Ep. 91 | Top 3 Tax Free Income Strategies - Teaching Tax Flow: The Podcast

Episode Transcript
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Intro (00:04):
Welcome to the Teaching Tax Flow podcast, where the goal
is to empower and educate you tolegally and ethically minimize
taxes paid over your lifetime.

John Tripolsky (00:16):
Welcome back to the podcast, everybody. Episode
91 today, we are gonna pickChris's brain once again for his
top 3 tax free incomestrategies. So before we jump
into it, let's take a briefmoment as always, and thank our
episode sponsor.

Ad Read (00:33):
This podcast is sponsored by The Mortgage Shop.
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(00:55):
TTF sent you.

Alright, everybody. Welcome back to the
show as always. Let's dive offthis thing like an Olympic
swimmer, and let's look at thosetop 3 tax free income
strategies. That's the closestyou're gonna hear me. Get to a
rapper, hip hop artist, whateveryou wanna call me, but I brought
him back.

(01:19):
Chris Pacuro, welcome back, sir.

Chris Picciurro (01:22):
Thank you. Great to be back. Olympic trials
kinda wrapping up and theOlympics pending. So I like your
segue there, buddy. I like yoursegue.
I'm excited about the Olympicsthis summer.

Oh, yeah. Hey. You know what? I can appreciate
anybody who has that much skillin something that I do not. So
let's talk taxes.
Let's talk let's talk taxes.Let's keep it sexy and
interesting. Let's keep it taxfree. So let's look at your top
3. And I know that you had aheck of a time trying to nail
this down to 3 of them and not33, by the way is my lucky

(01:59):
number.
So what are they? Walk usthrough these things 1 at a time
and explain to us why in theworld you love these things so
much.

1 of the things to consider, and I mentioned
this in our last episode, Imentioned it all the time, taxes
are on sale under the Tax Cutsand Jobs Act. So what we have to
think about is not just taxdeferral, because a lot of tax
planning is focused on taxdeferral immediately, punt kick
the ball down the road. I thinkeveryone should be considering

(02:34):
tax free income and growth andhave a bucket of their assets in
tax advantaged opportunities,accounts. Because I'll give you
an example, John. Let's say youput money into an IRA today, and
you are in the 24% marginal taxbracket and you get a tax break.

(02:58):
So you put $10, 000 in, you get$24100 extra in your pocket
today. That 100 that $10, 000grows and in 30 years, John,
because you're so young, youtake it out. Right? Well, that
100 or that $10, 000 in 30 yearscould have very well grown to
$70, 000. I'm just makingnumbers up.

(03:19):
What do you what tax

do you think you're gonna pay on that 70
grand in 30 years? Well, at 0would be ideal, but we you know,
it'd be kinda high. I mean,let's put it this way, even
saving that much money having adaughter, you know, maybe it you
know, be able to afford anAmerican Girl doll or something
because those things are much asI must.

Well, John, let's put it this way. I can't
tell you taxes are gonna be in30 years because we don't know.
So how many how many times wouldyou go order from a menu without
a price being on it? Not often.That scares the crap out of you.
Oh, yeah. That almost as much asgoing into the American Girl job
store, John. John, I wanna makeit personal for a minute here.

(04:00):
And you know I

love you.

You know, when we were when we were working
together earlier this year whenyou came down to gorgeous and
historic Franklin, Tennessee,you had the fortitude to enter
the American Girl Dolls AmericanGirl Doll Store or American Girl
Store in Franklin, Tennessee.John, I've lived here 8 years.
I've never been in there.Luckily, for some emotional

(04:25):
support, you brought my wifewith you, and you successfully
purchased some things for yourdaughter at a very reasonable
rate considering, including, Ibelieve you got a dog, didn't
you? I did.
Did try.

