Episode Transcript
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Speaker 1 (00:00):
All these years you've saved up planning for secure retirement,
but if you're not careful, it will be the irs
that's living it up when you retire by taxing your
hard earned money. Welcome to the Maggie Tax and Financial
Hour with Robert and Chris Maggie of Maggie Tax Advisory
and Financial Group. With over thirty years of combined experience
and tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement nest egg from Uncle Sam. Your questions and
comments are welcome during today's program by calling eight one
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty, or visit Maggie
Tax dot Com. That's Maggi tax dot com and now
(00:46):
your host for the Maggie Tax Financial Hour on nine
seventy WFLA. Robert and Chris Maggie.
Speaker 2 (00:52):
Welcome everyone, and thanks for joining us today. My name
is Robert Maggie and I'm here with Chris Maggie and
thanks for joining us today on the Maggie taxin Financial Show.
Be sure to visit our website Maggie Tax dot com
and don't forget Every Sunday at ten thirty on ABC TV,
tune into the Maggie Tax and Financial Show. So, Chris,
we have a lot we want to talk about. Taxes,
we want to talk about are what we do with
the Maggie Plan. So let's get started and see what
(01:15):
we got today.
Speaker 3 (01:15):
Welcome everyone, and thank you so much for tuning into
our show. And how many of you out there are
just afraid to ask for help? You know, we're all
human and we get to that point sometimes in our
life that we are afraid to ask for help. But
maybe you are afraid to ask. It might seem stupid
to ask those questions, but really, what's on your mind?
Many people out there are worried about their retirement. They
worried about the market volatility, the word about running out
(01:38):
of money, the word about well when what do I
do with Medicare and social security planning? But you know,
maybe you didn't want to impose on people because you
were afraid to ask for help. And my dad and
I are like that, you know, my brother is like that.
You know, maybe you're that way. We're just human, as
I mentioned before, But sometimes it takes many years until
you reach a point that you are in so much
trouble that you must ask for help. And many people
(02:01):
out there are going through retirement and they really just
don't see the positive focus on what their retirement's going
to look like because they have those fears and then
they're uncertain. And you don't have to be that way
if you do the proper planning, you know, and.
Speaker 2 (02:15):
There's absolutely nothing wrong with that, because you're human and
we see people every day that need our help, but
we're afraid to ask. Many of you listening right now
need our help. And you have to ask a question.
What's on your mind? You know, what's the elephant in
the room. Are you worried that in twenty twenty five,
the Trump tax cuts are going to expire. We talk
about that every week on our show, and it's starting
(02:35):
to resonate with people because it's going to happen. Are
you afraid to ask for help or will you just
wait until you get hit with a huge tax time bomb?
And Chris, with that said, we had many people coming
in and they're starting to realize that in another in
twenty twenty five, what's going to happen? To the taxes
it's going to go up. So you know, we have
the retirement tax calculated to help all of them, and
(02:56):
in thirty seconds we can show you what your tax
bill will be in retirement. Just ask for help. It's
that simple.
Speaker 3 (03:03):
And here's an example that we're talking about. Sometimes you
get in so much trouble you will have to ask
for help, and it's never too late. And that's why
I pick up the phone, schedule time to meet with
us eight three to three Maggie Tax. And our website,
Maggie tax dot com is so much information right there
at your fingertips and we can help you. If you're
looking for income planning, we can help. If you look
at a tax planning, we can help. We had a
(03:24):
client that came in last week talked about roth conversions
and if they should convert their iras to roths. They said, well,
I hear a lot about it. Is that good for me?
And I explained to them that in their particular situation,
it wasn't the right move. But I had a client
that came in later on that day and guess what
it fit them to the t It was a perfect opportunity,
and I showed them ways to create a tax deduction
(03:46):
so they can offset some money coming out of the
IRA and pay the least amount of tax as possible.
So you know, these people are asking for help, they
need it, and we can help. Pick up the phone,
schedule time to meet with us. Eight three three, Maggie, tax.
Speaker 2 (03:58):
A simple way. We have some on a state, social
security and tax planning. And every time we do these seminars,
people say, well, no, I know about that. But when
we start the seminar we start talking about wills and
trusts and we talk about social security and tax planning,
it starts to resonate what people say, now, I need help.
So we also talk about bucket planning and so much more.
(04:19):
And bucket planning, Chris is a big thing right now
because of what we do with clients. You mentioned it before,
had to position their money for income planning, for tax
planning and growth because so many people and I know
the other day we had a client come in. They're
so used to the old way that they have to
keep their accounts there and that's not true. The complaint
that she had is that, well, there's no tax planning
(04:39):
and there's no income planning, and what do I do
and what do you do is sit down and do
some bucket planning.
Speaker 3 (04:45):
Well, this, it's exactly it. I mean, every account that
you have with us has a purpose, whether it's for safety,
whether it's for growth, whether it's the combat inflation in
the future, whether it's a paycheck that you need, or
whether it's a play check. Playcheck is just extra income
coming in the front door that you can play with.
You can spend the heck out of it and do
it all over the next thirty days, so for the
forever and in your life. So these are income streams
(05:08):
that can come in and that's why we do bucket planning.
Why not spend down one of those buckets, but the
other bucket goes right back up to where you started.
So really you're living off of interest. How cool is that?
So pick up the phone, schedule time to meet with us.
If you're looking for an investment plan, we can help.
If you're looking for an income plan, we can help.
If you're looking for a tax plan, we can help.
(05:29):
If you can want to put all those three together,
so you have income in the most tax efficient way,
and you have accounts that are growing with safety and growth.
If that's what you want, we can help, So pick
up that phone, give us a call eight three three
Maggie Tax.
Speaker 2 (05:41):
Well we make it sound so simple, but the bottom
line is all you have to do is just ask.
So why are we making such a big deal of
asking for help? Because eventually all of us have to
make changes and ask for help. Something's going to happen
where you definitely need to make help. We take an
holistic approach. So what does that mean? We're a complete advisor?
And what the heck does that mean? We are a fiduciary?
(06:04):
So what does that mean? And why are we making
a big deal of this today? Why? Because if you
do not ask for help, then you have nothing to
complain about. And why are you listening to the Maggie
Tax and Financial Show. I hope you're looking to get
something out of it. Why because you need help, You
need professional help, and we can help. Just ask eight
three to three Magie Tax, and ask now before taxes
(06:26):
go up, and ask now before your benefits get cut.
These are the complaints that we're hearing. All of you
can probably share the same thing. Ask for help now
if you think you will not have enough to retire,
So ask now. Why we talk about bucket planning and
why we discuss safe options. Ask now for help, So
sit down with us, have a conversation. Eight three to
(06:47):
three magi tax. Because doing nothing.
Speaker 3 (06:49):
Is not a plan, absolutely, and you know doing something
can save you from worrying about these things that you
can't control. So pick up the phone, schedule a time
to meet with us. Eight three to three men, Maggie tax.
That's eight three to three Maggie tax.
Speaker 2 (07:03):
And we're hoping that you listen to our show because
you want a better plan than what you have now,
and you have to start thinking about that. Many people
are complaining about things and they want to hide behind
the door and wait for something to happen. Please don't
do that. We take education very seriously because the more
that you know, meaning know, the more you know now,
then you can make a better decision. And we want
(07:25):
you to be ahead of the game so you can
enjoy retirement and have control over what happens in your life.
How many of you would like that, Just give us
a call. It's real simple, eight three to three magi
tax and let's discuss the Maggie plan. Simple and easy
to understand.
Speaker 3 (07:40):
And that's so exactly what the Maggie plans about. It's
income planning. It's a tax plan. It's guaranteed income planning
for life. It's a as I mentioned, a tax plan,
so you can avoid the unnecessary higher taxes that are
coming to all of you. It's coming, it's coming. Do
something now so you could take advantage of the opportunities
that will be there for you. As opposed to saying,
(08:00):
oh my gosh, I'm part of everyone, or everyone lost money,
or everyone's paying more in tax, or everyone doesn't have income. No,
that's not the case. Do the planning now so you
can have a plan. You know, it's an insurance plan.
You know, it's a tax free retirement plan. That's what
the Maggie plans about. It's bucket planning. It's looking from
a complete angle. Think about looking through glasses from a
(08:23):
different lens. You know, you might be looking at retirement
right now. I got to get to a certain amount
and then I can retire. Well, that might not be
the case. There might be some other strategies that you
already have enough money. We had a client, two clients
last week that came in and the first thing when
we met with them, they said, I have to keep
working because I have to get to a certain number.
And we stopped and we looked at their social security,
(08:45):
we looked at their income. We asked them how much
they need per month, and guess what the amount of
money they had. They just didn't know what to do
with it. So we created bucket planning and we showed
them that you turn this bucket on, you let these grow.
This will give you the guaranteed income in the most
tax efficient way. And guess what, but they can retire
for life. And they sat back and they said, what
about inflation. Well, those are the other two buckets that
(09:06):
are growing. So when inflation does happen worse than it
is now, then you could turn on for guaranteed income
for more income. And they said, oh my gosh, we
never were shown this before. You know, our advisor who
is currently looking at their accounts. All they do is
buy and sell, and that's not what they're looking for.
They want a plan. They deserve a plan. You do too,
(09:26):
So pick up the phone, schedule time they meet with us.
