2 (11:55):
The markets move faster, the risks are different, the tools
are different, and the old set it and forget approach
that doesn't work anymore because you have to sit down
answer your questions that people have and you should be
able to get all the answers that you want. And
the number one mistake that we see retires make is
this they think owning investments is the same as having
(12:16):
an investment plan.
Speaker 4 (12:18):
That's not true. It's not, Chris right. Absolutely.
Speaker 3 (12:21):
You know, we do analyze a lot of investment accounts
out there, and we have a great team that fill
up CPAs and cfps, financial planners and analysis that review
everything on a regular basis, and it's amazing. What we
see is that many people just have piles of money.
They just have investment accounts and they're buying the stock
here and they're sitting on it and they're not doing
(12:41):
any investment planning. And that's why we're reaching out to
everyone today because do you have an investment plan? And
if you don't, then you need to get one. And
as we talked about here, the number one mistake we
see retirees make is that they think owning investments is
the same as just having an investment plan is not.
Anyone can buy a fund, anyone can click a button,
(13:03):
but very few people have an actual strategy, a blueprint
that aligns their risk, their income needs, their tax exposure,
market cycles, and long term goals all in one. And
that's why when you come meet with us Maggie Tax
Advisory and Wealth Advisors, we can help you put together
an investment plan. So in this segment we're cutting through
(13:23):
the noise. I want to talk about what real investment
planning looks like, how to protect your money, how to
grow it with a purpose and stay ahead of the
surprises that take so many families off course. And Dad,
let's talk about that. How many families do we see
that have retired that they think they have a plan,
but guess what their investment plans running off course?
Speaker 2 (13:46):
Well that's because they were taught, like I said before,
the old fashioned way, and they never were taught to
look into a full, complete plan like you talked about
investment planning, income planning, social security planning. They just talked
about a fund or a stock and that's not complete planning.
So if you've ever wandered, am I invested the right way?
For where I am right now, you're in the right place.
(14:07):
But let's get into it because what you have to do,
because you mentioned it, how many people do you see
that when you look at their portfolio and you ask them,
do you know what stock you have? Do you know
what mutual fund you have? Do you know what risk
you have? And what's the common answer we get?
Speaker 4 (14:21):
I don't know.
Speaker 3 (14:22):
I think my advisor's taken care of it. And then
when we take off the hood, guess what we see.
There's no active management. They've had the account positions for
the same positions for years, you know, every time they
meet with their advisor. Maybe if they do then they
change it. But guess what, that's not active planning. So
the big thing that we see is risk alignment. What's
risk alignment? Well, are you invested for the stage of
(14:44):
your life you're in or are you the one who've
already passed it? You know? And then that's the question
that we have. And most people's portfolios are built for accumulation,
not preservation or income, and the risk they took in
their forties and fifties can be devastating in their sixties
and seventies. So that's why investment planning starts with matching
your risk to your goals, not to the market's mood.
(15:06):
And think about this. How many people come in and
we ask them to do a what color of Money report?
We ask them to do the analysis to figure out
what type of risk they want and how easy is
that to fill out?
Speaker 2 (15:18):
It's easy And when we do it, it's simple and
they sit back and they go, boy, that's the easiest way.
Now I understand what my risk is because you do
these portfolios comparisons all the time, and most of the
time they're in more risk than they thought they were.
Speaker 3 (15:32):
So let me explain here. Think of it this way, ABC,
D and E. If you're an A investor, well you're
more conservative. If you're an E investor, you're aggressive. But
if you're a C, you're basically in the middle. So
many people come in and we analyze their accounts and
they're somewhere invested in a D portfolio, which is a
moderate growth. But then when we do the questions and
(15:54):
we sit there and talk to them, they really want
to be in a B portfolio. They want to have preservation,
they want to have income. But guess what they're invested
in the deep portfolio. So they're taking too much risk
with their money. So we asked them the question, when's
the last time you had this analyzed, and they say, well,
I've been with my advisor for fifteen years. Meanwhile, the
same advisor is investing and managing the money the same
(16:16):
with risk now fifteen years later than they had before.
Speaker 2 (16:19):
You got older. Things changed. Come on, this is like,
you know, no brainer to me. But the point is
this what you just said. I don't know if it's
the advisor fault or if it's your fault because you
don't take the time to say, look, let's do this again.
