The 930 Podcast is designed to educate the masses on taxes and finances. The 401k plan is an antiquated concept. So is the 529 plan. That is why we have designed this podcast to educate any and all that are willing to think outside the box. The education starts with math. If you could add a 401k plan + 529 plan what would you get? The 930 Plan. Employees and employers want smart, tax-advantaged savings plans that eliminate risk and optimize the sequence of returns for taxation. I encourage all individuals to do a deeper dive into 401(k), 529 and other deferred compensation plans to determine if that’s what’s right for them or if there is another way to safeguard their financial future.


September 29, 2021 26 min
It starts with TAXES. If you are a married couple in the US today and you make $120k/year,
your effective Federal Tax Rate is 13.1%. That number is lower than at any point in history for a
middle class couple. In 1978, a married couple in the US making $60k (reduced for inflation)
had an effective Federal Tax Rate of 53.3%.
Coincidentally, 1978 is the first year the IRS allowed workers to defer income into a 401k. The
federal debt was s...
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In this episode we review a live case study. Understanding how the 930 Plan can work with real
people in real life circumstances is key. There are many single parents out there, surviving on
one income, providing for their children.
Tax efficiency, understanding good debt vs.bad debt and deploying resources with purpose led
this client to discover a different view on financial matters.
Listen to this episode of The 930 Plan Podcast and ...
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The 930 Plan focuses primarily on efficiencies around income tax. In this episode we are gonna
cover all of the different ways the US government taxes its citizens.
I think we cover them all, but I am sure some of our listeners can find a few we may have
missed. While an inheritance large enough to trigger the federal estate tax may not be a
complete negative financially, not understanding provisional income tax could cost you more
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n July of 2021 Americans with minor children began to receive direct payments from the federal
government. Under the American Rescue Plan, what used to be credited to families when filing
their tax returns, is now sent out as a direct monthly payment.
Understand how this plan differs from the previous Child Tax Credits, how those who didn’t
qualify for them previously are now getting them and who is paying for it all.
Listen to this epi...
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We all experience life changing events over the course of time. Very positive events like the
birth of a child, a graduation, a new job, a promotion or retirement are a few that come to mind.
We experience events that can be equally challenging, losing a job, a loved one or family illness
can put tremendous strain on our lives.
Understanding how to be best prepared for the ups and downs of life financially can be planned
for even if the...
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Preparing for the death of a loved one can be next to impossible. Today’s episode reviews a
case study that not only has had a profound financial effect on the family being planned for, but
a case that has changed my life.
My career took on new meaning after this experience. A lifelong friendship was founded and a
family learned things about each other they never knew they had in them.
This episode of The 930 Plan Podcast talks about ho...
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The IRS has a secret that can cause individuals and couples to give back hundreds of
thousands of dollars of their hard earned social security checks. This is happening to
Americans all over the country right now and many have no idea it’s even going on, let alone
how to avoid it.
Provisional Income tax is a term that you hear very little about. In today's episode we will dive
into what it is, how much it can cost you and most impor...
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Covid 19 has sent this country on a spending spree with no end in sight. Legislation already
passed totals almost $5 Trillion and includes: Coronavirus Preparedness and Response
Supplemental Appropriations Act, Cares Act, Families First Coronavirus Response Act,
Paycheck Protection Program and Health Care Enhancement Act, Consolidated Appropriations
Act, The American Rescue Plan among others.
Legislation in discussion and yet to be pass...
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