Eight three to three mag attacks. We have office on
both sides of the Bay. Maggi Tax dot com eight
three to three Magi Tax and.
Speaker 2 (09:35):
Just remember it's an insurance plan where you can have
tax free income when you pass. It's an investment plan
where you work with a complete advisor who offers institutional
money managers. Chris, we talk about this all the time
with our clients, about transactional and institutional. And every time
you do a comparison, when you do the comparison of
their accounts, they don't realize what they do realize once
(09:56):
you get to tell them that they have transactional advisor
in that's all they're given. There's no other options to
make it better.
Speaker 3 (10:03):
Well, think about it. You know, maybe it's not your fault.
It's not your advisor's fault. Maybe they just with a
brokerage company or a company financial company that offers limited options.
And you know that's why we're independent. We're not tied
to anyone company. We have to do the best thing
for you, so we can go out there and get
whatever we need to help you. If if think about
life insurance for a minute, if if someone has diabetes,
(10:24):
we can go and get a policy that with a
company who understands diabetes or high blood pressure or whatever.
It is same thing with income. If there's a company
that has guaranteed income or higher interest rates. We can
go out and shop that to do the best thing
for you. So that's why it's so important to meet
with us. You know, at Maggi Tax Advisory, we do
a lot of different things. We care about our clients.
We want you to have income in the most tax
(10:46):
efficient way. We want you to enjoy your retirement without
the worry of the volatility of the market. It's totally
up to you. Pick up the phone, schedule time to
meet with us a three to three Maggitas.
Speaker 1 (10:58):
Stop planning for Uncle Sam's or timeirement and start planning
for your retirement. As we return to the Maggie Tax
and Financial Hour with your host, father and son Robert
and Chris Maggie. For additional information on how you can
create a tax free retirement, visit Maggie Tax dot com.
That's ma Ggi tax dot com. Or call eight one
(11:19):
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty now your host
for the Maggie Tax and Financial Hour, Father and son
from Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 2 (11:35):
Welcome back and you're listening to the Maggie Tax and
Financial Show. I am Robert Maggie and I'm here with
Chris Maggie, and today we're talking about being able to
ask for help, because if you ask for help, then
you might get some solutions to your problems. And because
of what a transactional advisor we've just talked about that
who just wants to sell you a product or service
that you don't need. I think that's one of the
(11:55):
things that we see. So a fiduciary will recommend the
best solution for you. And that's what it's all about.
Understand the solutions and remember always remember it's your money.
Ask for help. Ask so you can have safety and
guaranteed income. Because this is what people are asking for.
You just have to ask eight three to three Magi
Tax and stop looking in the past and stop the
(12:16):
excuse that we have to wait. We have to wait.
What are you waiting for? Okay, you know what's going
to happen in two years. The Trump tax cuts are
going to expire. Do something about it now. Go to
our website, Maggie tax dot com, click on the retirement
calculator and see for yourself what's going to happen. When
you have an IRA that you have to start taking
money of and what you're going to pay in tax,
So now is the time to plan and ask the question,
(12:39):
So again a three to three MAGI tax. So where
does it say that you have to lose money in
the market, Chris? Is that something that you've read somewhere?
Because I don't know where. I read a lot of books.
I don't see that.
Speaker 3 (12:48):
Well, that's exactly right. You don't have to. And that's
why when you come in to meet with us, we'll
talk about your risk tolerance. And there's red money, and
there's green money, there's yellow money. Where are you investing
your money? And we have clients that come in, new
clients that come in and they're losing money and they're
frustrated and they don't know what to do. And they said, well,
isn't everyone losing money? And the answer is no, it
(13:08):
is not. Because there are strategies to protect yourself, strategies
to be in the market, but take advantage of the
upside and not the downside. There's ways to make money
when the market goes down. Are you open or are
you aware of these strategies? And maybe your advisor because
we're talking about transactional advisors. They're not showing you that.
And maybe it's just not their fault, but that's just
(13:29):
not equipped with the right tools to help you. And
when you're about to retire and you're in retirement, you
are in a different phase of your life. At this point,
you're in the distribution phase of your life. You need
to protect what you have. You need to make sure
you have that guaranteed income because you don't want to
wake up ten years after you retire thinking, oh my gosh,
I got to go back to work to survive. That's
(13:49):
why bucket planning is so important. That's why we have
to put together a plan for you. A plan, a
complete plan. It consists of income planning, investment planning, what
about tax planning? Those three rate there have to work
all together. If not, then you have an incomplete plan.
And many people come in and they don't have a
tax plan. They're paying huge amount of taxes because their
(14:11):
advisors shown them the wrong way to take a distribution.
Why because they don't know what They don't know either.
That's why it's so important to get a second opinion,
pick up the phone, schedule time to meet with us.
Eight three three Maggie Tax. That's eight three to three
Magi Tax.
Speaker 2 (14:23):
That's because we've been taught it's okay to put money
in the market lose, that's okay, and it's not What
should be written is that you should learn to ask
for help and not have that situation and don't be afraid.
Don't just sit there and do nothing. And that's not
a plan. So call us at eight three to three
MAGI tax. Be sure to visit our website Maggie tax
dot com. We have a lot of videos on there
that we're talking about bucket planning and Medicare and social security.
(14:46):
These are educational thirty minute maybe twenty minute you know
events there. But we're willing to sit down with you
and answer all your questions. And here's the thing. When
you meet with an advisor, come in with questions. Okay,
you need to ask. There's no cost and no obligation
because we're going to ask all of you to tell
us the truth and what you are worried and concerned about.
(15:07):
It's not like Chris said before, it's not about this
is your money, it's not our money. So you have
to tell us what you're looking for, and we do
you know, a budget sheet from a lot of people,
because a lot of people don't even know how to
budget their money. Chris mentioned something before about a couple
that came in and they had enough for retirement, but
they just didn't know how to put the buckets together.
And think about it. He's sixty five years old, she's
(15:30):
sixty eight years old, and they're worried. I think many
people out there, Chris, are worried that they have to
keep working. They have to keep working. But if you
have enough money and you start positioning where you mentioned
a keyword before the distribution phase, that's when they start
to get that aha moment, like, wait a minute, I
just accumulated all this money. Now how do I use
it in retirement for the next forty years of my life?
(15:50):
And that's the problem. But they just don't ask.
Speaker 3 (15:52):
Well, that's just it. You know, no one's showing them that.
They just say, hey, you get to a certain dollar
amount and you can retire. But that's not true. Think
about it. Say you got to a million dollars like
many people say you should get to. Well what if
the market goes down forty percent? Now you have six
hundred thousand, So when your value goes down, the amount
of money you can access goes down as well, and
(16:13):
then you start worrying and you start getting very tight
on how much you can spend and what kind of
retirement is that when you've work so many years to
put money away to do the things that you want
to do. That's why it's so important to do it
now if you can, but also pay yourself. You need
to make sure you're paying yourself in the accumulation phase
to make sure your accounts are growing. But the distribution phase,
(16:34):
you can turn these buckets on for guaranteed income. So
guess what you're getting a paycheck in retirement or pay
checks or play checks, there's a combination. Why not have
four or five six different paychecks come in guaranteed during
your retirement. That means you can spend the heck out
of it every month and do it all over again.
How a great feeling that could be when you have
(16:57):
to wake up and you have to worry about income. Now,
what about the tax out of it? If you incorporate
the two and you also call talk about the estate
planning side, that you can keep everything in the family.
Now you have a plan. Now you have a complete
plan and we can help eight three to three magi tax.
Pick up the phone eight three three magi tax.
Speaker 2 (17:13):
And Chris just mentioned pretty much all of it. But
it's an income plan, then ask if it's taxes, then ask,
if it's investments, then ask, and don't think just what
you have is what you have to keep. There's something
out there that might be better. So what is it?
What is it that you need help with? Eight three
to three magi tax. So let's meet for an hour
or even two, I don't care, and see how we
can help each other. What's wrong with that because the
(17:36):
thing is that most of you go to an advisor
when you sit there for five or ten minutes, so
they call you on the phone. That's not an advisor. Chris.
Then we meet people all the time and it takes time.
We don't push him out the door because it's not
the way to do business. So you know, you've got
to make sure you do it right. And I'd like
all of you to understand there's tons of help out there,
but you have to ask eight three three magi tax.
(17:58):
So when you call my office and set an appointment,
you're going to meet with me and Chris. We do
not pass you on to another agent. We had clients
come in last week and say, wow, we hear you
on the radio and watch you on TV and we're
actually gonna meet with you. Well, who did you think
you were going to meet with? I mean, Chris. Isn't that,
you know, confusing when someone says that I'm not going
to pass them on to some other person. This is
(18:18):
what our show is about. This is what you and
I do for the Maggie Tax Show.
Speaker 3 (18:21):
Well, this is what we do each and every day,
and that's why we love do what we do. It's
a passion of ours. We enjoy helping people. You know,
it's really great when you can tell someone that they
can retire and you can also great when you show
people that they have buckets of money and the market
is tanked and they're okay, they didn't lose anything. It's
really nice to show people that you know, your accounts
have a purpose and that you can turn this bucket
(18:42):
on for to combat inflation, or we can really show
clients to turn on this bucket for guaranteed income or
to enhance their legacy income tax free. What a great feeling.
