October 9, 2025 • 39 mins
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Speaker 1 (00:00):
All these years you've saved up planning for a secure retirement,
but if you're not careful, it will be the irs
that'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):
Hello and welcome everyone to the Maggie Tax in Financial Show.
My name is Robert Maggie and I'm here with Chris Maggie.
And don't forget visit our website, Maggie Tax dot Com.
Click on seminars and register for our free three in
one seminar on estate planning, tax planning, and social security planning. Folks,
this is educational, it's free and you might learn a
lot because a lot of people have a lot of questions.
(01:13):
So tune in also every Sunday on ABC TV at
ten thirty to The Maggie Tax and Financial Show. So, Chris,
we have a lot to discuss because we see a
lot of people all the time. I think the biggest
question that they get how do I do this? What
do I do? Where do I go? And it's you know,
a bunch of questions. So let's talk today about how
they create a financial plan more importantly with their partner.
Speaker 3 (01:37):
Well, I just said, so welcome everyone. I am Chris Maggie,
and thank you so much for tuning in today and
each and every week. We enjoy doing what we do.
We have a passion for helping people and you know
it shows because there's so much there to help you.
We do complete planning. It's income planning, tax planning, investment planning,
a state planning, social security maximization planning, and real quick
(01:57):
before we get going in today's show, at a client
that came in last week. They were paying unnecessary taxes.
They paid three thousand dollars a year in federal taxes
that they did not have to pay. Why because the
advisor that they're working with does not do complete planning.
They showed the current client how to take money out
of their IRA, a wrong distribution and it caused them
(02:18):
three thousand dollars in taxes for the past three years.
If they would have done proper sold security maximization planning
and investment planning, guess what, they would have avoided the
three thousand dollars a year federal tax for the past
three years. We got to save them nine thousand dollars
in taxes. So when they came in and met with us,
we did the sold Security Maximization report. We showed them
how to take solid security and guess what now they
(02:41):
get the same income on a most tax efficient way.
That is complete planning and that's what people need out there.
So pick up the phone, schedule time to meet with us,
eate three to three Maggi Tax. Visit our website at
Maggi tax dot com and register for one of our seminars.
Education is so important, or just pick up the phone
schedule time to meet with us any one of our
three locations eight three to three Maggie Tax.
Speaker 2 (03:03):
And the cool thing about this, the gentleman came to
our seminar, the three and one seminar, and when we
came to the seminari said, I had no idea you
guys do all this. So when he came in and
we showed him what Chris just mentioned, he was blown
away because he said, this is ridiculous. You know, I'm
not getting the proper training or the proper information from
my advisor. So we made a change and we made
it better for him. So today we're going to discuss
(03:24):
how do I create a financial plan with my partner
Because a lot of you out there are married. Maybe
the husband knows more than the wife, or the wife
does more than the husband. Either way, there's got to
be a time when you come together when you have
to put a plan together. So how do you find
a financial advisor to execute the plan. That's what we do.
So we're offering everyone that advice to come to the seminar,
(03:47):
get educated, have the questions answered, and then come in
and put a plan together. And visit our website at
Maggie Tax dot com. We have so many videos on there,
all topics that concern many of you, and be shure
register for the free three and one seminar. We have
it every week, so take a look at it on
a state and enhanced planning, social security and taxes. And
(04:08):
if your advisor is not talking to you about this,
shame on them. So all of these topics play an
important part in putting a plan together. So Chris, let's
get started. Because there's so many questions. We'll address all
of them and let's see how we can help the
folks out there put a plan together.
Speaker 3 (04:22):
That's right, so visit Maggi Tax dot com. Our number
is eight three to three. Magi Tax and money is
often the center point of many arguments. You know, even
amongst long term partners, it's only human nature to be
protective over our hard earned property. But rather than letting
financial choices be the main problem of your relationship, it's
so important to come together to meet both of your goals.
(04:44):
Communication is extremely important and a Magi Tax Advisory, we
will show you the best way to create a financial
plan with your partner so you both can reap the
rewards of success. You work hard, you put money away.
You know you have an investment plan. Now is time
for the distribution plan. How do you go about doing
that in the most tax efficient way?
Speaker 2 (05:05):
You know, Chris. And the biggest thing, I bet a
lot of people out there are listening to what you
just said. The time comes when someone passes away, when
it all comes to the top and it's confusion and
it's just terror. It's terrible because they don't know what
to do. So this is important to put a plan
together before things happen. And that's what we talk about.
When do the estate planning and the tax planning and
(05:25):
the SOLI security planning.
Speaker 3 (05:26):
Absolutely, and the Maggi plan applies to all of you
because it's a tax plan, it's an income plan, it's
an investment plan, and for everyone listening today, it's in
a state an enhanced plan. So if you're arguing or disagreeing,
now is a time to get a plan that you
both can agree on. Attend one of our three in
one free seminars on a state planning and enhance planning,
(05:47):
SOLI security planning, and tax planning, also investment planning. My gosh,
there's so much information valuable right there are your fingertips
that you just don't get. You don't get at the workplace,
you don't get at home. You know, you don't go
out with your friends to get this information. You need
this information, So pick up the phone, schedule time to
come to visit us at a three to three Magi
tacks or visit Maggi tax dot com.
Speaker 2 (06:09):
And one thing we always say, simple and easy to understand.
And you know, we encourage open and honest communication. So
when you come in, if we meet with you, there's
a question and answer time that we want to give
you so we can answer your questions and you can
answer ours honestly, because if you don't tell the truth,
then it's going to disrupt the plan. The most important
(06:30):
part about discussing financial plans with your partner is for
both sides to be completely honest and transparent about personal
financial goals and concerns. And Chris, many times when we
see people they say, well, you know, I want risk
and my husband want I want safety. My husband wants risk.
That's a tough road to cross because we got to
get in the middle. But the way I look at it,
(06:50):
you've seen this, they just don't understand what they're saying.
That's it.
Speaker 3 (06:53):
But the main concern that we see amongst a lot
of people is the common theme is they need income.
They want income. They don't want to run out of money.
They need income sources. So it doesn't matter if you
have two hundred thousand or or fifty million, it doesn't matter.
The fact of the matter is most people out there
they want the same thing. They don't want to run
(07:13):
out of money. So that's why it's important to meet
with us because let's put together those types of plans
for you.
Speaker 2 (07:19):
So any thoughts that.
Speaker 3 (07:20):
You might have are withheld could come back to serve
as a point of contention later on. So that's why
we talk about clarity and openness. It's best to get
everything out on the open while you both have high
hopes for a brighter future. So take a moment to
evaluate your current financial situation and we can help you
make it easy to understand. So after discussing your main goals,
(07:40):
you need to compare them to your current financial situation.
And when you come in to meet with us, you
can't get a second opinion from your current advisor. So
that's why it's so important to meet with us. We
will give you that second opinion. So when you meet
with us, we will compare your current plan and show
you options to improve what you have, and then you
can make a decision on what you want to do.
If it's better, then make it. If it's not, then
(08:01):
you don't have to. But the end of the day,
you need to embrace what you have and also have
the goals be accomplished at some point so you can
move on with clarity and confidence in your retirement.
Speaker 2 (08:11):
Well, one thing you mentioned before, We had a client
that basically said they were intimidated by their advisor. And
my question is what we asked her? How long of
you had the advisor? Well, we've had him twenty years
and I just can't break the relationship. Guys, Well, the
question is, look what he's done for you. He hasn't
done anything for you. So when we did the comparison,
Chris is talking about our plan was more, was better
(08:33):
than their plan? And she said it, she said, guys,
this is the plan that I want. What do I do?
But she was afraid to be talking to her advisor
and many of you are because she was intimidated. That's ridiculous.
Speaker 3 (08:45):
Career, you don't have to be, you know, in the
new plan. She had an income plan. She had a
tax plan. She was getting income on the most tax
efficient way. Now, she had an investment plan. When she
had bucket planning, she knew where all her investments were
and what they're doing and the risk she was taking
with it. She had an inflation bucket plan to that
she sprinkled on her plan to go ahead and have
the adjustments for inflation in the future. This is what
(09:06):
we're talking about. And to make it all come to fruition.
She had an estate plan. So God forbid, something happens
to her. Guess what, It stays in her family that
she didn't even have for twenty years. So her advisor
wasn't doing the good job for her. But guess what
she didn't. She thought that was the case for so
many years, but it wasn't because the advisor did not
(09:27):
do complete planning. So pick up the phone, schedule time
to meet with us. Let's get together. Let's talk about
your situation and see if we can help you.
Speaker 2 (09:34):
And one other thing, we talk about estate planning without
a will, probate court and the estate decide what happens
to your assets after you're gone. What Chris just mentioned,
many of you that we meet with. Do not have
a state planning folks, It's very simple. It's very simple.
It costs you less today than more later on, and
that's what a lot of people want to avoid probate.
What about your tax bill and retirement? Is it too big?
