Yancy CPA

I am providing a complimentary retirement assessment. I'll look over your potential taxes in retirement based on current savings strategies and discuss ways to create diversification in your portfolio both form a market perspective and tax perspective.

TAXES ARE THE #1 erosion factor of retired people's wealth.

Contact me today for your complimentary assessment.

A financial guru once told me that the best stock investors know how to make money in the market whether it's going up, down or sideways. Of course its also important to be able to "know" if the market is going up, down, or sideways. If you are just "guessing" the market, you most likely end up losing your investment.

In reality, most people have their money in a 401 (k), IRA or similar plan and the only way for those people to make money is when the market goes up. They do not have the ability to move their money into any other vehicle that can take advantage of market volatility. As a consequence their money never "earns" enough in the market due to market volatility. The market was great for most people last year as it returned a huge gain, however, 2018 has started out very volatile and the markets are down 4-5%. Never mind any fees you paid along the way.

If you are tired of trying to guess what the market is going to do and want your money to be protected from market volatility, so that you can actually get your money to earn something for you to retire on, please contact me.

As a CPA I want everyone to be able to retire with enough money and in the lowest (0% is possible) tax bracket.

The new tax laws are reducing the tax brackets and widening the income to each bracket. You should be talking to your CPA and financial advisor about how these changes should be making an impact on your saving for retirement habits. Here's a trick question: Should I pay taxes now in a low tax environment and use my after tax money to grow my retirement in a tax exempt strategy or should I max out my 401(k), my IRA or SEP and avoid paying taxes right when they are at historically low levels. While this should be a no brainer, I am seeing too many advisors and CPAs tell clients to continue to max out their contributions right now. This is why its important to work with someone that not only helps their clients in the current tax environment but also plans with you for the future tax environment.

So, the "market" experienced a bit of a correction today. What will happen tomorrow? No one knows for certain. The volatility of the markets can be a big positive or it can be a huge negative. If you'd like to find a safer place to invest for retirement that offers tax free distributions then you need to come talk to me.