So pick up the phone, schedule time to meet with
us eight three three Magi Tax. That's eight three to
three Magi attacks.
Speaker 1 (19:02):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host, father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie Tax dot com. That's
ma gg I tax dot com or call eight one
(19:24):
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty. Now your host
for the Maggie Tax and Financial Hour, Father and son
from Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 3 (19:40):
Thank you so much for tuning in today's show. I'm
Chris Maggie, and you listen to Maggie Tax and Financial Show.
And throughout today's show we're talking about tax planning, investment planning,
income planning, sol security maximization planning. If you have questions,
pick up the phone, schedule time to meet with us.
If you are at sleep at night and you wake
up and you have questions and no one's there to
help you, you pick up the phone. In the morning,
(20:01):
schedule time to meet with us because we can definitely
help you and talk through your retirement questions. We have
offics on both sides of the Bay. Feel free to
visit our website Maggie Tax dot com. That's m A
G G I T a X dot com. There's so
much information right there at your fingertips and as well
as our TV show every Sunday on ABC TV at
ten thirty am for the Maggie Tax and Financial Show
(20:24):
ABC every Sunday at ten thirty am. So let's continue
on what we're talking about today, the Maggie Plan, but
also what are asset classes and how does someone go
about investing the right way?
Speaker 2 (20:37):
Well, that's a great question, and the asset classes are many,
so we're going to cover them and talk about how
it's related to taxes because you probably have these and
you don't even know what the actual risk is. So
the first one some asset classes and where they fall
on the tax risk. Let's talk about tax deferred accounts
like four O one ks and iras, and since taxes
(20:58):
will defer to the future on both contributions and growth
in these accounts, one hundred percent of the account value
may be subject to future tax changes. That's what we're
talking about. When the tax cuts expire, what is going
to be your tax rate. So in accordance to that,
one hundred percent of the distributions in retirement, they're subject
to the tax regulations and individual situation at the time
(21:21):
of distribution, which could be different. So what did I
just say? There are two things? Okay, you have a
tax deferred account that's growing, but then when you take
it out, it's tax and at what level.
Speaker 3 (21:31):
We don't know. It's a question mark tax rate. Okay,
because tax rates can change and we don't know. It's
called legislative risk. That's the risk that we have and
that's what we don't know of. So we have to
protect that and combat that if we can, and that's
what we can show you how to do.
Speaker 2 (21:45):
So would you agree individual situation on everyone with tax
deferred accounts is different?
Speaker 3 (21:50):
Absolutely, And that's why we have clients that are taking
money out of a tax deferred account and paying no tax.
Because there's ways on the tax side of this thing
to look at it to formulate a plan as a
distribution to take income in the most tax efficient way.
Speaker 2 (22:03):
I just lead into my next one here. What about
roth accounts like roth iras and WROTH for one case,
and the funds in these accounts can be assessed income
tax free in the future since taxes have already been
paid on contributions and growth in a WROTH is not taxed.
Why are we talking about that because you should be
starting to think about putting money into a tax free
(22:24):
account that they have given us the government to save
for retirement. Pay the tax now at the low rate,
and then have tax free at a rate when you
get retired. And that's what we're talking about. The retirement calculator.
If you don't know what your tax bill is going
to be, now is the time to find out. Go
to my website, Maggie tax dot com. Click on the
retirement Calculator. Folks, In thirty seconds, I can tell you
(22:45):
what your tax bill is going to be. Then you're
going to understand what we're trying to tell you and
come in, pick up the phone and meet with us.
Speaker 3 (22:51):
And that's just it, you know, understanding what you have.
Many people have these statements. They get these statements of
the mail. They sometimes don't even open them. They just
recycle them or them and they just get bigger and
bigger and bigger, and then someday they go through them
and they don't really know and they just throw them
all away and they don't have no idea what they have.
You might have an account there that's infected with taxes
for so long you have no idea how to diffuse
(23:11):
the tax time bomb. We can show you how you
might have accounts out there that guess what, you're taking
so much risk, you're losing money, You have no idea
what you're invested in. How many people out there are
in that situation. Raise your hand, It's okay, But there's
a solution for it.
Speaker 2 (23:27):
You know.
Speaker 3 (23:27):
That's why we talk about the Maggie Plan, because when
you come in to meet with us, we're going to
talk about the balance sheet. We're going to show you
where your money's at. We're going to show you every
account that you have, what's taxable, what's non taxable, what
type of risk you're currently taking with your money, And
we talk about asset classes. Where are you invested in?
Where should you be invested in? Where do you want
(23:48):
to be invested in? Many people have no idea, but
they can if you work with the right advisor. So
pick up the phone schedule time to meet with us
eight three three Magi tax schedule time eight three to
three Maggie Tax.
Speaker 2 (24:00):
And let me go back to the Wroth account for
a minute, because this protects these accounts from both situational
and legislative future tax changes which we've been talking about.
The government could change tax regulations pertaining to how savers
can contribute. Think about that, because it's written in pencil,
how you withdraw funds, what's going to happen then, So
so with a Wroth account you have tax free income
(24:20):
that's what you're trying to save for. It avoids the
legislative risk that we're talking about it. So let's discuss
non qualified annuities. This is important because the cost basis
in these accounts, they have been taxed and they're not
subject to future tax changes. Why because taxes are deferred
to the future on all growth inside these accounts, the
(24:40):
portion of the account value representing growth, it may be
subject to both situational and legislative future tax changes. And Chris,
it goes back to the same two words, legislative risk
and future tax changes are how are you how are
you listening out there doing something about this?
Speaker 3 (24:56):
Well as just said, I mean how when in retirement,
how can you go along and take a distribution to
go on a cruise, or how do you take a
distribution to go help your family, or how do you
take a distribution to go and travel without knowing what
type of impact these accounts are going to cause you
tax wise. It doesn't make sense. It's like driving in
(25:16):
a car and not knowing if it's gonna if it
can stop with a braakes work or not. That's what
you're doing with the formal k or an irate. You're
going through retirement and you have a question mark tax rate.
You don't know what you're going to pay in taxes.
So working with the right advisor, if we put together
the buckets of money in the right way where you
have tax free money and you also have taxable money,
(25:38):
and how to diffuse the tax time bomb in the
most tax division way, that's so important for you and
your family, especially in retirement. So that's why you need
an advisor to work with you and help you. And
we talk about the puzzle, the financial puzzle throughout the
whole show today. It's about the income tax piece puzzle,
the investment tax piece puzzle, the the tax puzzle. I mean,
(26:02):
how many know what they're going to pay a tax?
These state planning piece puzzle, what are you doing about it?
So if one of these pieces are missing, you don't
put together, the whole puzzle doesn't work right, So meet
with us, get together, let's have a conversation eight three
to three MAGI tax, tax planning, income planning, investment planning
and state planning, solid security maximization planning, medicare planning. We
(26:23):
can help a three to three MAGI tax.
Speaker 2 (26:25):
And just remember what we're talking about today. A portion
of your assets coming out of these accounts, they're subject
to some tax regulations at the time of distribution, and
it could be different from tax regulations today. Change. That's
what it's called. So let's talk about what about taxable accounts.
The funds in these accounts, they're taxable every year, and
(26:45):
they're subject to tax changes around capital gains like dividends,
step up in basis rules, and all distributions of growth
in these accounts are subject to the tax regulations again
at the time of distribution, which could be different from
the tax regulations of today.
Speaker 3 (27:01):
Right, And that's what we're talking about. Those brokerage accounts
that you have, or maybe the CDs that you have
at the bank, or you know the types of non
qualified assets. And many people out there are saying, what's
non qualified? That's just exactly it. You need to understand
what's qualified, what's non qualified? Qualified with the government with
the IRS taxable, so non qualified assets, you don't have
(27:22):
to pay one hundred percent on tax on these accounts.
So where are your money, where is your investments? What
are they doing? How is it going to be taxed?
These are the questions that you need to have answers to.
So pick up the phone and schedule time to meet
with us. Let's get together, Let's talk about your concerns.
Let's talk about getting a second opinion for your accounts.
(27:42):
Eight three to three Maggie Tax. Eight three to three
Maggie Tax.
Speaker 2 (27:45):
And just a reminder, go to our website Maggie tax
dot com, click on seminars and register for our upcoming seminars.
They're all over Tampa Bay, different locations. All you gotta
do is just click on the one you want and attend.
It's about an hour and a half. So these are
things that we want to teach you, we want to
help you, we want to make you understand the language,
because that's what's happening out there. There's so much noise,
(28:06):
if you will out there, Chris, the people are totally
confused and they have no idea. You said it before.
We're in a yo yo economy and people lamp when
we say that, but we are.
Speaker 3 (28:14):
Yeah, and you're on your own, and that shouldn't be
the case. But if you have the education and the knowledge,
and you understand what you've done for your retirement and
how it's going to impact you, then guess what. You're
controlling your retirement and you're not in the yoyo economy
where you're on your own. So many people are going
to fall victim to the changes that are about to happen.