Let's you know, analyze my risk because things have changed.
The market's changed, you know, the economy has changed, everything's changed.
Speaker 4 (16:37):
So this is.
Speaker 2 (16:38):
Important to Chris and I when we do this at
Maggie Tax and Wealth Advisors, because sit down with us,
sit down with us, and let's just do you know,
a risk analysis. And there's another thing that we talk
about the sequence of returns protection safeguarding your retirement from
the wrong market at the wrong time. So your biggest
risk in retirement is not average returns, it's taking which
roles while markets are down without a plan to protect
(17:01):
against sequence of returns. Risk, a portfolio can fall even
with the good long term performance. So proper planning puts
guardrails in place. And this is where we see a
lot of people don't understand what a guard rail is.
Speaker 4 (17:14):
Well, that's it.
Speaker 3 (17:15):
You have to have protection, and there are accounts out
there that you can have protection on the downside and
make money if the mark goes down on the downside.
A lot of great things part of having an investment plan,
and the other really unique feature with investment planning is
a purpose driven investing. Every dollar needs a job, whether
it's growth, income, safety, or liquidity. A real plan assigns
each part of your portfolio with a clear purpose. We
(17:37):
talk about purpose planning. Not everything should be chasing growth,
not everything should be conservative. True investment planning is about
balance with intention, having the right money in the right
buckets at the right time. So pick up the phone,
schedule time to meet with us. We can help you
eight three to three, Maggie tax.
Speaker 2 (17:53):
So if you're listening right now and you don't have
a written investment plan, if you're not sure your risk
matches the stage of life here in which we talked about,
or if you simply want a second opinion to make
sure that your portfolio is built to last. Now is
the time to pick up the phone. Eight three to
three Maggie Tax. Schedule your complementary investment strategy review today.
(18:13):
Visit our website, Maggie Tax dot com, and we'll show
you where you're strong, where you're exposed, and exactly what
needs to be adjusted in plain, simple English, no pressure,
no jargon, just real answers. Your money worked hard for
you your entire life. Now it's time to make sure
that it works for you just as hard in retirement.
Call us right now A three to three Maggie Tax,
(18:36):
and your future self will thank you.
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 a 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 Maggie.
Speaker 2 (19:10):
All right, welcome back to the Maggie Tax and Wealth
Advisor Show and I need you to stay with me
for the next segment because this is one of the
most important conversations that we ever have on this show,
and it's one that far too many families avoid until
it's too late. So listen up, please, So what happens
when a loved one passes? What should you do first?
(19:30):
Who do you call? How do the accounts get transferred?
What happens to the investments, the insurance, the taxes, the
IRA distribution? And how do you make sure the surviving
spouse isn't overwhelmed, confused, or taken advantage.
Speaker 3 (19:45):
Of Wow, just blat questions right there, But they're powerful
because how many people have been in this situation, how
many people probably will be in this situation? And who
do you go to? Many people think I'll just go
to my CPA, he'll handle it. But do you think
they're really going to handle everything for you. I'll just
go to my investment guy, He'll handle everything for me.
But are they really going to deal with the tax
side of this whole thing? And the distribution planning? What
(20:07):
about the estate planning. I'll just go to my attorney,
He'll take care of all this stuff. Well, guess what
you want to make sure that things are going to
avoid probate. But then who's going to charge the fees
to do all this stuff? So who is your quarterback?
Who is going to be the one helping you? Have
you thought about this? You know, we see it each
and every every week that we work. It's amazing. You know,
(20:28):
we get the bad news that you know, a spouse
has passed or you know someone has passed, and what
do we do? Well, the first thing we all think
about is what about their what about their stuff is
in order? Well, a husband or wife passes and the
surviving spouse is left wood sitting at the kitchen table,
staring at a stack of statements, passwords, accounts, decisions and
deadlines that they never expect to face alone. And that's
(20:49):
if that was all teed up for them already. But
what if it wasn't think about the confusion, you know,
trying to find the passwords, the accounts, the beneficiary forms well,
and the truth is that REEF doesn't wait, bills don't wait,
and the irs definitely doesn't wait. So what are you doing?
What's your plan? Pick up the phone, schedule time to
meet with us, because we can help you eight three
(21:10):
to three Maggie Tax, and.