(09:56):
Do you even know what it is? Go to my
website Maggie tax dot com, click on the retirement calculator
on the top right, put in your information if you
have a four to one K or an ira, and
in thirty seconds, no one has this out there. In
thirty seconds, we can tell you what your tax bill
is going to be. Why is that important? Because now
we're giving you a reason to come in and sit down.
Like we mentioned before about the gentleman who was paying
(10:19):
more in taxes that he needed to, why would you
do that? And one thing we'll get into a little bit,
the Secure Act change the required minimum distributions from many
people out there, Many people don't even know what that is.
So it's very important to understand why Chris and I
do these educational seminars. And it's fun, you know. We
give out books, we give out a Social Security brochure,
we give out tax information, we give out you know,
(10:40):
stop funding off of Sam's retirement. Give us a call
eight three to three, Maggie Tax. Be sure to visit
Maggie tax dot com today, register for one of the
seminars and give us a call eight three three Maggie Tax.
You're listening to the Maggie Tax and Financial Show. Eight
three to three Maggie Tax.
Speaker 1 (10:57):
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 Ggi tax dot com or call eight one three
(11:19):
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 in Financial Group, Robert and Chris Maggie.
Speaker 2 (11:34):
Hello and welcome back to the Maggie Tax and Financial Show.
My name is Robert Maggie and I'm here with my
son Chris Maggie. A couple things real important for all
of you. If you're just tuning in. Go to our website,
Maggie tax dot com. On the top right there's the
retirement calculator. Click on it and fill in the information.
Let's see what your tax bill is going to be,
and in thirty seconds we could show you what it is.
(11:55):
Number two, there's a chat box on this so if
you're driving or you have questions, go to the chatbox,
fill in the question. We will respond to you. And
more importantly, to educate everybody out there and help them,
we're doing seminars every month, so go to the Maggi
tax dot com look for upcoming seminars. The dates are there.
Register and let's get a chance to meet with you.
Because isn't it imperative that all of you reason out
(12:18):
for yourself that you can have a strategy under any circumstances.
And again, Chris, most people come in and they go, gee, guys,
I don't have a lot of money. That's not the
question we're asking you. The question we're asking you is
how can we help you? So my guess is many
of you do not know this information, and it's because
you're not asking your advisor why. Because it's the language
(12:38):
we talk about the language and many of you do
not understand, so we can help. We call it the
Maggie Plan, simple and easy to understand. And for many
of you that have met with us, you understand what
I'm saying because we made it simple and understand. Chris
talked about some clients that came in before we talk
about this every week. They came in and they were shocked, Wow,
I really could do that. So many people in our
(12:59):
country believe that the government's going to take care of them. Look,
in fact, isn't it the majority of people many of
you listening, Sure it is. So how do we get
you to understand that it has now become mathematically impossible
that the government's going to take care of you? Christen,
what's happening is they're doing the opposite. They're making it
worse for us. Well, that's just saying, and you can't
control that.
Speaker 3 (13:19):
Right where in Ayoyo economy, you're on your own and
many people work hard, you know, they go to have
a job, they put money away, they don't know what
to do with it. That's where we come in. You know,
how do you structure all this where you can have
income in the most tax efficient way. How do you
structure this where you can have a tax plan where
you pay the least amount of taxes possible, but do
it legally. How do you put together an investment plan
(13:40):
where you have different buckets doing different things to combat inflation?
How do you make sure that everything you put together
stays in your family and doesn't have to go through
the probate process or has to go through taxes or
just heartache with other beneficiaries. It doesn't have to happen.
It's called succession planning. And how do you put this together?
(14:01):
So that's what we're discussing here, And if you have questions,
now's the time to stop for a minute, take a
deep breath, you know, pick up the phone and schedule
a time to meet with us. You know, a goal
without a plan is really not going to be achievable.
So what do you do. You have to have to
schedule time to meet with us. You have to come
in and let's let's have a conversation why. Because you
(14:23):
deserve it, you put away money. Now is the time
to put together a plan.
Speaker 2 (14:27):
You just brought something up that just hit me. You
call it succession planning. Many people call it enhanced planning
or estate planning. But talk about succession planning for a minute,
because it applies to everything that we're talking about, Chris,
about income planning, about tax planning, about four oh one
K rollovers. It's about succession planning. How do you get
to the next level because people do not understand the language,
(14:50):
and if you do not take action, you're simply just
going to lose. And if you do take action, you
can win. It's that easy. And what I'm saying, it's
that easy. Once you learn the and you learn the rules,
you can make something happen. And we can help all
of you arrive at this important determination because you're probably
worrying too much. Why are we sharing this with you?
(15:11):
We do this every week, we do our TV show.
You know. I've been speaking in person, you know, and
on the radio and on TV for years, and I
have been stunned to discover how few people understand this
vital information because they don't take the time, Chris, to
stop for a second and let me put this. It's
an hour an hour and a half of your time
instead of going to the beach or going bowling or
(15:33):
going whatever, or drinking. Am I right around?
Speaker 3 (15:36):
I mean because if you don't understand this information. It's
possible that you will not realize the damage that you're
doing to your financial and retirement success.
Speaker 2 (15:45):
And that's pretty simple.
Speaker 3 (15:46):
I mean, if you take the time to just carve
out a little bit of time to do what you
need to do to put yourself in good order, then
you can have fun from there.
Speaker 2 (15:55):
You know.
Speaker 3 (15:55):
We talked about a client of mine that we had
last last segment. We discussed how they had no idea
how to generate the income, and they came to us
and they said, I got this lum sum pension. What
do I do with it? How do I get income
in the most tax efficient way? Well, we created bucket planning.
They'll never outlive that money. Ever, they will have guaranteed
(16:16):
income coming in eight thousand dollars a month for the
rest of their life, you know what. And how settling
is that? How comforting is that? So when I say
the question is what are you doing about it? Or
if you don't understand this information that we're talking about,
is possible that you will not realize that the damage
that you're doing to your financial your future of financial
(16:37):
and retirement success.
Speaker 2 (16:38):
You know, And again, it doesn't matter if it's intentional
or unintentional. And one of the things that you know
what you brought up about education, about language, about teaching
our young folks and our kids how to save for
retirement because nobody's doing that. Why because they're not making
enough money to even save. But there is a way
to save a portion of your money if you understand
the way it works. And here's the worst part. Many
(16:59):
of you are unaware of the poor choice that you're
making because you are being informed in ways that are
beneficial to the sellers of these non beneficial products. You
don't understand what you have with mutual funds and stocks
and what the fees are and what the risk is.
And Chris talk about the comparison when we do that
with many clients because when we ask them, are you
married to that stock or do you know what you have?
(17:20):
The answer always is, uh, I don't know. Well, let's
just say it. How many people follow the crowd.
Speaker 3 (17:24):
How many people just try to keep up with the
Joneses right their neighbors, and they just don't know what
they don't know, And that is the biggest thing. So
we have clients that come in and they say, just
like my dad mentioned, the well I don't have a
lot of money, but meanwhile they do. They have enough
money so they can retire. They have enough money where
you can create a guaranteed income plan and they stay
(17:47):
within their income and their budget, and they're great. They
can do that. They don't have to have millions of dollars.
You don't have to get to a certain number like
the TV tells us or these advertisements tell us to do.
You don't have to. You don't know what you don't know.
And that's the thing, and that's why when you come
to meet with us, we'll tell you. You know, as
a fiduciary, we got to tell you the best thing.
(18:07):
We got to do the best thing for you. This
is your money, not ours. But we can help because
a lot of things we do as a complete planner,
we can help. So pick up the phone, schedule time
to meet with us. Every Sunday, we have a TV
show on ABCTV at ten thirty. It's called The Maggie
Tax and Financial Show. And why do we do it
Because we enjoy teaching. We enjoy educating you. Why because
(18:30):
you need this information. When's the last class you had
on income planning, tax planning, investment, planning, estate planning, social
security planning, medicare planning. When's the last time you had
a class on that. You don't even have a class
on how to buy and sell a house. That's how
the educational system we have is not complete. That's why
(18:52):
we need to meet with you. So pick up the
phone schedule time to meet with us. We look forward
to meeting with you. Visit our website Maggie Tax dot com.
That's Maggie Tax.
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
Maggi tax dot com. Or call eight one three three
(19:25):
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 in Financial Group, Robert and Chris Maggie.
Speaker 2 (19:40):
Welcome back and you're listening to the Maggie Tax and
Financial Show. My name is Robert Maggie and I'm here
with Chris Maggie today. We're talking about taxes and some
strategies and concepts that you could use. The biggest thing
is make an appointment. Sit down with us. Give us
a call eight three to three, Maggie. Tax Let's discuss
your situation, answer the questions you have, because I know
a lot of people are con so I want to
(20:00):
go back to a couple of things we talked about.
But here's an example of what we're trying to help
you with. And let's just say that you're sixty three
years old, you have a two hundred thousand dollars IRA,
and you may want to convert it. So let's also
say that you have a twenty five percent tax liability
and your account grows at five percent per year. And
you can really put any numbers in here, but I
(20:20):
just want to use this for illustration. So here's the
total amount of taxes that you could potentially pay from
that two hundred thousand dollars from today through age ninety.