(28:35):
But you don't have to. You know, where is it
written that you have to lose twenty thirty forty percent
of your account in the stock market? Where is it
written that that's okay? You don't have to if you
don't want to take that risk. But if you're taking
that risk right now, then why if you don't want
to just because you're following the crowd, you don't have
to go down that route, you know, do you want
(28:56):
to retire. You don't have to wait to sixty two
or sixty five or seventy just because the Social Security
statement gives you those numbers. You can retire any time. So,
but you need to have a plan to give you
the income every month so you don't have to leave
your house if you don't want to. That's called an
income plan. And also an investment plan that can give
you the income you need so you don't run out
(29:18):
of money. And also and then a tax plan. They
make sure that the money you do receive is not
hitting you so hard with taxes. My gosh, those are
three big impacts that you need to be aware of.
And many of our clients who come in each and
every day new clients come in, they have no idea,
but once we put together a plan, it's like an
(29:38):
Aha moment film. They have clarity, they have control, they
understand what they have, and now they're in better position
to enjoy the retirement. So pick up the phone, schedule
time to meet with us. Eight three to three magi tax.
That's eight three to three magi tax.
Speaker 2 (29:53):
And let me leave you with this Five ways that
taxes can rise in retirement, and they may apply to
all of you. One can change your tax bracket. That's
the most important one. Tax brackets change around you, okay,
and deductions are eliminated. This is big. What's the standard
deduction now? And does that reduce your taxes? And the
way assets are tax changed, meaning you know, capital gain taxes,
(30:15):
you know things like that. New taxes are enacted. This
is happening right now. This is what we call in
two years, the tax cuts are going to expire. Pick
up the phone eight three three Magi Tax. Visit our
website Maggie tax dot com, click on the seminars. Register
for our seminars on all we're talking about estate planning,
tax planning, social security and anything else that you want
(30:35):
to talk about. It's up to you. Pick up the
phone eight three to three Magi Tax. Their operators standing
by right now. Don't forget. Tune into our TV show
every Sunday on ABC at ten thirty.
Speaker 1 (30:46):
So.
Speaker 2 (30:46):
Visit our website, Maggie Tax dot com, click on seminars,
click on the retirement calculator. We're offering this to each
and every one of you. It's up to you to
do something about it. Eight three three Maggie Tax and
visit our website Maggie Tax dot.
Speaker 3 (30:58):
Com and every Sunday too into the Maggie Tax at
Financial Show on ABC TV at ten thirty am. Baggie
Tax dot Com.
Speaker 1 (31:06):
Stop planning for Uncle Sam's retirement and start planning for
your retirement as we return to the Maggie Tax and
Financial Hour with your host, father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie tax dot com. That's
ma gg I tax dot com or call eight one
(31:27):
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty. Now your host
for the Maggie Tax and Financial Hour, Father and son
from Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 2 (31:44):
Welcome back everyone, Thanks for joining us today. My name
is Robert Maggie. I'm here with my son Chris Maggie.
Don't forget visit our website, Maggie Tax dot Com, click
on seminars and register for our seminar coming up. That
we do on a state planning, social security and tax
is very informative, it's educational and they're all done library
so check it out on our website Maggie tax dot com.
And again, don't forget the retirement tax bill. Click on
(32:07):
retirement tax But we've helped a lot of people out
there understand you will have a tax time bomb and
a couple of years when the Trump tax cuts expire.
Just click on retirement tax bill. Let's get together. Now.
Along the way, we talk about a state planning and
why people need it. So let's go into that for
a little bit, because a state planning often goes hand
in hand with creating and this is where people get confused.
(32:28):
A will and most people believe that's not something you
need to worry about until you get older, and that's
not true. This holds true for everyone listening today. But
when it comes to a state planning, there's no telling
when you may need it, and they're meant to be
there to carry out your intentions, your intentions, not the
government intentions, in the event that you aren't able to
(32:48):
make decisions on your own, and such accidents can happen
even when you're young. And we know this, We see this,
you all know that what I'm talking about, and that's
why Maggie Tax, we want to convey the importance of
everyone out there, adults of all ages that need a
state plans and Chris, I'm telling you, advisors missed this,
banks miss this, CPA's miss it. And it's the most
(33:09):
important fiduciary thing that you could do. Absolutely and I
can't not agree with you more.
Speaker 3 (33:14):
I'll tell you what. Most people they just go for
the investments and this is what you need to invest in,
but they miss the rest of the story and all
this should be put together as a plan. So one
of the things that we want to focus on is
keeping the power of choice when you can't make decisions.
This is so important. Becoming disabled or incapacitated can happen
(33:34):
to you at any age, in regardless of how young
or old you are. Just check out the news. You
see the stories. It's horrible, so it can happen. That's
why having estate plan as soon as you can is
always a good idea. Otherwise someone else may have to
make important decisions for you center around your finances or
your medical preferences and more so. That's why when you're cognitive,
(33:57):
when you're thinking clearly, spend some time, make this happen
and you can always change it in the future.
Speaker 2 (34:04):
It's very simple. Just pick up the phone, give us
a call eight three to three, Maggie Tax, let's sit
down talk about your estate plan. It's really simple, but
let's get it done. And you may have to have
more assets than you think. This is a question that
we get. So in this day and age, it's become
uncommon for any adults to have many assets. Okay, because
of what's going on spending money. You know, their accounts
(34:25):
are going down. So but you don't hear about many
millennials or those from Gen Z owning a house or
having investments. What's happening there is they're living with who
the parents. Everyone has assets that they may not realize.
For instance, you may have a decent sized four oh
one K account if you work a full time job.
So even the cash in your bank that you may
not see is significant enough to reallocate. It's still your
(34:48):
property and worthy of being protected. And Chris, this is
a big problem that people don't think about when you've
just mentioned it before that you went to open up
a checking account and what happened there was no beneficiary
the ball to ask you for one.
Speaker 3 (35:01):
Well, let's just say you know, small accounts just like
that might be a large account in the future. You
know what, if you inherit some money and you put
the money there at that bank account and guess what,
it's not titled the right way, then it's not going
to stay in the family and go to where you
want it to go. So each of this, these things
we're talking about are just as common that we see.
That doesn't have to be that way. And when you
go through the probate process, then that opens up everything.
(35:24):
Everyone can see, everyone can see and get into your
personal business. You don't want that to happen if if you,
if you could do some proper planning. So one of
the other things we talk about is authorize who can
access your digital assets. This is important as well. Things
are going digital. We've seen it over the years more
than we've ever seen before. Countless young adults do everything
(35:44):
on their phones, including making payments and managing funds. But
should you ever become disabled or incapacitated, well, what happens.
It's a good idea to appoint someone to acquire your
log in credentials to access your accounts for you. This
is extremely important. Your banking app, any money transaction apps,
and even your social media applications. So your state plan
(36:06):
can state your chosen durable power of attorney and who
you want it to be, along with the means to
access your digital assets. That's what a power of attorney
is about. If you ever are disabled or incapacitated, someone
who is living can step in for you and take
care of these things for you. So get these documents.
You need to make sure that you have the proper
(36:26):
counsel to get these put to in place the right
way for you, and we can help pick up the phone.
Schedule time to meet with us AD three to three,
Maggie tax.
Speaker 2 (36:34):
One thing I can share with many of you out
there are older people like me. I'm old, not that old,
but I'm older and Chris is young. And what's taken
place here is that the digital side of it, it's
more prevalent than ever and we have to get used
to the change. I mean, son, my two sons, they
know everything about me, and they have my username and
passwords because even my garage door, the combination they know
(36:58):
because what happens if and then This is so important
why a state planning and sitting down putting everything on
paper legally is going to protect you, So protect your
loved ones at any age, and estate plans also account
for what happens to your family when you're no longer
able to care for them. You can choose who will
take guardianship of your children or ensure that your spouse
(37:20):
is the one who receives your assets. Christ This is
important about guardianship. Many people don't. They may have a
special needs case and they have to do it right
where it's basically says on the paper who's going to
do what and who's going to get what.
Speaker 3 (37:33):
It needs to be spelled out, and that's why it's
so important, and especially nowadays, it's common for young adults
to be single with only animal companionships waiting for them
at home. In this case, the state plans can still
be of use, so you can be able to make
sure that everything's taken care of. You can have that
decision where your pets will go, who will take care
of them, and even how to take care of them
(37:55):
for you if their concerns are with medication or dietary instructions.
Maaggi Tax Advisory, we can help you. We can help
you get started on your estate plan. It's just so
important for young adults, adults, whatever age. I don't care
what it is to have an estate plan as any
senior would. It's important, but who can you trust to
assist you with the legalities of your wishes. You to
(38:17):
sit down and think about this. We have ten questions.
We can explore this with you. We can go through
this with you to help you and guide you through
this process. Eight three three Magi tax. Pick up the phone,
schedule time to meet with us. Make sure your accounts
avoid probate, make sure your decisions are made the way
you want to. We can help eight three to three
Magi Tax. That's eight three to three Magi Tax.