And you know what the craziest thing about
that is? So, you know, and I'lland I'll connect this with, you
know, not knowing what thefuture holds. So I knew they
were a little stuff was a littlepricey. K? But but, you know, if
we're talking tools here, priceis never an option.
Right? It's because you coulddie. You know, if your blade
comes off, you're in trouble.But basically, what you were

(05:01):
referring to is, you know,ordering something off a menu
not knowing the price. That'skinda how I felt walking in
there, and I know your wife,Holly, was just laughing her
butt off.
So she walked in first, and itwas very I would love to see the
security cameras because Ibasically stopped, like, right
at the door. And I'm sure shecould tell you all about this.
I, like, refused to put 1 footin. I almost wanna do, like,
window shopping and say, youknow, grab this, grab that, see

(05:22):
how it goes. So, yes, I made themistake of walking in there.
The only, you know, blessing indisguise, they were closing in,
like, 3 minutes, so I had tomake a decision quick. But that
stupid dog you're talking about,yes, it was a little stuffed
basset hound about half the sizeof my hand. That little stuffed
animal was actually, like, 15%of what we actually bought our

(05:42):
real basset hound for, which iscrazy. So, anyways, clearly, I'm
getting all heated up. It's it'salmost like if I ask you, you
know, all these questions about,you know, a a was it a a
contract employee or something?
What was it? No. A 10.99employee. That's how I feel.
Anyways, back to your regularlyscheduled program.

(06:06):
Oh, lord.

Well, what hey. You know what, though, John? And
you know I love Cooper. Neitherdog could see either at this
point. Right.

Right. They're both blind. They both have
nonfunctional equipment. But mygosh. Yes.
Anyways.

I've heard that might run-in the family, John,
but that's another story. Hey.Alright. Let's move on. He gets
it from

his human mother. Let's put it that way.
That's why she married me.

Because no 1 listens to me. Alright. And our
family. But in all seriousness,so tax free it is so important
to implement some tax freeincome and growth strategies,
and I would argue, even forpeople in a high marginal tax
rate, to have something tax freeis more valuable. So if your tax
rate's 40% between let's knowCalifornia under the bus.

(06:56):
We'll chuck you in there. Right?

And And if you're up as slow as we need to.

I know. I know. If if California if your tax
rate's 40% and you earn 5%interest from the bank, you're
really only earning $3 ofinterest from the bank because
40 percent is going to yourbusiness partners. So if you can
earn, you're better off earning4% tax free than 5% taxable. So,

(07:26):
let's talk about my top 3strategies.
We've talked about all thesestrategies at some point on this
podcast. We are now in the 90s.We are in the 90, 210, Beverly
Hills.

Oh, okay.

Oh, yeah. I know. We era of the of this
podcast. And we're gonna talkthrough it. So number 1, in no
particular order, we don't wannamake any of these strategies
jealous, our 529 plans.
We've had, again, a wholeepisode on 529 plans, but
ultimately a 529 plan is aneducational savings plan where

(08:03):
you people make contributions,the money grows tax deferred,
and is distributed tax free ifit's used for qualified
educational expenses. In the inrecent years, there's been much
more flexibility as to what thatmoney could be used for tax
free. It could be now used for kto 12, not just college. So this

(08:24):
isn't a college savings plananymore. It's an educational
savings plan.
So k to 12 tuition, it can beused for trade schools, and now
it could actually if you havemoney in the 5 29 plan that's
been there for 15 years or more,you can now roll it, there are

(08:44):
limitations, into a Roth IRA. So529 plan is is a really 1 of my
top 3 tax free income and growthstrategies. Remember, the parent
is typically the account owner,could be a grandparent, could be
a rich uncle. If I have a richuncle out there that's listening

(09:06):
and it and I don't know aboutyou, please contact my people
immediately. And the and thechild is the beneficiary.
You can always change abeneficiary without triggering a
taxable situation. So 529 plansis number is 1 of the 3.

And that too, Chrissy, you mentioned some of
that too. I just wannahighlight. Right? So this a 529
plan is being set up by theparent. Typically, yes.
It's owned by the parent, andthe beneficiary is,
hypothetically speaking, thechild who plans to attend higher
ed certifications, anything likethat. So but they can also move

(09:48):
that. Right? So say you, youknow, we'll just use a
situation. Say you will use awild 1 because people know we
like to do that.
Say you have 1 kid. You set themup as the dependent. Obviously,
you have 1 child. Naturally,that's who that'd be. This child
decides that they want nothingto do with you when they turn
16, which I am terrified that mydaughter will become that way.

(10:09):
And she moves out with herboyfriend and you never talk to
them again. And then you decidethat it's a great idea in your
fifties to adopt a child So youcan always switch them back.

John, I have a feeling your daughter will still
like Stacy, though. Maybe notyou.

Yeah. As long as there's 1 of us she likes, I
think it'll be fine. So I'mdefinitely being the cool 1.
Stacy's the enforcer. So anytimeshe does something dumb, I just
kinda, like, squeak out of theroom and then wait for wait for
my wife to come in.
It's it's a strategy. Right?Like, we talk about planning and
strategy. It took me 3 years tofigure out 1 that works Yeah.
With the, with the child.