Speaker 2 (21:12):
What are the most important issues that we talk about
when something like this happens. Write this down, do nothing,
don't touch anything, don't touch the investments, do nothing and
give us a call eight three to three Magi Tax
because people are going to be, you know, hounding you.
Speaker 4 (21:27):
They're going to be calling you. You don't need to
do that.
Speaker 2 (21:30):
You're in a bad frame of mind right There a
lot of things going through your mind. You're not sure
what's going on. So get some clarity and talk to
Maggie Tax and Wealth Advisors, because you know, it's not
about fear, it's about clarity, it's about protection. It's about
making sure that when life changes, your finances don't fall apart.
So if you've ever thought, I don't know what my
(21:51):
spouse would do if something happened to me, or I'm
not sure where all our accounts are, then this is
your moment to lean on because this conversation can make
all the difference when your family needs it most. And Chris,
the biggest thing we do is state planning seminars. We
do for a month and I can't tell you how
many people come to us, young, in middle age and
(22:11):
older and they haven't done anything, and there's always one
or two in the group that says, I just lost
my spouse and I don't know what to do. So
now when they come they make an appointment, they go,
I'm so glad you guys talk about this, because what
Chris mentioned before, Does your advisor talk about it? Does
your tax person talk about it? The answer most commonly
that we get Chris's no. So we're offering that help
(22:34):
out there because you have to sit down and get
all your affairs in order. So let's talk about really happened,
about what really happens when a loved one passes, and
what you can do now to make sure that your
family is protected.
Speaker 3 (22:45):
So what do you do? Wow, that was a lot
you just said, But many people out there listening are
probably leaning in and they want more, and we can
give them more. And it's not just about today's radio show.
It's about where's your plan? You know, And we talked
about an investment planning. We talk about wroth ecology before
for a segment. We're talking about what are you doing?
And many people say, well, all this work with my
advisor who has the least amount of fees, Well, really
(23:07):
is that what it's all about, really, because you need
a complete planner. It's not just about the fees. It's
about what you understand and what you can do. So
what do you do immediately? Well, the immediate decisions have
to be made. You know what must happen in the
first forty eight to seventy two hours. Well, most families
don't know what to do, you know, death certificates, notifying institutions,
freezing certain accounts, securing documents.
Speaker 4 (23:30):
It's overwhelming.
Speaker 3 (23:31):
You know. We walk families through every step so nothing
is missed and nothing is done incorrectly during the most
emotional time of their lives. And then if you're going
through this right now, as my dad mentioned before, do nothing. Stop,
pick up the phone. You know what to call eight
three to three Maggie.
Speaker 2 (23:47):
Tax and you know the other thing. This is a
very important the financial cleanup. We call it titles beneficiaries, iras,
social security and required steps. This is where mistakes cost
families money. Properly transferring iras, missing beneficiary forms, mishandling life insurance,
or delaying social security notifications can lead to taxes, penalties,
(24:10):
or lost benefits, and proper guidance prevents all of that, Chris.
This is why a lot of people come to us
and they're you know, they may have lost someone and
they may be going through probate. And even at my seminars,
what we talk about the word you want to avoid
is probate. But if you do all these things I
just mentioned, proper beneficiary reforms, make sure that your accounts
are title correctly, and the insurance is there.
Speaker 4 (24:31):
You're not going to have these problems. Chris.
Speaker 3 (24:32):
You know what's interesting when people come in we put
together balance sheet. We ask people come with piles of
piles of statements, right, and they go, well, this is
this one, there's my ra, there's my roth. I think
this is another one. I get, this is another one,
and then this is my checking and then this is
another one. They don't know what it does. Is it taxable,
is it non taxable? Will it is a tax free?
You know what does it do?
Speaker 4 (24:52):
Well?
Speaker 3 (24:52):
We put together a balance sheet for you. It's one page.
Speaker 4 (24:55):
It's simple.
Speaker 3 (24:56):
We make the Maggie Plan simple and easy, if you understand,
that's what we call it. Why, because you deserve a
simple and easy plan for yourself, we can do that.
That's why we urge you to pick up the phone,
lean in, schedule time to meet with us. A three
three Maggie Tax. My gosh. I mean we help people
put this together and when they leave, they understand what
(25:17):
they have. If do you understand what you have? Many
people out there are saying I don't really know. Well
that's okay, but let's do something about it. Eight three
to three Maggie Tax.