Speaker 1 (38:41):
You've been listening to the Maggie Tax on Financial Hour
discussing tax planning investment strategy is presented by Robert and
Chris Maggie from Maggie Tax Advisory and Financial Services with
offices in Hillsboro and Panela's County. Visit Maggi Tax dot
com or call eight one three three two two twenty
five twenty that's eight one three three two two twenty
(39:03):
five twenty and tune in next Saturday at five for
the Maggie Tax and Financial Hour
All these years you've saved up planning for secure retirement,
but if you're not careful, it will be the irs
that's living it up when you retire by taxing your
hard earned money. Welcome to the Maggie Tax and Financial
Hour with Robert and Chris Maggie of Maggie Tax Advisory
and Financial Group. With over thirty years of combined experience
and tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement nest egg from Uncle Sam. Your questions and
comments are welcome during today's program by calling eight one
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty, or visit Maggie
Tax dot Com. That's Maggi tax dot com and now
(00:46):
your host for the Maggie Tax Financial Hour on nine
seventy WFLA. Robert and Chris Maggie.
Speaker 2 (00:52):
Welcome everyone, and thanks for joining us today. My name
is Robert Maggie and I'm here with Chris Maggie and
thanks for joining us today on the Maggie taxin Financial Show.
Be sure to visit our website Maggie Tax dot com
and don't forget Every Sunday at ten thirty on ABC TV,
tune into the Maggie Tax and Financial Show. So, Chris,
we have a lot we want to talk about. Taxes,
we want to talk about are what we do with
the Maggie Plan. So let's get started and see what
(01:15):
we got today.
Speaker 3 (01:15):
Welcome everyone, and thank you so much for tuning into
our show. And how many of you out there are
just afraid to ask for help? You know, we're all
human and we get to that point sometimes in our
life that we are afraid to ask for help. But
maybe you are afraid to ask. It might seem stupid
to ask those questions, but really, what's on your mind?
Many people out there are worried about their retirement. They
worried about the market volatility, the word about running out
(01:38):
of money, the word about well when what do I
do with Medicare and social security planning? But you know,
maybe you didn't want to impose on people because you
were afraid to ask for help. And my dad and
I are like that, you know, my brother is like that.
You know, maybe you're that way. We're just human, as
I mentioned before, But sometimes it takes many years until
you reach a point that you are in so much
trouble that you must ask for help. And many people
(02:01):
out there are going through retirement and they really just
don't see the positive focus on what their retirement's going
to look like because they have those fears and then
they're uncertain. And you don't have to be that way
if you do the proper planning, you know, and.
Speaker 2 (02:15):
There's absolutely nothing wrong with that, because you're human and
we see people every day that need our help, but
we're afraid to ask. Many of you listening right now
need our help. And you have to ask a question.
What's on your mind? You know, what's the elephant in
the room. Are you worried that in twenty twenty five,
the Trump tax cuts are going to expire. We talk
about that every week on our show, and it's starting
(02:35):
to resonate with people because it's going to happen. Are
you afraid to ask for help or will you just
wait until you get hit with a huge tax time bomb?
And Chris, with that said, we had many people coming
in and they're starting to realize that in another in
twenty twenty five, what's going to happen? To the taxes
it's going to go up. So you know, we have
the retirement tax calculated to help all of them, and
(02:56):
in thirty seconds we can show you what your tax
bill will be in retirement. Just ask for help. It's
that simple.
Speaker 3 (03:03):
And here's an example that we're talking about. Sometimes you
get in so much trouble you will have to ask
for help, and it's never too late. And that's why
I pick up the phone, schedule time to meet with
us eight three to three Maggie Tax. And our website,
Maggie tax dot com is so much information right there
at your fingertips and we can help you. If you're
looking for income planning, we can help. If you look
at a tax planning, we can help. We had a
(03:24):
client that came in last week talked about roth conversions
and if they should convert their iras to roths. They said, well,
I hear a lot about it. Is that good for me?
And I explained to them that in their particular situation,
it wasn't the right move. But I had a client
that came in later on that day and guess what
it fit them to the t It was a perfect opportunity,
and I showed them ways to create a tax deduction
(03:46):
so they can offset some money coming out of the
IRA and pay the least amount of tax as possible.
So you know, these people are asking for help, they
need it, and we can help. Pick up the phone,
schedule time to meet with us. Eight three three, Maggie, tax.
Speaker 2 (03:58):
A simple way. We have some on a state, social
security and tax planning. And every time we do these seminars,
people say, well, no, I know about that. But when
we start the seminar we start talking about wills and
trusts and we talk about social security and tax planning,
it starts to resonate what people say, now, I need help.
So we also talk about bucket planning and so much more.
(04:19):
And bucket planning, Chris is a big thing right now
because of what we do with clients. You mentioned it before,
had to position their money for income planning, for tax
planning and growth because so many people and I know
the other day we had a client come in. They're
so used to the old way that they have to
keep their accounts there and that's not true. The complaint
that she had is that, well, there's no tax planning
(04:39):
and there's no income planning, and what do I do
and what do you do is sit down and do
some bucket planning.
Speaker 3 (04:45):
Well, this, it's exactly it. I mean, every account that
you have with us has a purpose, whether it's for safety,
whether it's for growth, whether it's the combat inflation in
the future, whether it's a paycheck that you need, or
whether it's a play check. Playcheck is just extra income
coming in the front door that you can play with.
You can spend the heck out of it and do
it all over the next thirty days, so for the
forever and in your life. So these are income streams
(05:08):
that can come in and that's why we do bucket planning.
Why not spend down one of those buckets, but the
other bucket goes right back up to where you started.
So really you're living off of interest. How cool is that?
So pick up the phone, schedule time to meet with us.
If you're looking for an investment plan, we can help.
If you're looking for an income plan, we can help.
If you're looking for a tax plan, we can help.
(05:29):
If you can want to put all those three together,
so you have income in the most tax efficient way,
and you have accounts that are growing with safety and growth.
If that's what you want, we can help, So pick
up that phone, give us a call eight three three
Maggie Tax.
Speaker 2 (05:41):
Well we make it sound so simple, but the bottom
line is all you have to do is just ask.
So why are we making such a big deal of
asking for help? Because eventually all of us have to
make changes and ask for help. Something's going to happen
where you definitely need to make help. We take an
holistic approach. So what does that mean? We're a complete advisor?
And what the heck does that mean? We are a fiduciary?
(06:04):
So what does that mean? And why are we making
a big deal of this today? Why? Because if you
do not ask for help, then you have nothing to
complain about. And why are you listening to the Maggie
Tax and Financial Show. I hope you're looking to get
something out of it. Why because you need help, You
need professional help, and we can help. Just ask eight
three to three Magie Tax, and ask now before taxes
(06:26):
go up, and ask now before your benefits get cut.
These are the complaints that we're hearing. All of you
can probably share the same thing. Ask for help now
if you think you will not have enough to retire,
So ask now. Why we talk about bucket planning and
why we discuss safe options. Ask now for help, So
sit down with us, have a conversation. Eight three to
(06:47):
three magi tax. Because doing nothing.
Speaker 3 (06:49):
Is not a plan, absolutely, and you know doing something
can save you from worrying about these things that you
can't control. So pick up the phone, schedule a time
to meet with us. Eight three to three men, Maggie tax.
That's eight three to three Maggie tax.
Speaker 2 (07:03):
And we're hoping that you listen to our show because
you want a better plan than what you have now,
and you have to start thinking about that. Many people
are complaining about things and they want to hide behind
the door and wait for something to happen. Please don't
do that. We take education very seriously because the more
that you know, meaning know, the more you know now,
then you can make a better decision. And we want
(07:25):
you to be ahead of the game so you can
enjoy retirement and have control over what happens in your life.
How many of you would like that, Just give us
a call. It's real simple, eight three to three magi
tax and let's discuss the Maggie plan. Simple and easy
to understand.
Speaker 3 (07:40):
And that's so exactly what the Maggie plans about. It's
income planning. It's a tax plan. It's guaranteed income planning
for life. It's a as I mentioned, a tax plan,
so you can avoid the unnecessary higher taxes that are
coming to all of you. It's coming, it's coming. Do
something now so you could take advantage of the opportunities
that will be there for you. As opposed to saying,
(08:00):
oh my gosh, I'm part of everyone, or everyone lost money,
or everyone's paying more in tax, or everyone doesn't have income. No,
that's not the case. Do the planning now so you
can have a plan. You know, it's an insurance plan.
You know, it's a tax free retirement plan. That's what
the Maggie plans about. It's bucket planning. It's looking from
a complete angle. Think about looking through glasses from a
(08:23):
different lens. You know, you might be looking at retirement
right now. I got to get to a certain amount
and then I can retire. Well, that might not be
the case. There might be some other strategies that you
already have enough money. We had a client, two clients
last week that came in and the first thing when
we met with them, they said, I have to keep
working because I have to get to a certain number.
And we stopped and we looked at their social security,
(08:45):
we looked at their income. We asked them how much
they need per month, and guess what the amount of
money they had. They just didn't know what to do
with it. So we created bucket planning and we showed
them that you turn this bucket on, you let these grow.
This will give you the guaranteed income in the most
tax efficient way. And guess what, but they can retire
for life. And they sat back and they said, what
about inflation. Well, those are the other two buckets that
(09:06):
are growing. So when inflation does happen worse than it
is now, then you could turn on for guaranteed income
for more income. And they said, oh my gosh, we
never were shown this before. You know, our advisor who
is currently looking at their accounts. All they do is
buy and sell, and that's not what they're looking for.
They want a plan. They deserve a plan. You do too,
(09:26):
So pick up the phone, schedule time they meet with us.
