"The Power of Zero"
"[The Power of Zero] clearly shows how to make maximum use of a tax deferred and tax free retirement savings plan.
The part about reducing taxable income for Social Security was something I had never considered."
-Robert S.
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"I have greater control & confidence of my retirement with the concepts of this book."
Testimonials may not be representative of all customer experiences
"The concepts in this book are outside of the box in terms of conventional retirement strategies. It was a true eye-opener for me and forced me to rethink the way I was going about saving for retirement. The strategies in this book are genius. If you want to save more of your hard-earned money in retirement rather than spending it on unnecessary taxes, this is a must-read!"
-Dustin
"David McKnight is an excellent writer. His book reads easily and outlines in a clear and concise manner principles every middle-income American needs to learn. He's exactly right -- there is a train wreck coming in the form of increased taxes -- and people need to prepare for that inevitability. I've been a big proponent of IRA planning and Mr. McKnight creates a framework that makes a very important planning topic more digestible and actionable."
-M. Cordner
"Clearly shows how to make maximum use of tax deferred and tax free retirement savings plan. The part about reducing taxable income for Social Security was something I had never considered."
-Robert
The Blueprint to LEGALLY Keeping More of YOUR Hard Earned Money
With the United States currently over $37+ TRILLION in debt... Where do you think the government might turn to address that debt?
Learn How to Reduce Taxes on Your Retirement Savings and Keep More of YOUR Hard Earned Money
From the Desk of
Linda Patent
Federal Benefits Specialist, Financial Advisor | L.R. Patent Financial Services
"Have you ever sat back and really thought about just how much one trillion really is?
Let's play a quick game...
What year do you think it was just one trillion seconds ago?
One thousand seconds is about 17 minutes...
One million seconds is about 12 days...
One billion seconds is about 31.7 years...
And one trillion seconds is about 31,709.8 years!
That's right, one trillion seconds ago, Woolly Mammoths were roaming the earth, not even close to being extinct.
And the United States Government is currently over $37+ TRILLION in debt...
Have you ever sat back and wondered just where the money would come from to pay back this massive debt?
That's right. Taxes.
Now while there may be multiple sources that the government can pull money from, income taxes have always been on the radar.
And retirement accounts such as IRA's and 401(k)'s fall right in that category.
Did you know that income tax rates in the United States have topped over 90% before?
Source: Tax Policy Center, Historical Highest Marginal Income Tax Rates (based on IRS and Congressional data). www.taxpolicycenter.org/statistics/historical-highest-marginal-income-tax-rates
And we are currently at some of the lowest tax rates in history.
But this doesn't have to keep you up at night!
By learning about, and implementing, the concepts taught in The Power of Zero, you can potentially get to the 0% tax bracket*, and ensure that you won't have to worry about how high tax rates might go in your retirement years."
-Linda Patent
Federal Benefits Specialist, Financial Advisor
L.R. Patent Financial Services
But Don't Just Take My Word For It!
Testimonials may not be representative of all customer experiences
"Easy to understand, clear and well written. I feel so much more well-informed and have taken steps suggested to lower my tax liability in retirement. I feel a lot more comfortable about my retirement and am excited to continue learning and keeping up with current tax laws on the subject. Reading articles about retirement now make much more sense to me."
-Fareed
"Opened My Eyes!"
"Excellent strategies to pay fewer taxes in retirement. A bit technical, but he keeps advising you to get a good financial advisor to set yourself up properly. I liked that he gave good examples of how the strategies work in real life. This book should be read by anyone who wants to have more money available to them in retirement."
-Mark W.
"McKnight makes many powerful arguments like...Why higher taxes are inevitable, why people that ignore history will get slaughtered during retirement, and why building a tax-free financial plan right now is the best way to avoid the coming shock. In a very simple way, this book explains the only sane and legal roadmap to a tax-free retirement. This book is a must-read for CPAs, CFPs, financial advisors and the investing public alike!"
-Ronnie D.
Who these strategies are for...
Business Owners
Executives
W-2 Employees
Contractors
Retirees
Those with a 401(k) or IRA
Those who have NOT Started Retirement Planning Yet
Those who have Already Built Up Retirement Assets
And More...
If you want to know how to make and keep as much of YOUR money as possible in retirement...
This Book Is For You!
In this book you'll discover...
How to position your retirement dollars so you can access them tax-free during your Golden Years
How to Plan for Retirement, without Sacrificing Today's Needs
What Impact Taxes Will Potentially Have on Your IRA/401(k)
The History of Taxation in the United States, and the Probability of What Can Happen in the Future
How to Mitigate Stock Market Risk while Still Retaining the Ability to Grow Your Nest Egg
And So Much More!
Take a Look at What You Will Learn in Each Chapter...
Chapter 1:
A Gathering Storm
In chapter one, you will learn exactly why understanding the role income taxes will have on various investment products you may be using is so crucial, and why taxes pose such a threat to your financial well-being.
For example, did you know that Social Security was never designed to provide retirement income, but only to help those workers who might live too long?
