1. Roth (IRA and 401k)✅
2. HSA (Health Savings Account)✅
3. Permanent Life Insurance✅
4. Municipal Bonds (State Tax Free but Taxed Federally)✅

1. Roth accounts grow tax-free and don't have Required Minimum Distributions (RMDs), except inherited Roth IRAs✅

2. Balancing between tax-deferred and Roth accounts can optimize tax efficiency✅

1. Poorly planned withdrawals can push retirees into higher tax brackets.

2. Ideal strategies for Tax-Free retirement may include Roth conversions during lower-income years and Coordinating withdrawals to manage Annual Gross Income (AGI).

3. One of the best strategies is to use a combination of Life Insurance and Annuities to get the required retirement income.  Talk to us about how to structure that portfolio.

1. Federal estate tax exemption is $13.61 million per person in 2024 (sunsetting in 2026)✅

2. Some states have separate estate or inheritance taxes with lower thresholds✅

With the U.S. national debt surpassing $38 trillion as of June 2025—an all-time high—future tax increases are not a matter of if, but when. This isn’t about politics; it’s simple math. To balance the books, the government will likely raise taxes and cut spending.

If your retirement plan relies heavily on taxable accounts, you could find yourself paying much more in taxes than you anticipated. That’s why now is the time to consider reallocating to tax-free strategies that can help shield your retirement income from future tax hikes.

Let’s talk about how to protect and reposition your nest egg—before it's too late.