Eight three to three mag attacks. We have office on
both sides of the Bay. Maggi Tax dot com eight
three to three Magi Tax and.
Speaker 2 (09:35):
Just remember it's an insurance plan where you can have
tax free income when you pass. It's an investment plan
where you work with a complete advisor who offers institutional
money managers. Chris, we talk about this all the time
with our clients, about transactional and institutional. And every time
you do a comparison, when you do the comparison of
their accounts, they don't realize what they do realize once
(09:56):
you get to tell them that they have transactional advisor
in that's all they're given. There's no other options to
make it better.
Speaker 3 (10:03):
Well, think about it. You know, maybe it's not your fault.
It's not your advisor's fault. Maybe they just with a
brokerage company or a company financial company that offers limited options.
And you know that's why we're independent. We're not tied
to anyone company. We have to do the best thing
for you, so we can go out there and get
whatever we need to help you. If if think about
life insurance for a minute, if if someone has diabetes,
(10:24):
we can go and get a policy that with a
company who understands diabetes or high blood pressure or whatever.
It is same thing with income. If there's a company
that has guaranteed income or higher interest rates. We can
go out and shop that to do the best thing
for you. So that's why it's so important to meet
with us. You know, at Maggi Tax Advisory, we do
a lot of different things. We care about our clients.
We want you to have income in the most tax
(10:46):
efficient way. We want you to enjoy your retirement without
the worry of the volatility of the market. It's totally
up to you. Pick up the phone, schedule time to
meet with us a three to three Maggitas.
Speaker 1 (10:58):
Stop planning for Uncle Sam's or timeirement and start planning
for your retirement. As we return to the Maggie Tax
and Financial Hour with your host, father and son Robert
and Chris Maggie. For additional information on how you can
create a tax free retirement, visit Maggie Tax dot com.
That's ma Ggi tax dot com. Or call eight one
(11:19):
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty now your host
for the Maggie Tax and Financial Hour, Father and son
from Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 2 (11:35):
Welcome back and you're listening to the Maggie Tax and
Financial Show. I am Robert Maggie and I'm here with
Chris Maggie, and today we're talking about being able to
ask for help, because if you ask for help, then
you might get some solutions to your problems. And because
of what a transactional advisor we've just talked about that
who just wants to sell you a product or service
that you don't need. I think that's one of the
(11:55):
things that we see. So a fiduciary will recommend the
best solution for you. And that's what it's all about.
Understand the solutions and remember always remember it's your money.
Ask for help. Ask so you can have safety and
guaranteed income. Because this is what people are asking for.
You just have to ask eight three to three Magi
Tax and stop looking in the past and stop the
(12:16):
excuse that we have to wait. We have to wait.
What are you waiting for? Okay, you know what's going
to happen in two years. The Trump tax cuts are
going to expire. Do something about it now. Go to
our website, Maggie tax dot com, click on the retirement
calculator and see for yourself what's going to happen. When
you have an IRA that you have to start taking
money of and what you're going to pay in tax,
So now is the time to plan and ask the question,
(12:39):
So again a three to three MAGI tax. So where
does it say that you have to lose money in
the market, Chris? Is that something that you've read somewhere?
Because I don't know where. I read a lot of books.
I don't see that.
Speaker 3 (12:48):
Well, that's exactly right. You don't have to. And that's
why when you come in to meet with us, we'll
talk about your risk tolerance. And there's red money, and
there's green money, there's yellow money. Where are you investing
your money? And we have clients that come in, new
clients that come in and they're losing money and they're
frustrated and they don't know what to do. And they said, well,
isn't everyone losing money? And the answer is no, it
(13:08):
is not. Because there are strategies to protect yourself, strategies
to be in the market, but take advantage of the
upside and not the downside. There's ways to make money
when the market goes down. Are you open or are
you aware of these strategies? And maybe your advisor because
we're talking about transactional advisors. They're not showing you that.
And maybe it's just not their fault, but that's just
(13:29):
not equipped with the right tools to help you. And
when you're about to retire and you're in retirement, you
are in a different phase of your life. At this point,
you're in the distribution phase of your life. You need
to protect what you have. You need to make sure
you have that guaranteed income because you don't want to
wake up ten years after you retire thinking, oh my gosh,
I got to go back to work to survive. That's
(13:49):
why bucket planning is so important. That's why we have
to put together a plan for you. A plan, a
complete plan. It consists of income planning, investment planning, what
about tax planning? Those three rate there have to work
all together. If not, then you have an incomplete plan.
And many people come in and they don't have a
tax plan. They're paying huge amount of taxes because their
(14:11):
advisors shown them the wrong way to take a distribution.
Why because they don't know what They don't know either.
That's why it's so important to get a second opinion,
pick up the phone, schedule time to meet with us.
Eight three three Maggie Tax. That's eight three to three
Magi Tax.
Speaker 2 (14:23):
That's because we've been taught it's okay to put money
in the market lose, that's okay, and it's not What
should be written is that you should learn to ask
for help and not have that situation and don't be afraid.
Don't just sit there and do nothing. And that's not
a plan. So call us at eight three to three
MAGI tax. Be sure to visit our website Maggie tax
dot com. We have a lot of videos on there
that we're talking about bucket planning and Medicare and social security.
(14:46):
These are educational thirty minute maybe twenty minute you know
events there. But we're willing to sit down with you
and answer all your questions. And here's the thing. When
you meet with an advisor, come in with questions. Okay,
you need to ask. There's no cost and no obligation
because we're going to ask all of you to tell
us the truth and what you are worried and concerned about.
(15:07):
It's not like Chris said before, it's not about this
is your money, it's not our money. So you have
to tell us what you're looking for, and we do
you know, a budget sheet from a lot of people,
because a lot of people don't even know how to
budget their money. Chris mentioned something before about a couple
that came in and they had enough for retirement, but
they just didn't know how to put the buckets together.
And think about it. He's sixty five years old, she's
(15:30):
sixty eight years old, and they're worried. I think many
people out there, Chris, are worried that they have to
keep working. They have to keep working. But if you
have enough money and you start positioning where you mentioned
a keyword before the distribution phase, that's when they start
to get that aha moment, like, wait a minute, I
just accumulated all this money. Now how do I use
it in retirement for the next forty years of my life?
(15:50):
And that's the problem. But they just don't ask.
Speaker 3 (15:52):
Well, that's just it. You know, no one's showing them that.
They just say, hey, you get to a certain dollar
amount and you can retire. But that's not true. Think
about it. Say you got to a million dollars like
many people say you should get to. Well what if
the market goes down forty percent? Now you have six
hundred thousand, So when your value goes down, the amount
of money you can access goes down as well, and
(16:13):
then you start worrying and you start getting very tight
on how much you can spend and what kind of
retirement is that when you've work so many years to
put money away to do the things that you want
to do. That's why it's so important to do it
now if you can, but also pay yourself. You need
to make sure you're paying yourself in the accumulation phase
to make sure your accounts are growing. But the distribution phase,
(16:34):
you can turn these buckets on for guaranteed income. So
guess what you're getting a paycheck in retirement or pay
checks or play checks, there's a combination. Why not have
four or five six different paychecks come in guaranteed during
your retirement. That means you can spend the heck out
of it every month and do it all over again.
How a great feeling that could be when you have
(16:57):
to wake up and you have to worry about income. Now,
what about the tax out of it? If you incorporate
the two and you also call talk about the estate
planning side, that you can keep everything in the family.
Now you have a plan. Now you have a complete
plan and we can help eight three to three magi tax.
Pick up the phone eight three three magi tax.
Speaker 2 (17:13):
And Chris just mentioned pretty much all of it. But
it's an income plan, then ask if it's taxes, then ask,
if it's investments, then ask, and don't think just what
you have is what you have to keep. There's something
out there that might be better. So what is it?
What is it that you need help with? Eight three
to three magi tax. So let's meet for an hour
or even two, I don't care, and see how we
can help each other. What's wrong with that because the
(17:36):
thing is that most of you go to an advisor
when you sit there for five or ten minutes, so
they call you on the phone. That's not an advisor. Chris.
Then we meet people all the time and it takes time.
We don't push him out the door because it's not
the way to do business. So you know, you've got
to make sure you do it right. And I'd like
all of you to understand there's tons of help out there,
but you have to ask eight three three magi tax.
(17:58):
So when you call my office and set an appointment,
you're going to meet with me and Chris. We do
not pass you on to another agent. We had clients
come in last week and say, wow, we hear you
on the radio and watch you on TV and we're
actually gonna meet with you. Well, who did you think
you were going to meet with? I mean, Chris. Isn't that,
you know, confusing when someone says that I'm not going
to pass them on to some other person. This is
(18:18):
what our show is about. This is what you and
I do for the Maggie Tax Show.
Speaker 3 (18:21):
Well, this is what we do each and every day,
and that's why we love do what we do. It's
a passion of ours. We enjoy helping people. You know,
it's really great when you can tell someone that they
can retire and you can also great when you show
people that they have buckets of money and the market
is tanked and they're okay, they didn't lose anything. It's
really nice to show people that you know, your accounts
have a purpose and that you can turn this bucket
(18:42):
on for to combat inflation, or we can really show
clients to turn on this bucket for guaranteed income or
to enhance their legacy income tax free. What a great feeling.