(10:45):
So it's, it's going good.

It works. So let's let's talk another. Number
2, 3. Number 2 or 3. Yes.
Roth accounts. So Roth accounts,I'm using a vague term because a
Roth could be 401 k, could be anIRA, could be a 4 403b, but it
is a typically gonna be your IRAor 401k. A Roth is a retirement

(11:08):
account, but unlike traditionalIRAs or or traditional 401ks,
you do not receive a taxdeduction when the when you make
contributions to a Roth account.That being said, the money grows
tax tax deferred and isdistributed tax free if you make
a qualified distribution. Soremember that example, John, I

(11:29):
said you put in $10, 000 intoyour retirement plan and you got
a 20 $400, 22100 tax benefit.
Mhmm. But then you were able totake that money grew to $70,
000. Right? Well, what if you'dput that money into a Roth
account of some type? Well, ifyou put that money into some
type of Roth account, you wouldforego the 22100 to $24100 of

(11:51):
the benefit today, but when youtake the $70, 000 out down the
road, that's all tax free.
So that $60, 000 of growth istax free. Now there are
obviously limitations to Rothcontributions, and there are
multiple ways you can get moneyinto a Roth account. 1 is over

(12:13):
contribution through either aRoth IRA or an employer
sponsored plan, or you canconvert money into a Roth. But
that being said, there are somelimitations as far as income on
Roth IRA contributions. Beforeyou listen to this podcast, give
us a 5 star rating, share onsocial media, and sing from the

(12:36):
rooftops as this is the bestpodcast you've ever heard.
Thank goodness your financialfuture is secure. And then the
next thing you do is go onlineand create fund a Roth account,
make sure you talk to yourfinancial advisor and your tax
professional to make to ensurethat you are making
contributions that are allowedbased on your marital status,
employment status, and income.Great advice. And question with

(12:57):
that too, Chris. So is 1 of

the limitations with the Roth Roth account, is
it if there is a, we'll call ita contribution limitation, like,
a a monetary cap, if you will.Is there any ways around that?
Like, is that per account, or isthat basically per individual?
So, like, if you had a cap with1, could you open another 1? Can
you do etcetera?

It is right. It's typically there there are
both. There's gonna be acontribution limit per
individual, and it depends ifit's a if it's a Roth IRA or if
it's an employer sponsored Roth.Unfortunately, the Roth IRA
accounts are also limited basedon your income, if you are

(13:39):
married, your spouse's income,if you have an employer
sponsored plan that covers you,or and or if your spouse does.
For some reason, if you work foran employer that offers a 4 01K
plan with a Roth component,which most of them do, you can
make contributions to the Rothregardless of your income.

(14:00):
The employer match has to comein as a tax deferred
contribution. Are thereworkarounds? Absolutely. I'll
give you a great example andthen we can hit number 3. John,
let's say let's say your wife isa very successful dog groomer.
Oh, okay. You know, she's ananimal lover. Rest her out. It's

(14:22):
a free subject. She she she'sself employed.
She has no employees. And yousit in the in your you sit in
your basement and play videogames. Fortunately, she married
down. You don't do anything, andyou basically are a lazy bum. So
you have you have no income.
So she's making all this money,and you take care of your pet

(14:45):
fish. She makes $700, 000 ayear. She is an awesome dog
groomer. Sure. Her income mightbe too high for her to really
make Roth IRA contributions, orit might be limited based on her
income to only $7, 000 each youfor you and her.

(15:06):
But if since she's selfemployed, she could always
create a solo 401 k plan with aRoth component and then
contribute 3 to 4 times thatamount without being concerned
about the income limitation. Sothe point is there are
workarounds. I don't necessarilylike to call them work arounds.

(15:28):
There are planningopportunities. That's why it's
important to understand youremployment status, marital
status, and income.
That's gonna drive what we wantwhat we want is people to come
to us and say, as taxprofessionals, as teaching tax
law community, I wanna startgrowing my Roth dollars. I
here's my situation. Here's theamount of money per year that

(15:50):
that our household's willing tocommit to the strategy. Tell us
the best way to do it. Becausethere are also things called
backdoor Roth contributionswhere you're putting money, tax,
non deductible contributionsinto an IRA and converting it to
a Roth.
If you're listening to this, beaware of the power of a Roth
account and make sure you buildwhat we call your board of

(16:12):
directors so you have the peoplein place to help. If you're
listening to this and you thinkyou feel like you're in an
island, you don't know where togo to get this advice, take a
breath, Just join our DefeatingTaxes private Facebook group. No
shameless plug,defeatingtaxes.com. We will help
and guide you. Doesn't cost youa dime.