So if you keep the qualified account, the total taxes
that you're going to pay on the RMDS is going
to be about seventy three thousand, nine hundred and forty
three dollars, and then you've got to pay tax on
(20:41):
the reinvested rmds, which a lot of people don't think
about about thirty thousand, and the tax is paid on
the remaining account when you pass away of forty seven
thousand dollars. So the total taxes paid is one hundred
and fifty two thousand on that two hundred thousand dollars IRA.
Why are we breaking this down because this is what
you don't see when you start taking money out of
(21:02):
your RA. Now, if you converted that irate to a
tax re option, you would pay taxes on the conversion
of fifty thousand, and that's it. You don't pay any
more taxes. Is that shocking because a lot of people
see Chris and they go, wow, how can that be?
Because you're taking off one thing? You say, you're ripping
off the band aid? That's it.
Speaker 3 (21:20):
So can you rip off the band aid? Should you
rip off the band Aid? The answer is yes and
depends on your situation.
Speaker 2 (21:26):
Right. So that's why it's so important to meet with us.
Speaker 3 (21:28):
Because what this client did was they went ahead and
said I don't want to be in an area or
an environment that's infected with taxes. I want to be
in an environment that's totally income tax free, where he
can breed the clean, fresh air of tax free income.
And that's what he was looking for. So what are
you looking for? That's the question that we are going
to ask you. So when you come to meet with us,
(21:50):
we're going to ask these questions. We're going to show
you what the tax liability is going to be, and
we can do some strategies. We could do a lump sum,
we could do a strategic rollout, we can do it
over time. Whatever we got to do to see if
we can help you benefit you. And so you now
you have tax free money. That's what it's about. So
when taxes increase, guess what. If you have tax free money,
(22:11):
you don't have to worry about it. So why not
put yourself there if you can, and we can show
you how. Eight three to three, Magi Tax. Pick up
the phone, schedule time to meet with us. We have
office on both sides of the day to help you.
Eight three three Maggie Tax.
Speaker 2 (22:25):
Now, when you come in, we can show you this illustration.
Because I know it's hard to see on the radio,
but keeping your IRA in that situation's going to cost
you an extra one hundred and two thousand and taxes.
And if you spent the R and ds rather than
reinvesting them, it's still going to cost you an extra
seventy two thousand to keep the IRA. That's just the
way it is. I mean, there's nothing we can tell
you that's going to be different. It's real. So when
(22:46):
you run it from a tax standpoint, this is what
you folks need to see. And by the way, we
can run this tax analysis for all of you when
you come in, and it's part of what we do
every day at Maggie Tax. And here's a better option.
Now that you know the truth about tax deferral, let
me give you a better option. And hear at Maggie
Tax we believe the most powerful tax free option. This
(23:06):
is another one that a lot of people don't discuss.
It may be good for some, it may not be
good as Index Universal Life, and some of you might
qualify and some may not. And that's why we have
to meet and see if this is an option. So
by converting some of your tax deferred assets into tax
free Index Universal Life, you could save hundreds of thousands
of dollars in taxes. We've helped a lot of people
(23:28):
do that. You can increase your income in retirement tax free,
and you can reduce the risk and volatility in your
retirement portfolio. So if you want to learn more about that,
call my office right now eight three to three Maggie
Tax or visit Maggie tax dot com and set an
appointment today and let's schedule the time to talk about this,
and let's talk about tax risk and legislative risk and
(23:50):
what the heck is the difference. As things stay hot
in Washington, I'm getting asked this question more and more.
Both are risk that can dramatically impact all of you,
and both are risks chris that most savers are underprepared
to address. And that's confusing because they're not educated on this.
It's the language that they don't understand. Well that's just said.
Speaker 3 (24:10):
I mean, everyone thinks they have to go through those risks.
You know, if the mark goes down, they think, well,
everyone's going to lose money. Well, no, it doesn't happen
that way. They think, well, everyone's going to pay taxes.
No not, everyone's going to pay taxes. And if you
do the right strategies, you can control your retirement. You
can control the amount that you earn, you can control
the volatility, you can control the tax side of this.
(24:31):
You can even control how it transfers to who you
want it to go to. These are things that we
do each and every day. Do you have these plans?
If not, why not? That's what we can help you with.
So we have offices on both sides of the bay
to help you. But my dad is talking about a
lot of different things here. When it comes down to
your retirement and income. Your retirement assets are going to
be affected by the taxes. Your current income and your
(24:54):
future income are going to be affected by the taxes
because as they raise the tax brackets get that's what
less income to you, and then you and then you
put inflation on top of this, then it gets even worse.
So what are you doing about it? And that's why
it's so important to get a review. Pick up the phone,
schedule time to meet with us. Let's get together. Let's
have a conversation. When you come in, we're going to
look at your tax return, we look at your investments,
(25:16):
and we look at your income plan. And if you
don't have an income plan, we'll show you how to
get one, We'll do it for you. Eight three to
three MAGI tax.
Speaker 2 (25:23):
So tax risk is the risk that a person's taxes
they're going to be higher in retirement than what you
plan for. And this means more of a retires income
is going to be we'll go to the I R s.
Speaker 3 (25:34):
As taxes, which means less income to you. So you
have to do something about this.
Speaker 2 (25:38):
And that's that's a great point there, and Chris, they
don't see this more to I RS and less to
you because if you a big question when we ask
everybody when they come in, how much income do you
need every month to come in the front door to
pay your bills, to live and do what you want
without worrying? And that's a you know, that's a question, Chris,
the people can't answer. They don't know the answer to
when it's confusing because that's the groundwork that you and
(26:01):
I start with, so we could see what's going to
happen when it comes.
Speaker 3 (26:04):
To taxes exactly we're talking about net You know, we
can we can gross up the rest or if we
have strategies. We don't have the takeout taxes because we
don't have to pay them. So That's why it's so
important to make sure that you know how much you
need per month, especially approaching retirement. What is the amount
you need for the next thirty days to spend. I'm
not talking about put it going on a vacation or
(26:25):
I'm not talking about going on a cruise or to
go on a trip. Those things we can plan for.
I'm talking about day to day or month to month
activities that you need to cover to make sure that
you have income coming in. So these are things we
can help you with. It's called budget planning. Schedule time
to meet with us. We can help you a three
to three Maggie tax.
Speaker 2 (26:42):
There's another word to use, budget planning. A lot of
people out there listening today don't even know about a budget,
don't have a budget. Well, folks, it's real important when
you sit down and look at what you're spending and
what you owe. You know what's coming in the front door,
how does that balance out. So from a standpoint that
Chris and I do, we do a balance sheet on
every clock to see where your assets are, which ones
you're using for income, which one you're using for taxes,
(27:06):
because that's part of the plan. It's a tax planet.
It's an income planet, it's an investment plan, and it's
a legacy plan. So folks, if you're missing that, you know,
I encourage you to call right now eight three to
three Maggie Tax. Pick up the phone, make an appointment.
Let's see we can help you out. Because in short,
tax risk measures the level of taxation that you're going
to experience in retirement. Now, I know you're saying, well,
(27:28):
I'm not retiring yet, but that's okay because you want
to plan for it, So don't put that off until
the year before you retire. How many people Chris call
us and say can I retire? And we ask him
when do you want to retire? And in many cases
they can retire but don't even know they can.
Speaker 3 (27:43):
Well, let's just say it. So it's a great feeling
when you can tell someone yes, you could retire and
they look at you like, well, where am I going
to get the income from? And we can show them
because we can put together buckets of money where it
has income producing account growing for long term to combat
the inflation as well, and all. The best thing is
that avoids probat and stage within the family, so you
can leverage your money. You can maximize your soil security benefits,
(28:05):
you can have spousal benefits. These are things that we
talk about each and every week because you need to know.
You know, we got a client that came in last
week and we put together a plan and they sat
back and they said, my gosh, I am sixty four
years old and no one's ever ever told me how
to go about doing this. And she was disappointed with
her past. And she said, I wish I would have
(28:26):
found you ten years ago because I would have been
even in better shape. Because now she has clarity, she's educated,
she knows exactly what she can do and what each
account's going to do. And she said, oh, my gosh,
I'm retiring on Monday. I can't wait to come in
and see you again the next couple of weeks and
then we can put together and implement the plan to
make sure it happens. And that's what we're talking about today.
(28:48):
If you don't have a plan, why not we call
it the Maggie plan. What's the Maggie plant's tax planning,
income planning, investment planning, sol security maximization planning, what about
state planning? If you don't have a will or a
power of attorney or maybe a living trust is right
for you, maybe it's not, but these documents are important,
They're crucial. Do you have beneficiary forms? Do you have
(29:10):
your account set up? If not, why not pick up
the phone schedule a time that maybe less we can
help you. Eight three three Maggie tax. That's eight three
to three Magi tax.