So pick up the phone, schedule time to meet with
us eight three three Magi Tax. That's eight three to
three Magi attacks.
Speaker 1 (19:02):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host, father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie Tax dot com. That's
ma gg I tax dot com or call eight one
(19:24):
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty. Now your host
for the Maggie Tax and Financial Hour, Father and son
from Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 3 (19:40):
Thank you so much for tuning in today's show. I'm
Chris Maggie, and you listen to Maggie Tax and Financial Show.
And throughout today's show we're talking about tax planning, investment planning,
income planning, sol security maximization planning. If you have questions,
pick up the phone, schedule time to meet with us.
If you are at sleep at night and you wake
up and you have questions and no one's there to
help you, you pick up the phone. In the morning,
(20:01):
schedule time to meet with us because we can definitely
help you and talk through your retirement questions. We have
offics on both sides of the Bay. Feel free to
visit our website Maggie Tax dot com. That's m A
G G I T a X dot com. There's so
much information right there at your fingertips and as well
as our TV show every Sunday on ABC TV at
ten thirty am for the Maggie Tax and Financial Show
(20:24):
ABC every Sunday at ten thirty am. So let's continue
on what we're talking about today, the Maggie Plan, but
also what are asset classes and how does someone go
about investing the right way?
Speaker 2 (20:37):
Well, that's a great question, and the asset classes are many,
so we're going to cover them and talk about how
it's related to taxes because you probably have these and
you don't even know what the actual risk is. So
the first one some asset classes and where they fall
on the tax risk. Let's talk about tax deferred accounts
like four O one ks and iras, and since taxes
(20:58):
will defer to the future on both contributions and growth
in these accounts, one hundred percent of the account value
may be subject to future tax changes. That's what we're
talking about. When the tax cuts expire, what is going
to be your tax rate. So in accordance to that,
one hundred percent of the distributions in retirement, they're subject
to the tax regulations and individual situation at the time
(21:21):
of distribution, which could be different. So what did I
just say? There are two things? Okay, you have a
tax deferred account that's growing, but then when you take
it out, it's tax and at what level.
Speaker 3 (21:31):
We don't know. It's a question mark tax rate. Okay,
because tax rates can change and we don't know. It's
called legislative risk. That's the risk that we have and
that's what we don't know of. So we have to
protect that and combat that if we can, and that's
what we can show you how to do.
Speaker 2 (21:45):
So would you agree individual situation on everyone with tax
deferred accounts is different?
Speaker 3 (21:50):
Absolutely, And that's why we have clients that are taking
money out of a tax deferred account and paying no tax.
Because there's ways on the tax side of this thing
to look at it to formulate a plan as a
distribution to take income in the most tax efficient way.
Speaker 2 (22:03):
I just lead into my next one here. What about
roth accounts like roth iras and WROTH for one case,
and the funds in these accounts can be assessed income
tax free in the future since taxes have already been
paid on contributions and growth in a WROTH is not taxed.
Why are we talking about that because you should be
starting to think about putting money into a tax free
(22:24):
account that they have given us the government to save
for retirement. Pay the tax now at the low rate,
and then have tax free at a rate when you
get retired. And that's what we're talking about. The retirement calculator.
If you don't know what your tax bill is going
to be, now is the time to find out. Go
to my website, Maggie tax dot com. Click on the
retirement Calculator. Folks, In thirty seconds, I can tell you
(22:45):
what your tax bill is going to be. Then you're
going to understand what we're trying to tell you and
come in, pick up the phone and meet with us.
Speaker 3 (22:51):
And that's just it, you know, understanding what you have.
Many people have these statements. They get these statements of
the mail. They sometimes don't even open them. They just
recycle them or them and they just get bigger and
bigger and bigger, and then someday they go through them
and they don't really know and they just throw them
all away and they don't have no idea what they have.
You might have an account there that's infected with taxes
for so long you have no idea how to diffuse
(23:11):
the tax time bomb. We can show you how you
might have accounts out there that guess what, you're taking
so much risk, you're losing money, You have no idea
what you're invested in. How many people out there are
in that situation. Raise your hand, It's okay, But there's
a solution for it.
Speaker 2 (23:27):
You know.
Speaker 3 (23:27):
That's why we talk about the Maggie Plan, because when
you come in to meet with us, we're going to
talk about the balance sheet. We're going to show you
where your money's at. We're going to show you every
account that you have, what's taxable, what's non taxable, what
type of risk you're currently taking with your money, And
we talk about asset classes. Where are you invested in?
Where should you be invested in? Where do you want
(23:48):
to be invested in? Many people have no idea, but
they can if you work with the right advisor. So
pick up the phone schedule time to meet with us
eight three three Magi tax schedule time eight three to
three Maggie Tax.
Speaker 2 (24:00):
And let me go back to the Wroth account for
a minute, because this protects these accounts from both situational
and legislative future tax changes which we've been talking about.
The government could change tax regulations pertaining to how savers
can contribute. Think about that, because it's written in pencil,
how you withdraw funds, what's going to happen then, So
so with a Wroth account you have tax free income
(24:20):
that's what you're trying to save for. It avoids the
legislative risk that we're talking about it. So let's discuss
non qualified annuities. This is important because the cost basis
in these accounts, they have been taxed and they're not
subject to future tax changes. Why because taxes are deferred
to the future on all growth inside these accounts, the
(24:40):
portion of the account value representing growth, it may be
subject to both situational and legislative future tax changes. And Chris,
it goes back to the same two words, legislative risk
and future tax changes are how are you how are
you listening out there doing something about this?
Speaker 3 (24:56):
Well as just said, I mean how when in retirement,
how can you go along and take a distribution to
go on a cruise, or how do you take a
distribution to go help your family, or how do you
take a distribution to go and travel without knowing what
type of impact these accounts are going to cause you
tax wise. It doesn't make sense. It's like driving in
(25:16):
a car and not knowing if it's gonna if it
can stop with a braakes work or not. That's what
you're doing with the formal k or an irate. You're
going through retirement and you have a question mark tax rate.
You don't know what you're going to pay in taxes.
So working with the right advisor, if we put together
the buckets of money in the right way where you
have tax free money and you also have taxable money,
(25:38):
and how to diffuse the tax time bomb in the
most tax division way, that's so important for you and
your family, especially in retirement. So that's why you need
an advisor to work with you and help you. And
we talk about the puzzle, the financial puzzle throughout the
whole show today. It's about the income tax piece puzzle,
the investment tax piece puzzle, the the tax puzzle. I mean,
(26:02):
how many know what they're going to pay a tax?
These state planning piece puzzle, what are you doing about it?
So if one of these pieces are missing, you don't
put together, the whole puzzle doesn't work right, So meet
with us, get together, let's have a conversation eight three
to three MAGI tax, tax planning, income planning, investment planning
and state planning, solid security maximization planning, medicare planning. We
(26:23):
can help a three to three MAGI tax.
Speaker 2 (26:25):
And just remember what we're talking about today. A portion
of your assets coming out of these accounts, they're subject
to some tax regulations at the time of distribution, and
it could be different from tax regulations today. Change. That's
what it's called. So let's talk about what about taxable accounts.
The funds in these accounts, they're taxable every year, and
(26:45):
they're subject to tax changes around capital gains like dividends,
step up in basis rules, and all distributions of growth
in these accounts are subject to the tax regulations again
at the time of distribution, which could be different from
the tax regulations of today.
Speaker 3 (27:01):
Right, And that's what we're talking about. Those brokerage accounts
that you have, or maybe the CDs that you have
at the bank, or you know the types of non
qualified assets. And many people out there are saying, what's
non qualified? That's just exactly it. You need to understand
what's qualified, what's non qualified? Qualified with the government with
the IRS taxable, so non qualified assets, you don't have
(27:22):
to pay one hundred percent on tax on these accounts.
So where are your money, where is your investments? What
are they doing? How is it going to be taxed?
These are the questions that you need to have answers to.
So pick up the phone and schedule time to meet
with us. Let's get together, Let's talk about your concerns.
Let's talk about getting a second opinion for your accounts.
(27:42):
Eight three to three Maggie Tax. Eight three to three
Maggie Tax.
Speaker 2 (27:45):
And just a reminder, go to our website Maggie tax
dot com, click on seminars and register for our upcoming seminars.
They're all over Tampa Bay, different locations. All you gotta
do is just click on the one you want and attend.
It's about an hour and a half. So these are
things that we want to teach you, we want to
help you, we want to make you understand the language,
because that's what's happening out there. There's so much noise,
(28:06):
if you will out there, Chris, the people are totally
confused and they have no idea. You said it before.
We're in a yo yo economy and people lamp when
we say that, but we are.
Speaker 3 (28:14):
Yeah, and you're on your own, and that shouldn't be
the case. But if you have the education and the knowledge,
and you understand what you've done for your retirement and
how it's going to impact you, then guess what. You're
controlling your retirement and you're not in the yoyo economy
where you're on your own. So many people are going
to fall victim to the changes that are about to happen.