When you consider how much of the government's revenue is spent on Social Security, Medicare, Medicaid, and the interest on the National Debt, it's shocking to consider how taxes will have to be increased to keep these programs solvent.
Chapter one will also give you a quick overview of the strategies you will learn in the following chapters, particularly why understanding the three "buckets of money" is so crucial.
Chapter 2:
The Taxable Bucket
Chapter two is all about how the "taxable bucket" of money.
Bottom line, this bucket should be used to cover the unexpected costs in life that are typically more "immediate" and that you need quicker access to funds for.
The keyword: Liquidity.
However, just like any bucket of money, the trick is to know just how much money should be allocated to this bucket, along with the pros and cons that accompany it...
All of which you will learn in the book!
Chapter 3:
The Tax-Deferred Bucket
The tax-deferred bucket is the one that most of us are familiar with...
This bucket includes investments such as a 401(k) and IRA, which a lot of people tend to favor for two reasons:
1) You get to "defer" your taxes on the money you put into those accounts, and
2) You feel like you can "set and forget" it most of the time!
However, this strategy can have MANY unintended consequences that the majority of people may not be aware of...
Yes, this bucket of money should be used, but it should not be confused with the "tax-free" bucket that is talked about in chapter 4.
You will need to pay those taxes at some point!
And taxes may not be as low for you then as they are now.
All this, along with strategies to avoid unintended consequences, are covered in this chapter!
Chapter 4:
The Tax-Free Bucket
This, my friend, is the golden nugget of the entire book.
Most people who are saving (or intend to save) for retirement are familiar with, and perhaps even using, the first two buckets of money...
But what about this, the most favorable bucket of all?!
This is what many people overlook, and with dire consequences.
When properly understood and utilized, the tax-free bucket can allow you to keep more of your hard earned dollars, without needing to give up a portion of your retirement funds to the IRS at a time in life where you may need it the most.
Now, this isn't a situation where you can simply know what products to use and dive right in, there are a few key points that you must be aware of, that are discussed in Chapter 4.
Chapter 5 :
Building the Tax-Free Bucket
"It's important to have a sound idea, but the really important thing is the implementation."
-Wilbur Ross, Former United States Secretary of Commerce
It's one thing to know why the "Tax-Free Bucket" might be worth considering for your nest egg, but it's another thing entirely to understand how that bucket can be created.
And that's what chapter 5 is all about... Diving into one of the most powerful strategies available that can help you create a tax-free income stream in retirement.
It's important to remember that there is no one-size-fits-all approach that applies to everyone, which is why chapter 5 is a must read...
It breaks down key details, benefits, and considerations of this strategy, and helps shed light on important elements that should be taken into account such as flexibility, liquidity, protection, and more... Empowering you to determine if it might be a fit for your unique situation and goals.
In Conclusion
The United States Government is currently over $37+ TRILLION in debt...
Now let me show you EXACTLY what this book will help you avoid:
Let’s say you just retired, and you decide to go to an ATM to withdraw money, and you want to pull out $100,000…
You earned this!
You’ve worked hard for this!
But when you go to grab your money from the machine, instead of the $100,000 you requested, the machine only gives you $80,000
Confused, you double-check to make sure you entered the amount right.
Sure enough, you did enter $100,000, but you forgot one thing…
You’re in a 20% tax bracket, the account you’re withdrawing your money from is a taxable account like an IRA or 401(k), and this guy named Uncle Sam is right beside you with his hand out, ready to collect the amount you owe.
Your mind starts racing… What could you have done with that extra $20,000?!
A vacation?
A car?
Spoiled your children and grandchildren?
Who knows?!
But all that matters in the moment is that you don’t have that money.
And that’s exactly what I want to help you avoid, and what you will learn in "The Power of Zero.
Make sure to grab your complimentary copy today!
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"So... What's The Catch?"
You may be wondering what the catch is, and I’m here to tell you that there is none. We have gifted this book to many individuals without the expectation of receiving anything in return.
So why are we offering this book at no cost to you?
Because we believe in empowering individuals with the knowledge they need to make informed decisions about their retirement. While some people may read the book and continue their retirement income planning as they always have, others may recognize the value of the strategies discussed and want to further explore how they can apply them to their own financial goals.
For those who are interested, this book serves as a starting point for deeper conversations about retirement income planning and strategies to help you work toward greater financial confidence and security.
Here's EXACTLY what you'll learn in this book...
The truth about taxes, and why it’s imperative to protect your retirement savings with the US government currently over $37+ TRILLION in debt
Why the government is so fond of IRA’s and 401(k)’s and why you may not want those to be your only planning vehicle
The three “buckets” that make up retirement planning, and why you should allocate correctly to your Taxable, Tax-Deferred and Tax-Free Buckets
How to reduce your taxes, even down to 0%, without sacrificing your needs today, tomorrow, and for generations to come
How to avoid unnecessary taxes when it comes to your social security (yes, it IS taxable)
And so much more