Speaker 2 (29:20):
And we're about to see tax risk and action because
in twenty twenty five, several provisions from the twenty seventeen
Trump tax cuts expire, and this includes the reduction and
individual income tax bracket rates. So in twenty twenty six,
many savers are going to find their tax bracket rates
higher than they are today, causing many of you to
pay more in taxes even while maintaining the same amount
(29:42):
of income. Is that what you really want? So get prepared,
you know, have a plan, sit down and you know,
for the younger people out there, one thing Chris mentioned,
don't I don't want you to wait you sixty four
to figure out if you can retire, You could do
it younger, and that's when you start putting a plan together.
For even younger people. Chris, you know you're young, You've
got a plan, but these the people listening to this show.
It's not just for retired people. And if you have
(30:04):
children that are, you know, trying to figure out this
out on their own, it's not gonna be easy. It's
a big puzzle. So have them give us a call
eight three to three Maggie Tax and again visit our
website Maggie tax dot com. Ten one of our seminars.
We talk about social security, we talk about Willson Trust
that Chris mentioned, we talk about taxes, you know, and
(30:25):
this is what a lot of people are missing. So
please don't sit back and do nothing. Procrastination is not
a retirement plan, absolutely, and let's just leave it at this.
If you do not have a tax plan in your
retirement plan, then you are in trouble because it's going
to eat away at the investments that you have, it's
going to eat away at the future income that you have.
(30:45):
It's the biggest problem that most American people don't know
how to retire or can't retire because they have not
thought about the tax planning.
Speaker 3 (30:53):
So pack up the phone, schedule time to meet with us.
Tax planning, investment planning, income planning. We could do it
all to help you complete planning Maggie Tax dot Com
eight three three mag A Tax.
Speaker 2 (31:02):
That's eight three to three Maggie Tax.
Speaker 1 (31:07):
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
m a gg I tax dot com or call eight
(31:28):
one 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 (31:44):
Welcome back to the Magi Tax and Financial Hour. We
thank you so much for tuning in. Don't forget every
Sunday on ABC TV at ten thirty am for the
Magi Tax and Financial Show. It's our TV show on
Sunday ABC. There's so much information right there, you get
to meet us, you'll see us. We talk a lot
about education on many different topics, and that's what it's
(32:07):
all about. To educate you and make sure that you
are knowing what your options are during retirement.
Speaker 2 (32:12):
So let's take this step by step because it's a
basic understanding of income taxes where it all starts. And
literally all of you have little or no understanding of
how income taxes work because you only do it once
a year. You basically put all your stuff together, bring
it to a tax REPAA, and then see what you
have to pay. And how do I know this because
think about this for a minute. Sixty one percent of
(32:33):
American pay no federal income tax, and yet they contribute
to tax deductible four to one k's iras, four or
three b's and four fifty seven plants. So here's what happens.
They get a deduction on the front side, and they
build a pile of money that could be taxed at
twenty thirty forty percent on the backside. Chris, is that
a good thing? Is Is that a good plan where
(32:56):
you're able to, you know, put money away. You get
a tax deduction, But then later on they bang you
with a big tax and they don't tell you.
Speaker 3 (33:02):
Well, it's good on upfront, but there's the rest of
the story.
Speaker 2 (33:07):
But here's the thing. Upfront might be good because you
get a tax deduction. But we're talking about retirement here.
We're talking about putting money away so that you can
have a great retirement. It used to be stop working
at sixty five, you get medicare, you get solid security,
and you're on your way. My dad did that, my
mom did that. That was the basic thing. Get your
pension because they worked for a company that gave him
a pension. Not many people have that. You talked about
(33:30):
that before design a pension plan, folks, that's what we're
talking about the language. So ask yourself, if you were
a farmer, would you like to pay tax on the
seed or the harvest? And that is not a good
understanding of tax law. And again that's why we have
the Maggie Plan. It's a tax plan, it's an income plan,
it's an insurance plan, it's an investment plan, and we
(33:50):
call it a complete plan. Ask yourself this question, do
you have a complete plan? I sit in front of
people every day, so does Chris, and we ask them
do you have a complete plan? And they go, well,
I don't know, I think so. So when we start
talking to them and pulling everything apart, guess what. They
don't have a complete plan. They have an incomplete plan.
(34:10):
So we call it the Maggie Plan, and get a
complete plan today, simple and easy to understand. Visit Maggie
tax dot com. Click on the retirement calculate. We've been
talking about this all through the show. In thirty seconds,
I can show you what your retirement tax bill will
look like. We can help and we call it the
Maggie Plan. And I promise you this simple and easy
to understand, and don't be afraid to come in and
(34:32):
talk about it, because I think, Chris, what happens to
a lot of people out there. They walk into a
broker maybe and they're told about this mutualphone and stock
and that's it, and there's nothing else that they give
them as an option. So eight three to three Magi
Tax operators are standing by right now as we speak,
and be sure to visit Maggie Tax dot com. Yeah,
that's just it.
Speaker 3 (34:51):
You know, when you talk about do you really want
a plan? Do you want an individual to just give
you a recommendation on what to buy or do you
want a complete, ongoing plan? And that's your call, you know,
So listening today, you know you have a choice. We
all have choices. We have choices. To buy things. We
have choices to to be uh, to be active or
(35:13):
not active. We have choices on what we can eat,
what we don't want to eat, or what we should
have should not eat. Right, So we all have choices
in life. We all know the basics. But what kind
of goals do you have? You know, because a goal
without execution is just a dream. And when you start
thinking about this, you have these concerns on your mind.
You're listening to this show, you're watching our show. You
understand that there is there is things that you have
(35:34):
to address. You have to have an income plan, you
have to have a tax plan, you have to have
an investment plan. This is money you're putting away. What
is it doing for you? Are you losing money?
Speaker 2 (35:43):
You know?
Speaker 3 (35:44):
What kind of strategy do you have? That's what we
need to discuss here because you need to come in
to meet with us. Every situation is different. You might
have all the money you need right now to retire
and you just don't know it. You know, many federal
employees out there, they have no idea what that their benefits.
So if you're a federal employer out there, we can
show you about your first pension, about your life insurance,
your fagely, your survivor benefit, your TSP options. These are
(36:07):
things that we do each and every day. So pick
up the phone, schedule time to meet with Let's let's
get together, you know, let's let's begin the year. Let's
have a good jump on the direction where you want
to go. And that's confidence and clarity. So pick up
the phone, schedule time to meet with us A three
three Maggie Tax.
Speaker 2 (36:23):
And again I'm gonna repeat this because if you're just
tuning in, this is very important. Visit our website, Maggie
tax dot com. Why because we have a lot of
information there to teach you. So in the privacy of
your own home, take a look at it. Visit the
retirement calculator on the top ride. If you have an
IRA four oh one K four oh three B, let's
find out what your tax bill is going to look like.
And then let's come in and do some planning. Because
(36:44):
once you see that calculator, once you see that illustration
that's gonna come directly to you in an email, you're
gonna stop and say, wait a minute, what do I
do about this? I'm gonna pay a lot of taxes.
So again, we say this every time people commit say well,
I don't have a lot of money. Of course you do.
You have a lot of money because it's your money,
that's what you saved. And then go to the other
side where it says seminars. Take the time and come
(37:05):
to our seminar. We're doing one a month. There's different locations,
but take an hour and ten minutes, hour and a
half to visit with us. And let's tell you and
show you what we do. And again, I know you
have a lot of questions. We talk about a lot
Chris and I. So go to the Maggie tax dot
com and look at the chat box on the bottom right,
hit it and put a question in. I don't care
how silly it sounds. We're going to respond to you.
(37:26):
And Chris, I think that's the problem that a lot
of people have with their advisors or they're brokers or
their tax person. They're afraid to ask questions.
Speaker 3 (37:32):
Why that's just it, because they feel like they should
have an input on their plan.
Speaker 2 (37:40):
Aren't they supposed to know?
Speaker 3 (37:41):
This is their money, though, this is your money, not ours.
Let's guide you, let's educate you, let's show you what
your options are and you can say, oh my gosh,
that's what I want, that's what I don't want, and
I want to gravitate towards what you want, and that's
what we can do to help you. We are not
transactional advisors. We're complete advisors and that's a big deal.
So when you're coming to me with us, we'll show
you what we do here at Maggie Tax Advisory and
(38:02):
Financial Group. So pick up the phone schedule of time
to meet with us. An interesting statistic here from the
wage statistics information provided by Social Security. Every year, ninety
two percent of Americans make less than one hundred and
twenty thousand dollars. Think about that for a minute. Ninety
two percent of that. If you're over one hundred and
twenty thousand, then you need a plan. If you don't
have a plan, you need to have one. So pick
(38:25):
up the phone schedule time to meet with us A
three to three Maggie Tax. We thank you so much
for listening to today's show. Visit our website at Maggi
Tax dot com. Pick up the phone schedule time to
meet with us a three to three Maggie Tax.
Speaker 1 (38:42):
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 Panelas County. Visit Maggie Tax dot
com or call eight one three three two to two
twenty five twenty. That's eight one three three two two
(39:04):
twenty 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 a 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):
Hello and welcome everyone to the Maggie Tax in Financial Show.
