(267) 317-1515 Doylestown/Blue Bell (215) 310-9440 Newtown/Yardley

Wealth & Advisory Associates

Tax-Efficient Retirement & Zero-Tax Strategies

Mark Byelich and Paul Murray are members of Ed Slott’s Elite Advisor program and have developed financial planning techniques and investment management strategies to help clients shift and structure their investments to help reduce Federal income taxes, or achieve the coveted 0% tax bracket in retirement. 

We don’t know anyone who wouldn’t rather pay less in taxes, especially in retirement. Over the course of modern American history, income tax rates have been as high as 90% and as low as 35%. With trillions of dollars in national debt, and hundreds of billions of dollars needed each year for Social Security, Medicare, Medicaid, and other public programs, there is every reason to believe that income taxes can increase in the years ahead, not decrease.  Currently, we are in a period of historically low taxes, but there is a growing consensus that taxes must increase to cover Federal and State expenses and obligations. As the saying goes, nothing is certain but death and taxes. The “great unknown” is that we have no idea what tax rates will be in the future. 

Most people are led to believe that they will transition into a lower tax bracket in retirement.  In our experience, that is rarely the case.  We often see our clients receive a raise in retirement as a result of a sound savings and investment strategy, or a loss of deductions. If most, or all, of your savings are in IRAs and 401(k)s, the IRS will be able to tax 100% of your retirement income – at a future rate that we cannot predict – which can affect the taxation of your Social Security benefits, as well.   

We can develop a plan to manage your current and future tax obligations.  By taking advantage of tax-deductible and tax-deferred savings strategies, along with tax-free distribution strategies, we can help you limit the amount of income tax you may owe when you need to access your funds.

There is much to discover about adding a Zero-Tax strategy to your diversified portfolio of assets. We can help determine if a Zero-Tax strategy is appropriate for you based on your goals and circumstances. 

The views expressed of Ed Slott and Company, LLC are independent of those of Kestra IS. Kestra IS makes no representations as to the suitability or validity of any information provided by Ed Slott and Company, LLC. Consult your tax and financial professional prior to implementing any of the suggestions listed.