Speaker 2 (25:25):
You know I mentioned before, you know, when one spouse passes, what.
Speaker 4 (25:28):
Do you do? And I'll repeat it again, do nothing.
Speaker 2 (25:31):
And we're offering this because if someone out there is
listening and maybe someone passed away, now is the time
to call us. Because this is not something to sell.
This is something to educate, and this is something that
you need to get the right answers to make it right.
Speaker 3 (25:43):
Let me clear though, you mentioned do nothing, do nothing,
but then you have to act right. So don't do nothing,
but don't make the stupid move. And what I mean
by that is you're gonna have people come in trying
to do transactional selling. Move this and move that. Understand
the process. First, you got time. It took you nine
months to get into this world. You know it takes
nine months before you can do something. So if anything happens,
(26:06):
you have time on your side. If you're the beneficiary,
especially if you're kids. My gosh, pick up the phone,
schedule time to meet with us, because we can help
you walk through the process. Eight three three MAGI tax.
So we talked about what to do, the immediate decisions.
We talked about the financial cleanup, the titles, the beneficiaries,
the iras, social security, what stops right, Let's talk about
the survivor's plan.
Speaker 4 (26:27):
What is that.
Speaker 2 (26:27):
Well, it's making sure that the spouse is protected and
not overwhelmed because if there's no planning.
Speaker 4 (26:33):
We talk about what we do.
Speaker 2 (26:34):
You know, taxes and income planning, you know, investment planning,
legacy planning, of state planning. And if you're not doing
any of that, then you have a whole. You have
a hole that's going to create a bigger, bigger hole.
So when one spouse passes, everything changes, the income, the taxes,
the investments, the insurance, the requirement of distributions if you
have an IRA. And this is where Chris, A lot
(26:55):
of people get confused about iras because Congress changed the
laws when they did the secure because they write them
in pencil and most of you probably don't even know
about it until you come in and say, well I
didn't know that, because you probably didn't. So Chris, this
is important that we sit down and talk to you.
We always say this, it's about education, and many of
you that know and have worked with us understand that's
(27:18):
what we do. We educate you first, and then you're
going to come to a decision or a solution that's
going to be right for you.
Speaker 3 (27:23):
Well, let's just say, you know you mentioned the surviving spouse. Well,
the surviving spouse needs clarity today, needs structure today, needs
a plan today. Right, that's what it's about. You know,
we make sure that they're not left alone trying to
sort out a lifetime of financial decisions. Then you can
think about your peers, you think about your neighbors. They're
(27:45):
going through these types of situations at your retirement park
or your retirement community. It doesn't have to be this way,
and that's why when you meet with us, we put
together a plan today. So when you leave and you
know that you have a quarterback and a team behind you,
that's a great feeling knowing that everything is taken care of.
Speaker 2 (28:03):
You know what's funny. We do the seminars for a month.
You can go to my website Maggie tex dot com.
They're all listed there. We do them at libraries and
the reason why we do that is to educate because
many times we do these events and they come back
up to me or Kurk or Sam or even Chris
and say, you know what, I wasn't going to come
to this event because that's probably the same thing over
and over. But they learn something that they have to
(28:24):
do something, and we get the appointment based on that
because when you understand what's going on and you get
a better you know, I guess what's the word I'm
looking for clarity on it, You're going to make a
right decision. And I think the problem because many people
are pushed into decisions that they don't know.
Speaker 4 (28:39):
And I say this many times.
Speaker 2 (28:41):
My dad used to say the hell with it, and
I would ask him what do you mean by the
hell with it? He said, well, you know, I don't
want to ask a stupid question. But when my mother
passed away, my dad had no idea what my mother did.
And why I say this at every seminar, some of
you listening today at saying the same thing that the
husband doesn't understand what happens? Ask them, you know, we
(29:03):
get around. We asked this question, you know, what happens
if something happens to me or something happens to you?
And you know what, christ The answer is, I don't know.
I guess you know your mom's going to take care
of it. That's not good enough because it's going to
create more problems than you want and you don't need
to be that way.