My name is Robert Maggie and I'm here with Chris Maggie.
And don't forget visit our website, Maggie Tax dot Com.
Click on seminars and register for our free three in
one seminar on estate planning, tax planning, and social security planning. Folks,
this is educational, it's free and you might learn a
lot because a lot of people have a lot of questions.
(01:13):
So tune in also every Sunday on ABC TV at
ten thirty to The Maggie Tax and Financial Show. So, Chris,
we have a lot to discuss because we see a
lot of people all the time. I think the biggest
question that they get how do I do this? What
do I do? Where do I go? And it's you know,
a bunch of questions. So let's talk today about how
they create a financial plan more importantly with their partner.
Speaker 3 (01:37):
Well, I just said, so welcome everyone. I am Chris Maggie,
and thank you so much for tuning in today and
each and every week. We enjoy doing what we do.
We have a passion for helping people and you know
it shows because there's so much there to help you.
We do complete planning. It's income planning, tax planning, investment planning,
a state planning, social security maximization planning, and real quick
(01:57):
before we get going in today's show, at a client
that came in last week. They were paying unnecessary taxes.
They paid three thousand dollars a year in federal taxes
that they did not have to pay. Why because the
advisor that they're working with does not do complete planning.
They showed the current client how to take money out
of their IRA, a wrong distribution and it caused them
(02:18):
three thousand dollars in taxes for the past three years.
If they would have done proper sold security maximization planning
and investment planning, guess what, they would have avoided the
three thousand dollars a year federal tax for the past
three years. We got to save them nine thousand dollars
in taxes. So when they came in and met with us,
we did the sold Security Maximization report. We showed them
how to take solid security and guess what now they
(02:41):
get the same income on a most tax efficient way.
That is complete planning and that's what people need out there.
So pick up the phone, schedule time to meet with us,
eate three to three Maggi Tax. Visit our website at
Maggi tax dot com and register for one of our seminars.
Education is so important, or just pick up the phone
schedule time to meet with us any one of our
three locations eight three to three Maggie Tax.
Speaker 2 (03:03):
And the cool thing about this, the gentleman came to
our seminar, the three and one seminar, and when we
came to the seminari said, I had no idea you
guys do all this. So when he came in and
we showed him what Chris just mentioned, he was blown
away because he said, this is ridiculous. You know, I'm
not getting the proper training or the proper information from
my advisor. So we made a change and we made
it better for him. So today we're going to discuss
(03:24):
how do I create a financial plan with my partner
Because a lot of you out there are married. Maybe
the husband knows more than the wife, or the wife
does more than the husband. Either way, there's got to
be a time when you come together when you have
to put a plan together. So how do you find
a financial advisor to execute the plan. That's what we do.
So we're offering everyone that advice to come to the seminar,
(03:47):
get educated, have the questions answered, and then come in
and put a plan together. And visit our website at
Maggie Tax dot com. We have so many videos on there,
all topics that concern many of you, and be shure
register for the free three and one seminar. We have
it every week, so take a look at it on
a state and enhanced planning, social security and taxes. And
(04:08):
if your advisor is not talking to you about this,
shame on them. So all of these topics play an
important part in putting a plan together. So Chris, let's
get started. Because there's so many questions. We'll address all
of them and let's see how we can help the
folks out there put a plan together.
Speaker 3 (04:22):
That's right, so visit Maggi Tax dot com. Our number
is eight three to three. Magi Tax and money is
often the center point of many arguments. You know, even
amongst long term partners, it's only human nature to be
protective over our hard earned property. But rather than letting
financial choices be the main problem of your relationship, it's
so important to come together to meet both of your goals.
(04:44):
Communication is extremely important and a Magi Tax Advisory, we
will show you the best way to create a financial
plan with your partner so you both can reap the
rewards of success. You work hard, you put money away.
You know you have an investment plan. Now is time
for the distribution plan. How do you go about doing
that in the most tax efficient way?
Speaker 2 (05:05):
You know, Chris. And the biggest thing, I bet a
lot of people out there are listening to what you
just said. The time comes when someone passes away, when
it all comes to the top and it's confusion and
it's just terror. It's terrible because they don't know what
to do. So this is important to put a plan
together before things happen. And that's what we talk about.
When do the estate planning and the tax planning and
(05:25):
the SOLI security planning.
Speaker 3 (05:26):
Absolutely, and the Maggi plan applies to all of you
because it's a tax plan, it's an income plan, it's
an investment plan, and for everyone listening today, it's in
a state an enhanced plan. So if you're arguing or disagreeing,
now is a time to get a plan that you
both can agree on. Attend one of our three in
one free seminars on a state planning and enhance planning,
(05:47):
SOLI security planning, and tax planning, also investment planning. My gosh,
there's so much information valuable right there are your fingertips
that you just don't get. You don't get at the workplace,
you don't get at home. You know, you don't go
out with your friends to get this information. You need
this information, So pick up the phone, schedule time to
come to visit us at a three to three Magi
tacks or visit Maggi tax dot com.
Speaker 2 (06:09):
And one thing we always say, simple and easy to understand.
And you know, we encourage open and honest communication. So
when you come in, if we meet with you, there's
a question and answer time that we want to give
you so we can answer your questions and you can
answer ours honestly, because if you don't tell the truth,
then it's going to disrupt the plan. The most important
(06:30):
part about discussing financial plans with your partner is for
both sides to be completely honest and transparent about personal
financial goals and concerns. And Chris, many times when we
see people they say, well, you know, I want risk
and my husband want I want safety. My husband wants risk.
That's a tough road to cross because we got to
get in the middle. But the way I look at it,
(06:50):
you've seen this, they just don't understand what they're saying.
That's it.
Speaker 3 (06:53):
But the main concern that we see amongst a lot
of people is the common theme is they need income.
They want income. They don't want to run out of money.
They need income sources. So it doesn't matter if you
have two hundred thousand or or fifty million, it doesn't matter.
The fact of the matter is most people out there
they want the same thing. They don't want to run
(07:13):
out of money. So that's why it's important to meet
with us because let's put together those types of plans
for you.
Speaker 2 (07:19):
So any thoughts that.
Speaker 3 (07:20):
You might have are withheld could come back to serve
as a point of contention later on. So that's why
we talk about clarity and openness. It's best to get
everything out on the open while you both have high
hopes for a brighter future. So take a moment to
evaluate your current financial situation and we can help you
make it easy to understand. So after discussing your main goals,
(07:40):
you need to compare them to your current financial situation.
And when you come in to meet with us, you
can't get a second opinion from your current advisor. So
that's why it's so important to meet with us. We
will give you that second opinion. So when you meet
with us, we will compare your current plan and show
you options to improve what you have, and then you
can make a decision on what you want to do.
If it's better, then make it. If it's not, then
(08:01):
you don't have to. But the end of the day,
you need to embrace what you have and also have
the goals be accomplished at some point so you can
move on with clarity and confidence in your retirement.
Speaker 2 (08:11):
Well, one thing you mentioned before, We had a client
that basically said they were intimidated by their advisor. And
my question is what we asked her? How long of
you had the advisor? Well, we've had him twenty years
and I just can't break the relationship. Guys, Well, the
question is, look what he's done for you. He hasn't
done anything for you. So when we did the comparison,
Chris is talking about our plan was more, was better
(08:33):
than their plan? And she said it, she said, guys,
this is the plan that I want. What do I do?
But she was afraid to be talking to her advisor
and many of you are because she was intimidated. That's ridiculous.
Speaker 3 (08:45):
Career, you don't have to be, you know, in the
new plan. She had an income plan. She had a
tax plan. She was getting income on the most tax
efficient way. Now, she had an investment plan. When she
had bucket planning, she knew where all her investments were
and what they're doing and the risk she was taking
with it. She had an inflation bucket plan to that
she sprinkled on her plan to go ahead and have
the adjustments for inflation in the future. This is what
(09:06):
we're talking about. And to make it all come to fruition.
She had an estate plan. So God forbid, something happens
to her. Guess what, It stays in her family that
she didn't even have for twenty years. So her advisor
wasn't doing the good job for her. But guess what
she didn't. She thought that was the case for so
many years, but it wasn't because the advisor did not
(09:27):
do complete planning. So pick up the phone, schedule time
to meet with us. Let's get together. Let's talk about
your situation and see if we can help you.
Speaker 2 (09:34):
And one other thing, we talk about estate planning without
a will, probate court and the estate decide what happens
to your assets after you're gone. What Chris just mentioned,
many of you that we meet with. Do not have
a state planning folks, It's very simple. It's very simple.
It costs you less today than more later on, and
that's what a lot of people want to avoid probate.
What about your tax bill and retirement? Is it too big?
(09:56):
Do you even know what it is? Go to my
website Maggie tax dot com, click on the retirement calculator
on the top right, put in your information if you
have a four to one K or an ira, and
in thirty seconds, no one has this out there. In
thirty seconds, we can tell you what your tax bill
is going to be. Why is that important? Because now
we're giving you a reason to come in and sit down.