(16:35):
And then, oh, Chris, just don'tgo to TikTok

and start hiring people off of that. And on that
point too, I mean, I've seen ahandful of the people that have
got a hold, of you directly.Right? And that's through
through your personal website,really. And people get a hold of
you.
Right? I mean, maybe before wejump into that third 1 and kinda
close out with that too, Iwouldn't say use a scenario

(16:56):
necessarily. Right? But it'sthere's no hard and this is, you
know, not not just for you. Ithink for everybody in general.
Right? It's planning is soimportant and understanding it,
not only what the situation isnow, but what it is, projected
to be the best we can in thenear future. Again, more long
term. Right? So like we weretalking about certain caps.

(17:16):
So if you gave that greatexample of kind of a loophole,
if we will, legal and ethicalway of doing things. Lots of
opportunity for those that areself employed. Lots like an
unimaginable amount of taxopportunities with that. But it
really takes kind of the thebird's eye view of everything

(17:37):
that you have, what your currentsituation is. I mean, down to,
you know, I'm sure you've talkedto people and you say, well, you
know, if you plan on starting afamily in the next x number of
years, you may not wanna dosomething right now Correct.
Which could, you know,drastically change the way
things happen, you know, in 2 or5 or 10 years. So maybe, you

(17:57):
know, I know these are 3 greatexamples for you know, that you
use a lot. Absolutely. Is there1 in but is there 1 that people
just completely do and I'mpulling this 1 out of thin air,
so you're probably gonna wannapunch me for this 1 because you
know you love when I do this.But is there maybe a a strategy
that people just totallymisinterpret, misunderstand that

(18:22):
sometimes you have to tell them,like, you know, it it is what it
sounds like, but there's a lotmore to it.
And it may actually be the 1that we're about to talk about
in number 3 where people justdon't understand it, but it's
it's something that holdsimmense power.

This is gonna sound like a cop out answer.
Almost every strategy issituationally dependent, a term
we like to use. It strategiesand ideas are cheap.
Implementation is where thevalue is. So this I'll give you
examples.
I just spoke with a client thisthis week is going to have a

(18:58):
$400, 000 capital gain based onthe sale of their primary
residence. They listed it. Theygot a all cash offer. And now
they're it hit them, oh my gosh.This is taxable.
Guess what? They've only livedthere a year 10 months. If they
sell their house, it's gonnacost them about $100, 000 of

(19:19):
state and federal tax. If theyhold on to the house for 2 more
months and live there for 2years, then they pay no tax.
There's no so the section 121exclusion is a great great
example.
Now there are some exceptions.So all of these things are
powerful. But as guys, John, youknow, we guys in general, we we

(19:42):
get something, we rip the boxopen. Remember, again, a video
game when you're a kid, you ripthat box open, you'd grab your
Nintendo controller or whateverthat PlayStation. You never read
the directions.
I'll I'll figure out what a, b,and c do. So a lot of times we
do that, and it's important toactually read the directions and
make sure that you're makingdecisions with the understanding

(20:03):
of the tax ramifications. We sayteaching tax flow. Tax, every
decision has a tax burden orbenefit. Tax flow and cash flow
are different concepts.
So a lot of times in theteaching tax flow community, we
have people that just aren'texperienced with tax planning,
they'll say, I'm gonna sell thisrental property, my profit's
$80, 000. Okay. Is that whatyou're getting at closing? Yes.

(20:28):
That's not your profit, that'sactually just the cash you get
at closing.
Your profit's probably lessbecause of, we have to look at
what your cost basis is, yourdepreciation, your passive
activity losses. There's a lotof other factors in in that. So,
yes, that's a and, honestly, I

don't think that's a cop out answer at all.
Oh, good. It's a I mean, to behonest there, buddy, I that's
actually a better answer than Iexpected from you besides the
punch in your throat for pullingout, which, again, is anybody
that listens to this, weabsolutely do not script these
at all. The only thing that wecome up with as an organization
are, hey. What topics do wewanna put on the schedule?

