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Tax Planning

There’s a tremendous difference between tax planning and tax preparation. Effective tax planning can save you thousands, tens of thousands, or even hundreds of thousands of dollars over your lifetime. Think about it – when your accountant or tax preparer sits down to...

Taxes in Retirement

No truly holistic retirement plan would be complete without thoroughly addressing long-term tax planning. After all, the difference between $10,000 a month of taxable income and $10,000 a month of tax-free income is dramatic. So while the Bucket Plan is the best way...

The Bucket Plan

The Bucket Plan is a three-bucket approach to segmenting your money, based on the purpose and time before you will need it. Essentially, you are buying time with the funds you will need sooner, so you can invest the funds you won’t need until later for long-term...

Sequence of Returns Risks

Sequence of Returns Risk comes into play as you transition from your accumulation years, to your preservation and distribution years.  It simply refers to the order in which good and bad market returns occur. Think about it – if you take yearly withdrawals from...

The Money Cycle

Have you ever heard of The Money Cycle? The Money Cycle is something that we all go through during our lifetime. There are three phases: accumulation, preservation, and distribution. The accumulation phase starts early in life. When you are accumulating assets, you...