Like we mentioned before about the gentleman who was paying
(10:19):
more in taxes that he needed to, why would you
do that? And one thing we'll get into a little bit,
the Secure Act change the required minimum distributions from many
people out there, Many people don't even know what that is.
So it's very important to understand why Chris and I
do these educational seminars. And it's fun, you know. We
give out books, we give out a Social Security brochure,
we give out tax information, we give out you know,
(10:40):
stop funding off of Sam's retirement. Give us a call
eight three to three, Maggie Tax. Be sure to visit
Maggie tax dot com today, register for one of the
seminars and give us a call eight three three Maggie Tax.
You're listening to the Maggie Tax and Financial Show. Eight
three to three Maggie Tax.
Speaker 1 (10:57):
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 Ggi tax dot com or call eight one three
(11:19):
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 in Financial Group, Robert and Chris Maggie.
Speaker 2 (11:34):
Hello and welcome back to the Maggie Tax and Financial Show.
My name is Robert Maggie and I'm here with my
son Chris Maggie. A couple things real important for all
of you. If you're just tuning in. Go to our website,
Maggie tax dot com. On the top right there's the
retirement calculator. Click on it and fill in the information.
Let's see what your tax bill is going to be,
and in thirty seconds we could show you what it is.
(11:55):
Number two, there's a chat box on this so if
you're driving or you have questions, go to the chatbox,
fill in the question. We will respond to you. And
more importantly, to educate everybody out there and help them,
we're doing seminars every month, so go to the Maggi
tax dot com look for upcoming seminars. The dates are there.
Register and let's get a chance to meet with you.
Because isn't it imperative that all of you reason out
(12:18):
for yourself that you can have a strategy under any circumstances.
And again, Chris, most people come in and they go, gee, guys,
I don't have a lot of money. That's not the
question we're asking you. The question we're asking you is
how can we help you? So my guess is many
of you do not know this information, and it's because
you're not asking your advisor why. Because it's the language
(12:38):
we talk about the language and many of you do
not understand, so we can help. We call it the
Maggie Plan, simple and easy to understand. And for many
of you that have met with us, you understand what
I'm saying because we made it simple and understand. Chris
talked about some clients that came in before we talk
about this every week. They came in and they were shocked, Wow,
I really could do that. So many people in our
(12:59):
country believe that the government's going to take care of them. Look,
in fact, isn't it the majority of people many of
you listening, Sure it is. So how do we get
you to understand that it has now become mathematically impossible
that the government's going to take care of you? Christen,
what's happening is they're doing the opposite. They're making it
worse for us. Well, that's just saying, and you can't
control that.
Speaker 3 (13:19):
Right where in Ayoyo economy, you're on your own and
many people work hard, you know, they go to have
a job, they put money away, they don't know what
to do with it. That's where we come in. You know,
how do you structure all this where you can have
income in the most tax efficient way. How do you
structure this where you can have a tax plan where
you pay the least amount of taxes possible, but do
it legally. How do you put together an investment plan
(13:40):
where you have different buckets doing different things to combat inflation?
How do you make sure that everything you put together
stays in your family and doesn't have to go through
the probate process or has to go through taxes or
just heartache with other beneficiaries. It doesn't have to happen.
It's called succession planning. And how do you put this together?
(14:01):
So that's what we're discussing here, And if you have questions,
now's the time to stop for a minute, take a
deep breath, you know, pick up the phone and schedule
a time to meet with us. You know, a goal
without a plan is really not going to be achievable.
So what do you do. You have to have to
schedule time to meet with us. You have to come
in and let's let's have a conversation why. Because you
(14:23):
deserve it, you put away money. Now is the time
to put together a plan.
Speaker 2 (14:27):
You just brought something up that just hit me. You
call it succession planning. Many people call it enhanced planning
or estate planning. But talk about succession planning for a minute,
because it applies to everything that we're talking about, Chris,
about income planning, about tax planning, about four oh one
K rollovers. It's about succession planning. How do you get
to the next level because people do not understand the language,
(14:50):
and if you do not take action, you're simply just
going to lose. And if you do take action, you
can win. It's that easy. And what I'm saying, it's
that easy. Once you learn the and you learn the rules,
you can make something happen. And we can help all
of you arrive at this important determination because you're probably
worrying too much. Why are we sharing this with you?
(15:11):
We do this every week, we do our TV show.
You know. I've been speaking in person, you know, and
on the radio and on TV for years, and I
have been stunned to discover how few people understand this
vital information because they don't take the time, Chris, to
stop for a second and let me put this. It's
an hour an hour and a half of your time
instead of going to the beach or going bowling or
(15:33):
going whatever, or drinking. Am I right around?
Speaker 3 (15:36):
I mean because if you don't understand this information. It's
possible that you will not realize the damage that you're
doing to your financial and retirement success.
Speaker 2 (15:45):
And that's pretty simple.
Speaker 3 (15:46):
I mean, if you take the time to just carve
out a little bit of time to do what you
need to do to put yourself in good order, then
you can have fun from there.
Speaker 2 (15:55):
You know.
Speaker 3 (15:55):
We talked about a client of mine that we had
last last segment. We discussed how they had no idea
how to generate the income, and they came to us
and they said, I got this lum sum pension. What
do I do with it? How do I get income
in the most tax efficient way? Well, we created bucket planning.
They'll never outlive that money. Ever, they will have guaranteed
(16:16):
income coming in eight thousand dollars a month for the
rest of their life, you know what. And how settling
is that? How comforting is that? So when I say
the question is what are you doing about it? Or
if you don't understand this information that we're talking about,
is possible that you will not realize that the damage
that you're doing to your financial your future of financial
(16:37):
and retirement success.
Speaker 2 (16:38):
You know, And again, it doesn't matter if it's intentional
or unintentional. And one of the things that you know
what you brought up about education, about language, about teaching
our young folks and our kids how to save for
retirement because nobody's doing that. Why because they're not making
enough money to even save. But there is a way
to save a portion of your money if you understand
the way it works. And here's the worst part. Many
(16:59):
of you are unaware of the poor choice that you're
making because you are being informed in ways that are
beneficial to the sellers of these non beneficial products. You
don't understand what you have with mutual funds and stocks
and what the fees are and what the risk is.
And Chris talk about the comparison when we do that
with many clients because when we ask them, are you
married to that stock or do you know what you have?
(17:20):
The answer always is, uh, I don't know. Well, let's
just say it. How many people follow the crowd.
Speaker 3 (17:24):
How many people just try to keep up with the
Joneses right their neighbors, and they just don't know what
they don't know, And that is the biggest thing. So
we have clients that come in and they say, just
like my dad mentioned, the well I don't have a
lot of money, but meanwhile they do. They have enough
money so they can retire. They have enough money where
you can create a guaranteed income plan and they stay
(17:47):
within their income and their budget, and they're great. They
can do that. They don't have to have millions of dollars.
You don't have to get to a certain number like
the TV tells us or these advertisements tell us to do.
You don't have to. You don't know what you don't know.
And that's the thing, and that's why when you come
to meet with us, we'll tell you. You know, as
a fiduciary, we got to tell you the best thing.
(18:07):
We got to do the best thing for you. This
is your money, not ours. But we can help because
a lot of things we do as a complete planner,
we can help. So pick up the phone, schedule time
to meet with us. Every Sunday, we have a TV
show on ABCTV at ten thirty. It's called The Maggie
Tax and Financial Show. And why do we do it
Because we enjoy teaching. We enjoy educating you. Why because
(18:30):
you need this information. When's the last class you had
on income planning, tax planning, investment, planning, estate planning, social
security planning, medicare planning. When's the last time you had
a class on that. You don't even have a class
on how to buy and sell a house. That's how
the educational system we have is not complete. That's why
(18:52):
we need to meet with you. So pick up the
phone schedule time to meet with us. We look forward
to meeting with you. Visit our website Maggie Tax dot com.
That's Maggie Tax.
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
Maggi tax dot com. Or call eight one three three
(19:25):
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 in Financial Group, Robert and Chris Maggie.
Speaker 2 (19:40):
Welcome back and you're listening to the Maggie Tax and
Financial Show. My name is Robert Maggie and I'm here
with Chris Maggie today. We're talking about taxes and some
strategies and concepts that you could use. The biggest thing
is make an appointment. Sit down with us. Give us
a call eight three to three, Maggie. Tax Let's discuss
your situation, answer the questions you have, because I know
a lot of people are con so I want to
(20:00):
go back to a couple of things we talked about.
But here's an example of what we're trying to help
you with. And let's just say that you're sixty three
years old, you have a two hundred thousand dollars IRA,
and you may want to convert it. So let's also
say that you have a twenty five percent tax liability
and your account grows at five percent per year. And
you can really put any numbers in here, but I
(20:20):
just want to use this for illustration. So here's the
total amount of taxes that you could potentially pay from
that two hundred thousand dollars from today through age ninety.
