Most American taxpayers spend 40 years working hard to save money for retirement, usually saving their money into accounts recommended by their financial professionals. 

Most folks get ready to “spend down” their hard-earned savings in retirement with very little knowledge or education about the many ways market volatility, sequence of returns risk, tax code changes, and unknown future taxes are going to affect how much money they are actually going to be able to spend.  

Unfortunately, it turns into a very stressful and worrisome time in most people’s lives. They end up paying way more in taxes than they ever thought possible, and it has the potential to steal their joy.

I simply start with the end in mind and talk to people about how their money is going to distribute during their retirement years depending on where they have accumulated it. If they would prefer to protect, preserve, and pass-on their wealth with no risks for market volatility, sequence of returns, tax code changes, and pay no taxes on their retirement income, I can help them.

There are strategies that have been around a couple hundred years. These strategies are in the tax code, which is why all the wealthy, the politicians, President Biden, and so many others have embraced and executed these strategies.

By transitioning your wealth into these strategies, most folks double their lifetime wealth; it’s simply the way these assets are structured.

Most people whose lives intersect mine have a financial professional; many are happy with their financial professional. They are simply unaware something else exists different than what 95% of American taxpayers are doing with their money.

I would love the opportunity for our lives to intersect so that we can have an honest conversation about what is truly happening to our money.

Judy Carlson, CPA
CEO & Founder, Coram Deo Financial

 “If what you thought to be true about your money turned out not to be true, when would you want to know?”