(28:35):
But you don't have to. You know, where is it
written that you have to lose twenty thirty forty percent
of your account in the stock market? Where is it
written that that's okay? You don't have to if you
don't want to take that risk. But if you're taking
that risk right now, then why if you don't want
to just because you're following the crowd, you don't have
to go down that route, you know, do you want
(28:56):
to retire. You don't have to wait to sixty two
or sixty five or seventy just because the Social Security
statement gives you those numbers. You can retire any time. So,
but you need to have a plan to give you
the income every month so you don't have to leave
your house if you don't want to. That's called an
income plan. And also an investment plan that can give
you the income you need so you don't run out
(29:18):
of money. And also and then a tax plan. They
make sure that the money you do receive is not
hitting you so hard with taxes. My gosh, those are
three big impacts that you need to be aware of.
And many of our clients who come in each and
every day new clients come in, they have no idea,
but once we put together a plan, it's like an
(29:38):
Aha moment film. They have clarity, they have control, they
understand what they have, and now they're in better position
to enjoy the retirement. So pick up the phone, schedule
time to meet with us. Eight three to three magi tax.
That's eight three to three magi tax.
Speaker 2 (29:53):
And let me leave you with this Five ways that
taxes can rise in retirement, and they may apply to
all of you. One can change your tax bracket. That's
the most important one. Tax brackets change around you, okay,
and deductions are eliminated. This is big. What's the standard
deduction now? And does that reduce your taxes? And the
way assets are tax changed, meaning you know, capital gain taxes,
(30:15):
you know things like that. New taxes are enacted. This
is happening right now. This is what we call in
two years, the tax cuts are going to expire. Pick
up the phone eight three three Magi Tax. Visit our
website Maggie tax dot com, click on the seminars. Register
for our seminars on all we're talking about estate planning,
tax planning, social security and anything else that you want
(30:35):
to talk about. It's up to you. Pick up the
phone eight three to three Magi Tax. Their operators standing
by right now. Don't forget. Tune into our TV show
every Sunday on ABC at ten thirty.
Speaker 1 (30:46):
So.
Speaker 2 (30:46):
Visit our website, Maggie Tax dot com, click on seminars,
click on the retirement calculator. We're offering this to each
and every one of you. It's up to you to
do something about it. Eight three three Maggie Tax and
visit our website Maggie Tax dot.
Speaker 3 (30:58):
Com and every Sunday too into the Maggie Tax at
Financial Show on ABC TV at ten thirty am. Baggie
Tax dot Com.
Speaker 1 (31:06):
Stop planning for Uncle Sam's retirement and start planning for
your retirement as we return to the Maggie Tax and
Financial Hour with your host, father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie tax dot com. That's
ma gg I tax dot com or call eight one
(31:27):
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty. Now your host
for the Maggie Tax and Financial Hour, Father and son
from Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 2 (31:44):
Welcome back everyone, Thanks for joining us today. My name
is Robert Maggie. I'm here with my son Chris Maggie.
Don't forget visit our website, Maggie Tax dot Com, click
on seminars and register for our seminar coming up. That
we do on a state planning, social security and tax
is very informative, it's educational and they're all done library
so check it out on our website Maggie tax dot com.
And again, don't forget the retirement tax bill. Click on
(32:07):
retirement tax But we've helped a lot of people out
there understand you will have a tax time bomb and
a couple of years when the Trump tax cuts expire.
Just click on retirement tax bill. Let's get together. Now.
Along the way, we talk about a state planning and
why people need it. So let's go into that for
a little bit, because a state planning often goes hand
in hand with creating and this is where people get confused.
(32:28):
A will and most people believe that's not something you
need to worry about until you get older, and that's
not true. This holds true for everyone listening today. But
when it comes to a state planning, there's no telling
when you may need it, and they're meant to be
there to carry out your intentions, your intentions, not the
government intentions, in the event that you aren't able to
(32:48):
make decisions on your own, and such accidents can happen
even when you're young. And we know this, We see this,
you all know that what I'm talking about, and that's
why Maggie Tax, we want to convey the importance of
everyone out there, adults of all ages that need a
state plans and Chris, I'm telling you, advisors missed this,
banks miss this, CPA's miss it. And it's the most
(33:09):
important fiduciary thing that you could do. Absolutely and I
can't not agree with you more.
Speaker 3 (33:14):
I'll tell you what. Most people they just go for
the investments and this is what you need to invest in,
but they miss the rest of the story and all
this should be put together as a plan. So one
of the things that we want to focus on is
keeping the power of choice when you can't make decisions.
This is so important. Becoming disabled or incapacitated can happen
(33:34):
to you at any age, in regardless of how young
or old you are. Just check out the news. You
see the stories. It's horrible, so it can happen. That's
why having estate plan as soon as you can is
always a good idea. Otherwise someone else may have to
make important decisions for you center around your finances or
your medical preferences and more so. That's why when you're cognitive,
(33:57):
when you're thinking clearly, spend some time, make this happen
and you can always change it in the future.
Speaker 2 (34:04):
It's very simple. Just pick up the phone, give us
a call eight three to three, Maggie Tax, let's sit
down talk about your estate plan. It's really simple, but
let's get it done. And you may have to have
more assets than you think. This is a question that
we get. So in this day and age, it's become
uncommon for any adults to have many assets. Okay, because
of what's going on spending money. You know, their accounts
(34:25):
are going down. So but you don't hear about many
millennials or those from Gen Z owning a house or
having investments. What's happening there is they're living with who
the parents. Everyone has assets that they may not realize.
For instance, you may have a decent sized four oh
one K account if you work a full time job.
So even the cash in your bank that you may
not see is significant enough to reallocate. It's still your
(34:48):
property and worthy of being protected. And Chris, this is
a big problem that people don't think about when you've
just mentioned it before that you went to open up
a checking account and what happened there was no beneficiary
the ball to ask you for one.
Speaker 3 (35:01):
Well, let's just say you know, small accounts just like
that might be a large account in the future. You
know what, if you inherit some money and you put
the money there at that bank account and guess what,
it's not titled the right way, then it's not going
to stay in the family and go to where you
want it to go. So each of this, these things
we're talking about are just as common that we see.
That doesn't have to be that way. And when you
go through the probate process, then that opens up everything.
(35:24):
Everyone can see, everyone can see and get into your
personal business. You don't want that to happen if if you,
if you could do some proper planning. So one of
the other things we talk about is authorize who can
access your digital assets. This is important as well. Things
are going digital. We've seen it over the years more
than we've ever seen before. Countless young adults do everything
(35:44):
on their phones, including making payments and managing funds. But
should you ever become disabled or incapacitated, well, what happens.
It's a good idea to appoint someone to acquire your
log in credentials to access your accounts for you. This
is extremely important. Your banking app, any money transaction apps,
and even your social media applications. So your state plan
(36:06):
can state your chosen durable power of attorney and who
you want it to be, along with the means to
access your digital assets. That's what a power of attorney
is about. If you ever are disabled or incapacitated, someone
who is living can step in for you and take
care of these things for you. So get these documents.
You need to make sure that you have the proper
(36:26):
counsel to get these put to in place the right
way for you, and we can help pick up the phone.
Schedule time to meet with us AD three to three,
Maggie tax.
Speaker 2 (36:34):
One thing I can share with many of you out
there are older people like me. I'm old, not that old,
but I'm older and Chris is young. And what's taken
place here is that the digital side of it, it's
more prevalent than ever and we have to get used
to the change. I mean, son, my two sons, they
know everything about me, and they have my username and
passwords because even my garage door, the combination they know
(36:58):
because what happens if and then This is so important
why a state planning and sitting down putting everything on
paper legally is going to protect you, So protect your
loved ones at any age, and estate plans also account
for what happens to your family when you're no longer
able to care for them. You can choose who will
take guardianship of your children or ensure that your spouse
(37:20):
is the one who receives your assets. Christ This is
important about guardianship. Many people don't. They may have a
special needs case and they have to do it right
where it's basically says on the paper who's going to
do what and who's going to get what.
Speaker 3 (37:33):
It needs to be spelled out, and that's why it's
so important, and especially nowadays, it's common for young adults
to be single with only animal companionships waiting for them
at home. In this case, the state plans can still
be of use, so you can be able to make
sure that everything's taken care of. You can have that
decision where your pets will go, who will take care
of them, and even how to take care of them
(37:55):
for you if their concerns are with medication or dietary instructions.
Maaggi Tax Advisory, we can help you. We can help
you get started on your estate plan. It's just so
important for young adults, adults, whatever age. I don't care
what it is to have an estate plan as any
senior would. It's important, but who can you trust to
assist you with the legalities of your wishes. You to
(38:17):
sit down and think about this. We have ten questions.
We can explore this with you. We can go through
this with you to help you and guide you through
this process. Eight three three Magi tax. Pick up the phone,
schedule time to meet with us. Make sure your accounts
avoid probate, make sure your decisions are made the way
you want to. We can help eight three to three
Magi Tax. That's eight three to three Magi Tax.
Speaker 1 (38:41):
You've been listening to the Maggie Tax on Financial Hour
discussing tax planning investment strategy is presented by Robert and
Chris Maggie from Maggie Tax Advisory and Financial Services with
offices in Hillsboro and Panela's County. Visit Maggi Tax dot
com or call eight one three three two two twenty
five twenty that's eight one three three two two twenty
(39:03):
five twenty and tune in next Saturday at five for
the Maggie Tax and Financial Hour
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