So if you keep the qualified account, the total taxes
that you're going to pay on the RMDS is going
to be about seventy three thousand, nine hundred and forty
three dollars, and then you've got to pay tax on
(20:41):
the reinvested rmds, which a lot of people don't think
about about thirty thousand, and the tax is paid on
the remaining account when you pass away of forty seven
thousand dollars. So the total taxes paid is one hundred
and fifty two thousand on that two hundred thousand dollars IRA.
Why are we breaking this down because this is what
you don't see when you start taking money out of
(21:02):
your RA. Now, if you converted that irate to a
tax re option, you would pay taxes on the conversion
of fifty thousand, and that's it. You don't pay any
more taxes. Is that shocking because a lot of people
see Chris and they go, wow, how can that be?
Because you're taking off one thing? You say, you're ripping
off the band aid? That's it.
Speaker 3 (21:20):
So can you rip off the band aid? Should you
rip off the band Aid? The answer is yes and
depends on your situation.
Speaker 2 (21:26):
Right. So that's why it's so important to meet with us.
Speaker 3 (21:28):
Because what this client did was they went ahead and
said I don't want to be in an area or
an environment that's infected with taxes. I want to be
in an environment that's totally income tax free, where he
can breed the clean, fresh air of tax free income.
And that's what he was looking for. So what are
you looking for? That's the question that we are going
to ask you. So when you come to meet with us,
(21:50):
we're going to ask these questions. We're going to show
you what the tax liability is going to be, and
we can do some strategies. We could do a lump sum,
we could do a strategic rollout, we can do it
over time. Whatever we got to do to see if
we can help you benefit you. And so you now
you have tax free money. That's what it's about. So
when taxes increase, guess what. If you have tax free money,
(22:11):
you don't have to worry about it. So why not
put yourself there if you can, and we can show
you how. Eight three to three, Magi Tax. Pick up
the phone, schedule time to meet with us. We have
office on both sides of the day to help you.
Eight three three Maggie Tax.
Speaker 2 (22:25):
Now, when you come in, we can show you this illustration.
Because I know it's hard to see on the radio,
but keeping your IRA in that situation's going to cost
you an extra one hundred and two thousand and taxes.
And if you spent the R and ds rather than
reinvesting them, it's still going to cost you an extra
seventy two thousand to keep the IRA. That's just the
way it is. I mean, there's nothing we can tell
you that's going to be different. It's real. So when
(22:46):
you run it from a tax standpoint, this is what
you folks need to see. And by the way, we
can run this tax analysis for all of you when
you come in, and it's part of what we do
every day at Maggie Tax. And here's a better option.
Now that you know the truth about tax deferral, let
me give you a better option. And hear at Maggie
Tax we believe the most powerful tax free option. This
(23:06):
is another one that a lot of people don't discuss.
It may be good for some, it may not be
good as Index Universal Life, and some of you might
qualify and some may not. And that's why we have
to meet and see if this is an option. So
by converting some of your tax deferred assets into tax
free Index Universal Life, you could save hundreds of thousands
of dollars in taxes. We've helped a lot of people
(23:28):
do that. You can increase your income in retirement tax free,
and you can reduce the risk and volatility in your
retirement portfolio. So if you want to learn more about that,
call my office right now eight three to three Maggie
Tax or visit Maggie tax dot com and set an
appointment today and let's schedule the time to talk about this,
and let's talk about tax risk and legislative risk and
(23:50):
what the heck is the difference. As things stay hot
in Washington, I'm getting asked this question more and more.
Both are risk that can dramatically impact all of you,
and both are risks chris that most savers are underprepared
to address. And that's confusing because they're not educated on this.
It's the language that they don't understand. Well that's just said.
Speaker 3 (24:10):
I mean, everyone thinks they have to go through those risks.
You know, if the mark goes down, they think, well,
everyone's going to lose money. Well, no, it doesn't happen
that way. They think, well, everyone's going to pay taxes.
No not, everyone's going to pay taxes. And if you
do the right strategies, you can control your retirement. You
can control the amount that you earn, you can control
the volatility, you can control the tax side of this.
(24:31):
You can even control how it transfers to who you
want it to go to. These are things that we
do each and every day. Do you have these plans?
If not, why not? That's what we can help you with.
So we have offices on both sides of the bay
to help you. But my dad is talking about a
lot of different things here. When it comes down to
your retirement and income. Your retirement assets are going to
be affected by the taxes. Your current income and your
(24:54):
future income are going to be affected by the taxes
because as they raise the tax brackets get that's what
less income to you, and then you and then you
put inflation on top of this, then it gets even worse.
So what are you doing about it? And that's why
it's so important to get a review. Pick up the phone,
schedule time to meet with us. Let's get together. Let's
have a conversation. When you come in, we're going to
look at your tax return, we look at your investments,
(25:16):
and we look at your income plan. And if you
don't have an income plan, we'll show you how to
get one, We'll do it for you. Eight three to
three MAGI tax.
Speaker 2 (25:23):
So tax risk is the risk that a person's taxes
they're going to be higher in retirement than what you
plan for. And this means more of a retires income
is going to be we'll go to the I R s.
Speaker 3 (25:34):
As taxes, which means less income to you. So you
have to do something about this.
Speaker 2 (25:38):
And that's that's a great point there, and Chris, they
don't see this more to I RS and less to
you because if you a big question when we ask
everybody when they come in, how much income do you
need every month to come in the front door to
pay your bills, to live and do what you want
without worrying? And that's a you know, that's a question, Chris,
the people can't answer. They don't know the answer to
when it's confusing because that's the groundwork that you and
(26:01):
I start with, so we could see what's going to
happen when it comes.
Speaker 3 (26:04):
To taxes exactly we're talking about net You know, we
can we can gross up the rest or if we
have strategies. We don't have the takeout taxes because we
don't have to pay them. So That's why it's so
important to make sure that you know how much you
need per month, especially approaching retirement. What is the amount
you need for the next thirty days to spend. I'm
not talking about put it going on a vacation or
(26:25):
I'm not talking about going on a cruise or to
go on a trip. Those things we can plan for.
I'm talking about day to day or month to month
activities that you need to cover to make sure that
you have income coming in. So these are things we
can help you with. It's called budget planning. Schedule time
to meet with us. We can help you a three
to three Maggie tax.
Speaker 2 (26:42):
There's another word to use, budget planning. A lot of
people out there listening today don't even know about a budget,
don't have a budget. Well, folks, it's real important when
you sit down and look at what you're spending and
what you owe. You know what's coming in the front door,
how does that balance out. So from a standpoint that
Chris and I do, we do a balance sheet on
every clock to see where your assets are, which ones
you're using for income, which one you're using for taxes,
(27:06):
because that's part of the plan. It's a tax planet.
It's an income planet, it's an investment plan, and it's
a legacy plan. So folks, if you're missing that, you know,
I encourage you to call right now eight three to
three Maggie Tax. Pick up the phone, make an appointment.
Let's see we can help you out. Because in short,
tax risk measures the level of taxation that you're going
to experience in retirement. Now, I know you're saying, well,
(27:28):
I'm not retiring yet, but that's okay because you want
to plan for it, So don't put that off until
the year before you retire. How many people Chris call
us and say can I retire? And we ask him
when do you want to retire? And in many cases
they can retire but don't even know they can.
Speaker 3 (27:43):
Well, let's just say it. So it's a great feeling
when you can tell someone yes, you could retire and
they look at you like, well, where am I going
to get the income from? And we can show them
because we can put together buckets of money where it
has income producing account growing for long term to combat
the inflation as well, and all. The best thing is
that avoids probat and stage within the family, so you
can leverage your money. You can maximize your soil security benefits,
(28:05):
you can have spousal benefits. These are things that we
talk about each and every week because you need to know.
You know, we got a client that came in last
week and we put together a plan and they sat
back and they said, my gosh, I am sixty four
years old and no one's ever ever told me how
to go about doing this. And she was disappointed with
her past. And she said, I wish I would have
(28:26):
found you ten years ago because I would have been
even in better shape. Because now she has clarity, she's educated,
she knows exactly what she can do and what each
account's going to do. And she said, oh, my gosh,
I'm retiring on Monday. I can't wait to come in
and see you again the next couple of weeks and
then we can put together and implement the plan to
make sure it happens. And that's what we're talking about today.
(28:48):
If you don't have a plan, why not we call
it the Maggie plan. What's the Maggie plant's tax planning,
income planning, investment planning, sol security maximization planning, what about
state planning? If you don't have a will or a
power of attorney or maybe a living trust is right
for you, maybe it's not, but these documents are important,
They're crucial. Do you have beneficiary forms? Do you have
(29:10):
your account set up? If not, why not pick up
the phone schedule a time that maybe less we can
help you. Eight three three Maggie tax. That's eight three
to three Magi tax.