Speaker 3 (29:16):
So if you're listening today, you're driving, maybe you're home,
hanging out, whatever, the end of the day is, let's
do something. Let's put the other plan, lean in, lean
into what we're talking about today, because that's what it's about,
putting together a plan, and that's what this conversation. That's
why it matters. You know, losing a loved one is
already the hardest moment a family can face, but losing
(29:36):
them and then having to fight through the financial confusion,
the paperwork, the taxes, and the difficult decisions, well, you
know that's something no one should ever go through alone.
And there's many people out there that will take advantage
of this opportunity and you don't need to go down
that route. You know, if you're listening right now and
you don't have a written plan for what happens when
(29:58):
one passes, then you need to do something. If you're
unsure how accounts would transfer, or who your spouse would
turn to, or whether everything is even titled correctly. Now
is the time to take action, not someday in the
future when it's too late, So pick of the phones.
Call Maggie Tax and Wealth Advisors schedule your complimentary family
(30:19):
protection and legacy review. We'll show you exactly what would
happen now if something occurred tomorrow, and what needs fixing today.
No fear, no pressure, just clarity and peace of mind.
Speaker 4 (30:30):
Call us now.
Speaker 3 (30:31):
Your family deserves this level of protection. Eight through to
three Maggie Tax.
Speaker 1 (30:35):
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 your
(30:58):
host with Maggie Tax and Wealth Advisor Robert and Chris Maggie.
Speaker 3 (31:02):
Welcome back to the mag Attacks and Wealth Advisors Show,
and this is our final segment today, and we're so
glad to be here because education is so important. But
you know what, lean in right now because there's so
many things that we've been discussing throughout today's show 'rethology.
We're talking about what to do on a loved one
passes investment planning, and I want you to lean in
and really understand this carefully because what we're about to
(31:24):
talk about separates true retirement planning from the generic advice
that most people get. There are advisors out there who
manage investments, advisors who prepare taxes, advisors who sell insurance,
advisors who do estate documents, but very few and I
mean a very few, actually bring it all together in
one coordinated plan. So let's talk about what we're discussing
(31:47):
right now and why it's so important for people to
just listen in.
Speaker 2 (31:50):
And if your advisor, like Chris mentioned, handles one slice
of your financial life, you don't have a complete plan.
You have a collection of disconnected parts and life changes
and it always does you all know this. Those missing
pieces become very expensive mistakes. And that's why this final
segment is all about the difference between working with an
advisor and working with a complete planner who does complete planning,
(32:14):
so your money doesn't live in silos, so you're planning
shouldn't either. Investments affect taxes, Taxes affect income, income affects medicare.
Medicare affects your cash flow. A state planning affects everything.
So if these pieces aren't working together, they're working against
you and Chris, that's the problem.
Speaker 3 (32:37):
You know, take a deep breath here because I'm listening
to you what you just said. You said a lot
of great points here. Investments affect tax as you said,
I think you said, taxes affect income, and a state
planning affects everything.
Speaker 4 (32:47):
My gosh, so domino effect.
Speaker 3 (32:50):
So why would someone just want to work with an
advisor who's just managing their own money.
Speaker 2 (32:56):
Because that's what we were taught And I mentioned that before.
I'm older than you and they're a peace pop out
there older than you as well.
Speaker 4 (33:01):
But this is what we were taught. And I have
to tell you.
Speaker 2 (33:04):
You break the bubble when people come in because we
surprise them go like, well, gee, my guy doesn't talk
about it. You know, when I ask people, why don't
you go back and ask them why you didn't tell
you because they should. That's their responsibility, Chris, to educate,
not to sell a stock bond on a mutual fund.
Speaker 4 (33:20):
So that's wrong.
Speaker 3 (33:21):
Yeah, So I and I know you feel the same
because it's why we work together and doing this. I
think it's we think it's the service if I do.
If an advisor's out there just says, well, I don't
do taxes, I don't do medicare. I don't I don't
deal with anything without incomplaining. I just deal with investments
and managing money. Time out, like, what are we doing?
Speaker 4 (33:40):
How many?
Speaker 3 (33:41):
How many accounts have we seen people that did? I've
worked with my advisor for so many years and then
we ask them what we have a will and a
trust with together right in the state documents?
Speaker 4 (33:48):
They go, we don't have that. What does that mean?
Isn't it a disservice?
Speaker 2 (33:54):
And part of it's going to be because that's all
they can do and that's all they want to do.