(21:06):
And, hey. We have a great guest.Let's bring them on. So, like,
these are the most authenticconversations that I think we
could have. The only differenceis is me and Chris could be at
the bar talking about these.
We could be on a plane together,or we could have a mic in front
of us. Yeah. I mean, there mightbe a couple 4 letter words that
we have to come

out of

my mouth if we recorded in public. But all
things considered, it's the sameconversation. And really, I
mean, to toot your horn a littlebit. And, again, I do the
editing on these, so I can saywhatever I want or I can edit it
after the fact. But it reallylike, you mentioned that, you
know, the I I forgot exactlyverbatim out of your mouth the
way it came, but, you know, thethe strategies are cheap.

(21:47):
That's not it. However, the thepudding or the whatever is in
the implementation, which it'sthe same thing. Right? Right.
Think about blueprints for ahouse.
You know, my mind obviouslyalways goes to construction.
Hiring an architect is waycheaper than it is to build the
actual house. But, you know,that being said, that's a given.

(22:08):
When you're looking at a pieceof paper as a plan, everything
looks great. It looks fantastic.
You're excited. You start toenvision it. But then once you
start

Mhmm.

Framing, paint, decor, all this stuff, things
change, time passes. You canmake a lot of mistakes with that
that your house could fall down.Like, if you completely forgot
about, hey. You know what? I'mbuilding this on the side of a
cliff.
Yeah. Maybe I should think aboutthis. Your house is gonna look
great. While it's being puttogether, you're excited. And
then 4 years down the road and,you know, you're 300 feet down

(22:41):
in a canyon with no house.
Again, crazy crazy example.

No. You're you're kinda remind me, yeah,
that house. Remember in PanamaCity Beach when the tornado hit
this January? We saw a house. Weshould we might have to find
that picture.
It was it's literally 3 blocksfrom the we're teaching Ted.
This podcast was born and withthe pizza box and that that
story we're told, but a housefell into another house. It's
still there because I was downthere a few weeks ago for a
baseball tournament, and it's aninsurance disaster because your

(23:10):
house, the house literally fellsideways into another house.
Crazy.

But it's totally true. I mean and you get you
know, this is where the tootingyour horn comes into place. Just
the way that you and your teamlook at things. Right? And let's
be clear.
I'm not I'm not tooting my ownhorn here because I'm not part
of the the tax people team inthe private practice world. And,
god help me, you don't want meon that team. No. I'm I'm the
marketing guy. But the way youguys look at things is very

(23:38):
unique in a sense, and it's verycomforting.
And I wish more people couldactually see that because, you
know, I think you and this nowwill poke fun at the marketing
guys in the in the world. And,you know, of course, they're
gonna hate me for this is, youknow, we're very good at putting
a spin on things to make it seemeasy.

Yes, sir.

But easy is not always the best. Right? So
there's no cookie cutter. AndI've seen you work on tax
returns and planning. They'reyou're just not key stroking
away putting numbers in and andhoping for the best.
Right? Like, we talk about AIand taxes. And is that gonna
replace it it can look at thingsat a certain point of view, but

(24:21):
it cannot even if it asked youall the qualifying questions in
the world, it still could notgive you the output of somebody
that's been doing this for 20something years like yourself
and y'all's team? And just theway that you guys package things
together and plan for thingsRight. And, again, kinda, you
know, putting differentstrategies together.
So we won't talk aboutcompounding them or anything
like that yet. But the next 1 Iknow we're gonna get into, your

(24:42):
your number 3 here, there is alot of buzz around this, so
there has been especially in thereal estate investing world,
I've seen it a ton. So I'mexcited for you to walk us
through this 1, and I will notsteal your thunder and tell
people.

No. That's alright. Now I wanna as we wrap
up with the third 1, I wannapoint out, you made a great
point. Strategies should be usedin tandem. It's not a yeah.
Or. It's a with. So there are alot of different tax strategies
that complement each other. Andthe 3 we're talking about today
are just my 3 favorite. The goaldiagnosis, tax free income and

(25:15):
growth is my favorite colorcoded diagnosis out of the 4 in
teaching tax flow.
So the 3rd 1, 3rd favorite is ithas a it's it it has a couple
different names. I call itadvanced whole life insurance
planning. I use it myself. Somepeople call it infinite banking.
There there again, there's a lotof different terms for this.