Speaker 2 (29:20):
And we're about to see tax risk and action because
in twenty twenty five, several provisions from the twenty seventeen
Trump tax cuts expire, and this includes the reduction and
individual income tax bracket rates. So in twenty twenty six,
many savers are going to find their tax bracket rates
higher than they are today, causing many of you to
pay more in taxes even while maintaining the same amount
(29:42):
of income. Is that what you really want? So get prepared,
you know, have a plan, sit down and you know,
for the younger people out there, one thing Chris mentioned,
don't I don't want you to wait you sixty four
to figure out if you can retire, You could do
it younger, and that's when you start putting a plan together.
For even younger people. Chris, you know you're young, You've
got a plan, but these the people listening to this show.
It's not just for retired people. And if you have
(30:04):
children that are, you know, trying to figure out this
out on their own, it's not gonna be easy. It's
a big puzzle. So have them give us a call
eight three to three Maggie Tax and again visit our
website Maggie tax dot com. Ten one of our seminars.
We talk about social security, we talk about Willson Trust
that Chris mentioned, we talk about taxes, you know, and
(30:25):
this is what a lot of people are missing. So
please don't sit back and do nothing. Procrastination is not
a retirement plan, absolutely, and let's just leave it at this.
If you do not have a tax plan in your
retirement plan, then you are in trouble because it's going
to eat away at the investments that you have, it's
going to eat away at the future income that you have.
(30:45):
It's the biggest problem that most American people don't know
how to retire or can't retire because they have not
thought about the tax planning.
Speaker 3 (30:53):
So pack up the phone, schedule time to meet with us.
Tax planning, investment planning, income planning. We could do it
all to help you complete planning Maggie Tax dot Com
eight three three mag A Tax.
Speaker 2 (31:02):
That's eight three to three Maggie Tax.
Speaker 1 (31:07):
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
m a gg I tax dot com or call eight
(31:28):
one 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 (31:44):
Welcome back to the Magi Tax and Financial Hour. We
thank you so much for tuning in. Don't forget every
Sunday on ABC TV at ten thirty am for the
Magi Tax and Financial Show. It's our TV show on
Sunday ABC. There's so much information right there, you get
to meet us, you'll see us. We talk a lot
about education on many different topics, and that's what it's
(32:07):
all about. To educate you and make sure that you
are knowing what your options are during retirement.
Speaker 2 (32:12):
So let's take this step by step because it's a
basic understanding of income taxes where it all starts. And
literally all of you have little or no understanding of
how income taxes work because you only do it once
a year. You basically put all your stuff together, bring
it to a tax REPAA, and then see what you
have to pay. And how do I know this because
think about this for a minute. Sixty one percent of
(32:33):
American pay no federal income tax, and yet they contribute
to tax deductible four to one k's iras, four or
three b's and four fifty seven plants. So here's what happens.
They get a deduction on the front side, and they
build a pile of money that could be taxed at
twenty thirty forty percent on the backside. Chris, is that
a good thing? Is Is that a good plan where
(32:56):
you're able to, you know, put money away. You get
a tax deduction, But then later on they bang you
with a big tax and they don't tell you.
Speaker 3 (33:02):
Well, it's good on upfront, but there's the rest of
the story.
Speaker 2 (33:07):
But here's the thing. Upfront might be good because you
get a tax deduction. But we're talking about retirement here.
We're talking about putting money away so that you can
have a great retirement. It used to be stop working
at sixty five, you get medicare, you get solid security,
and you're on your way. My dad did that, my
mom did that. That was the basic thing. Get your
pension because they worked for a company that gave him
a pension. Not many people have that. You talked about
(33:30):
that before design a pension plan, folks, that's what we're
talking about the language. So ask yourself, if you were
a farmer, would you like to pay tax on the
seed or the harvest? And that is not a good
understanding of tax law. And again that's why we have
the Maggie Plan. It's a tax plan, it's an income plan,
it's an insurance plan, it's an investment plan, and we
(33:50):
call it a complete plan. Ask yourself this question, do
you have a complete plan? I sit in front of
people every day, so does Chris, and we ask them
do you have a complete plan? And they go, well,
I don't know, I think so. So when we start
talking to them and pulling everything apart, guess what. They
don't have a complete plan. They have an incomplete plan.
(34:10):
So we call it the Maggie Plan, and get a
complete plan today, simple and easy to understand. Visit Maggie
tax dot com. Click on the retirement calculate. We've been
talking about this all through the show. In thirty seconds,
I can show you what your retirement tax bill will
look like. We can help and we call it the
Maggie Plan. And I promise you this simple and easy
to understand, and don't be afraid to come in and
(34:32):
talk about it, because I think, Chris, what happens to
a lot of people out there. They walk into a
broker maybe and they're told about this mutualphone and stock
and that's it, and there's nothing else that they give
them as an option. So eight three to three Magi
Tax operators are standing by right now as we speak,
and be sure to visit Maggie Tax dot com. Yeah,
that's just it.
Speaker 3 (34:51):
You know, when you talk about do you really want
a plan? Do you want an individual to just give
you a recommendation on what to buy or do you
want a complete, ongoing plan? And that's your call, you know,
So listening today, you know you have a choice. We
all have choices. We have choices. To buy things. We
have choices to to be uh, to be active or
(35:13):
not active. We have choices on what we can eat,
what we don't want to eat, or what we should
have should not eat. Right, So we all have choices
in life. We all know the basics. But what kind
of goals do you have? You know, because a goal
without execution is just a dream. And when you start
thinking about this, you have these concerns on your mind.
You're listening to this show, you're watching our show. You
understand that there is there is things that you have
(35:34):
to address. You have to have an income plan, you
have to have a tax plan, you have to have
an investment plan. This is money you're putting away. What
is it doing for you? Are you losing money?
Speaker 2 (35:43):
You know?
Speaker 3 (35:44):
What kind of strategy do you have? That's what we
need to discuss here because you need to come in
to meet with us. Every situation is different. You might
have all the money you need right now to retire
and you just don't know it. You know, many federal
employees out there, they have no idea what that their benefits.
So if you're a federal employer out there, we can
show you about your first pension, about your life insurance,
your fagely, your survivor benefit, your TSP options. These are
(36:07):
things that we do each and every day. So pick
up the phone, schedule time to meet with Let's let's
get together, you know, let's let's begin the year. Let's
have a good jump on the direction where you want
to go. And that's confidence and clarity. So pick up
the phone, schedule time to meet with us A three
three Maggie Tax.
Speaker 2 (36:23):
And again I'm gonna repeat this because if you're just
tuning in, this is very important. Visit our website, Maggie
tax dot com. Why because we have a lot of
information there to teach you. So in the privacy of
your own home, take a look at it. Visit the
retirement calculator on the top ride. If you have an
IRA four oh one K four oh three B, let's
find out what your tax bill is going to look like.
And then let's come in and do some planning. Because
(36:44):
once you see that calculator, once you see that illustration
that's gonna come directly to you in an email, you're
gonna stop and say, wait a minute, what do I
do about this? I'm gonna pay a lot of taxes.
So again, we say this every time people commit say well,
I don't have a lot of money. Of course you do.
You have a lot of money because it's your money,
that's what you saved. And then go to the other
side where it says seminars. Take the time and come
(37:05):
to our seminar. We're doing one a month. There's different locations,
but take an hour and ten minutes, hour and a
half to visit with us. And let's tell you and
show you what we do. And again, I know you
have a lot of questions. We talk about a lot
Chris and I. So go to the Maggie tax dot
com and look at the chat box on the bottom right,
hit it and put a question in. I don't care
how silly it sounds. We're going to respond to you.
(37:26):
And Chris, I think that's the problem that a lot
of people have with their advisors or they're brokers or
their tax person. They're afraid to ask questions.
Speaker 3 (37:32):
Why that's just it, because they feel like they should
have an input on their plan.
Speaker 2 (37:40):
Aren't they supposed to know?
Speaker 3 (37:41):
This is their money, though, this is your money, not ours.
Let's guide you, let's educate you, let's show you what
your options are and you can say, oh my gosh,
that's what I want, that's what I don't want, and
I want to gravitate towards what you want, and that's
what we can do to help you. We are not
transactional advisors. We're complete advisors and that's a big deal.
So when you're coming to me with us, we'll show
you what we do here at Maggie Tax Advisory and
(38:02):
Financial Group. So pick up the phone schedule of time
to meet with us. An interesting statistic here from the
wage statistics information provided by Social Security. Every year, ninety
two percent of Americans make less than one hundred and
twenty thousand dollars. Think about that for a minute. Ninety
two percent of that. If you're over one hundred and
twenty thousand, then you need a plan. If you don't
have a plan, you need to have one. So pick
(38:25):
up the phone schedule time to meet with us A
three to three Maggie Tax. We thank you so much
for listening to today's show. Visit our website at Maggi
Tax dot com. Pick up the phone schedule time to
meet with us a three to three Maggie Tax.
Speaker 1 (38:42):
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 Panelas County. Visit Maggie Tax dot
com or call eight one three three two to two
twenty five twenty. That's eight one three three two two
(39:04):
twenty five twenty and tune in next Saturday at five
for the Maggie Tax and Financial Hour
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