And years ago I got into this busines is because
I started with the medicare and then I started with
life insurance, and I kept getting questions, Hey Bobby, why
don't you do investments? Hey Bobby, why don't you do
a state planning? And there were answers that I had
to legitimately give because I was an investment advisor at
that point. I'm not an attorney, which is fine, but
(34:14):
why can't you at least educate them, Chris and lead
them in the right direction, which is what we do
every single day?
Speaker 3 (34:19):
Well, I said, and you know we're talking about most
advisor only focus on one area, and that's where the
gaps can cost you. So one advisor handles investments, another
files or taxes, and other sales insurance and other drafts
legal documents, but none of them talk to each other.
That's how families end up with missed roth opportunities. Were
talked about rothology before in the first segment, tax surprises,
(34:39):
improper beneficiaries, and plans that fall apart, the moment of
spouse passes away unbelievable.
Speaker 2 (34:45):
And you know what that falls on us too because
the education isn't there. And you say this a lot.
When was the last time we were taught about and
this is going to be silly balancing a checkbook? Well
we don't need to now.
Speaker 3 (34:56):
Man, but you know what, we're in a yoo economy
and here's what I said. You're on your own right
the end of the day, you got to do something.
So if you're listening today and you're listening saying, you're
shaking your head up and down saying you're right, and
you're right, you're right, then pick up the phone, schedule
time to meet with us, because you deserve a second opinion.
Eight three three Maggie Tax. Eight three three Maggie Tax.
Speaker 2 (35:15):
So a complete planner, that's we're talking about, coordinates every
part of your life today and long after you're gone.
So let's talk about a complete planner. Handles taxes, we
do that, investments, we do that income planning specialty in
that Roth convergence. We just talk about rothology because many
of you don't know how to pay less tax and
no tax. And if your advisor is not talking about it,
(35:36):
it's because he doesn't understand it. Social Security, medicare, a
state and legacy planning. I told you before. Go to
our website Maggie Tax dot com. Register for our seminars.
We do four a month all over Panels and Hillsborough
County in Sarasota. Also, and like I said, every time
people come, they say, I am so glad I attended.
What about survivor planning? Does any of your advisors or
(35:57):
tax people you know, talk about surviver We're planning a
lot's going to happen there. What about risk management? Chris
mentioned it before. Maybe your risk has changed over time.
So everything one team, one plan, one clear roadmap. And
that's the difference between guests work and real retirement planning. Christen,
you know what, I'm so glad we do what we
do because it's.
Speaker 3 (36:17):
Worked, and it's not it only just worked. It's helped
so many families out there. You know, we do our
employee gathering and one of the things we start off
as with at the end of the year is how
many families we've helped. And that is that is true
to our hearts because we give back and at the
end of the day, we're helping families out there, you know,
one family at a time and with their income playing
(36:38):
and their tax planning, their investment planning, their estate planning.
You know what to do when when a spouse passes away,
who do they call immediately us? That's a beautiful thing.
So a three three Maggie tax. So at the end
of the day, retirement is just too important to leave
the chance. The stakes are too high, the rules are
just too complex, and the consequences of poor planning show
(37:00):
up when it's just too late to fix them. If
you don't have a complete plan, you have pieces of
scattered that across different advisors, or if you simply want
to know whether everything in your financial life actually works together,
this is your moment to take action. Give us a
call Maggie Tax and Wealth Advisors right now. Schedule a
complete planning review A three three Magi Tax and Wealth Advisors.
(37:24):
We'll look at your taxes, your investments, your income, your estate, documents, beneficiaries,
all of it, and we'll show you, in a simple
English way, what's working, what's missing, and what needs to
be fixed. There's no guessing, there's no hoping, there's no
blind spots, just a real plan for real life. If
this is on your mind, lean in right now, pick
(37:45):
up the phone. Call us now. Your future deserves complete planning.
And so there's your family A three to three Maggie tax.
That's a three to three Magi tax schedule time needing
us today.
Speaker 1 (37:59):
Thanks 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 any time on
the free iHeartRadio app. And remember you can pay less
tax with Maggie Tax Program. Content provided by Maggie Tax
(38:20):
Wealth and Advisors. Call them at eight three three Maggie Tax,
or visit them online at Maggietax dot com
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