(25:38):
But, ultimately, it's utilizinga whole life insurance policy
that has a cash value to utilizesome of your premiums that
you're paying to build that cashvalue. That cash value can grow
tax deferred over time, and itcould be distributed tax free

(26:04):
and allow you to have a lot ofliquidity. That distribution
could be a return of premium. Itcould be a loan. Yeah.
This isn't something that youjust go off and do on your own,
go on 1 of those websites andget your own whole life
insurance policy. This issomething that you work with a
financial professional that's onyour team to discuss. There are

(26:25):
rules as far as there arelimitations that you have to
consider. So you avoid a MAC,which is a modified endowment
contract. But in this issomething the younger you are,
the better before you implementthis.
Unfortunately, quite to be realtransparent, I waited till my
mid forties to startimplementing this. And luckily,

(26:47):
I was healthy and I was able toget insured and everything's
great, But it it's somethingthat you wanna work with, and
and this is especially importantin your younger years because
you don't have the amount ofassets you're gonna have when
you're older. Hopefullyhopefully, you're you grow your
assets, but you want that thatlife insurance protection, that

(27:09):
disability insurance protection,but also have something that's
building a war chest for you. SoAdvanced Whole Life Insurance
Planning or infinite banking ismy 3rd. And, again, if you're
looking for help, please let usknow.
I'm gonna John, you know, Ispend a lot of time personally
vetting professionals in makingsure that the people in our

(27:32):
teaching tax law community andour private CPA practice are
with in great hands. Absolutely.And then, Chris, again, too,
just to, you know, to add to thefact of that, why this is a very
unique conversation that I'mseeing as. Right?

It's although this is a tax related
conversation, you do bring avery unique perspective to this
because you personally are acertified financial planner. So
like that being said, it's notjust, oh, this is only tax.
Because some people look at itas, oh, well, my accountant, my
CPA, all they do is look back.They never plan forward where

(28:10):
you're kind of in the middle.It's it's you're basically an
owl.
Right? I'm I'm gonna startcalling you the owl, the tax
owl. There we go. You know,because your head spins around
so quick. You know, forward toback.
Well, it's not like you'replaying pickleball though too,
which by the way, I didn'tmention pickleball.

Oh, we haven't talked pickleball in a

few episodes. We didn't mention it last episode
either, I believe. So there yougo. I'd I'd take the trophy.
I'll put it back on my shelf.
But I again, I think theperspective of this, you know,
we talk about blendingstrategies or compounding
strategies, you know, over time.This is blending them from the
financial planning side alsobringing in the tax side. So a

(28:47):
lot of these, I mean, we talkabout, you know, 1 of them is
not the answer to all yourworld's problems. Multiple make
life a whole heck of a lotbetter and secure. So that being
said, again, as Chris, you hadmentioned too, and, you know,
legally, I think we have to putthe disclaimers in here, but we
do it anyways just because welook out for people.
But definitely contact, youknow, those in your life that

(29:07):
you work with or if you'relooking for somebody because I
know you mentioned too. Just geta hold of us. We're happy to
make connections, you know, towho may be the best fit for you.
So it's, you know, it's the ballis in your court. As the
taxpayer, as the individual, youreally can't rely on somebody
else to take the first step foryou.
You're you really gotta do ityourself, but just building your

(29:29):
personal board of directors isnow more important than ever
because as we mentioned in lastepisode, just tax only. You
know, a 100 plus years ago, Ithink the the tax book then was
400 pages, and now the tax pub,you know, publication is 70,
000. So unless you have a lot offree time and you really enjoy,
you're never gonna know allthat. Heck, most CPAs don't know

(29:50):
all that. They just know whereto look to give the answers.
So that being said, we're gonnashut up. Ball's in your court.
Game on. We will see you backhere next week on the Teaching
Tax Flow podcast.

Disclaimer (30:09):
The content provided is for educational purposes
only. We encourage you to seekpersonalized investment advice
from your financialprofessional. For all tax and
legal advice, please consultyour CPA or attorney. Investment
advisory services are offeredthrough Cabin Advisors, a
registered investment adviser.Securities are offered through
Cabin Securities, a registeredbroker dealer.
The content of this podcast doesnot constitute an offer of

(30:31):
securities. Offerings can onlybe made through an offering
memorandum, and you shouldcarefully examine the risk
factors and other informationcontained in the memorandum.

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Ep. 91 | Top 3 Tax Free Income Strategies

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.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}Ep. 91 | Top 3 Tax Free Income Strategies