In this week’s Hidden Wealth Review, I want to ask you a question. Is it possible to have a tax rate of under 4%? The answer is yes! There are ways to structure your retirement income so that your Retirement Tax Rate (RTR) is under 4%! Whether you’re retired or still working, there are ways you can lower and even eliminate your taxes.

We have a client whose taxable income was about $129,000 a year. Last year, they paid under 3.5% in federal tax! I encourage you to take the time to learn what your tax rate could be now and when you retire.

Before you can understand how this tax strategy works and whether it’s right for you, you need to know what your true tax burden is. This isn’t about which tax bracket you’re in, it’s about the actual percentage of your income that you pay in taxes. This is your Retirement Tax Rate.

To determine your RTR, take the amount you paid in federal taxes and divide it by your retirement income. For most retirees, this is the sum of income from Social Security, investment interest and dividends, annuity payments and withdrawals from your IRA or 401(k).

When your income was based on wages or other forms of pay, the big tax-planning decision was how much to set aside in your 401(k) or IRA. When you’re retired, each source of retirement income has its own unique tax-planning decision. The decisions you make regarding each income source impact your RTR. Once you know your RTR, you can see how changes to your retirement income plan either increase or decrease your RTR.

Most Baby Boomers have saved the bulk of their money in tax deferred accounts such as IRAs and 401(k)s. If this applies to you, the time to protect yourself may never be more important than right now! The good news is, the timing hasn’t ever been better!

This coming Tuesday, I will be teaching my Wealth Protection Webinar. During this no-cost, no-obligation educational event, I will be teaching a strategy that allows an income source to be taxed at zero percent (at both the state and federal levels). This strategy also avoids having your Social Security taxed and prevents higher Medicare Parts B and D premiums.

Imagine, not having to pay taxes on your Social Security and avoiding higher Medicare Parts B and D premiums. We find that this one strategy saves our clients between $400 to $1000 a month.

To register, go to, enter your information and submit the registration. Once you’ve registered, you’ll receive an email containing a personal link to join Tuesday’s event. Learn a strategy with a proven track record of measurable results that allows you to have a retirement income tax reduction and elimination plan.

I encourage you to register for your preferred webinar time now, because these events fill up fast. Those who attend this event will receive an e-copy of my latest book, The Baby Boomer Retirement Breakthrough-The Unfair Advantage to a Safe and Secure Retirement.

-Spouses are encouraged to attend this event together-

Or Call
(855) No Tax 2 U
(855) 668-2928

We are excited to announce our latest press release. Great things are happening at The Hidden Wealth Solution! Click here to read the full release.

Here’s to your Hidden Wealth,
Chuck Oliver
Best-Selling Author