In this week’s Hidden Wealth Review, I teach about the three volatilities that can or will wreck retirees retirement. The first of these volatilities is the most critical and it has a timing element that is crucial right now. Retirees need to have an effective plan to deal with each of these volatilities.

1.Tax Rate Risk Volatility. Overpaying taxes costs retirees an extra $1,000 to $3,000 (or more) per month. When retirees need to draw money to live on, they have to factor in Uncle Sam’s cut in order to net their needed sum. This higher distribution pushes them into a higher tax bracket, subjects their Social Security to taxes and, in many cases, forces retirees to pay higher Medicare parts B & D premiums. These higher premiums are really hidden taxes. Now, with the government passing the SECURE Act, which does away with the inherited stretch IRA, your IRAs are turned into an IOU to the IRS for your children and grandchildren.

2. Longevity Volatility. Many Baby Boomers are predicted to live into their 90’s and beyond. We don’t know what the future tax rates will be for us or our children and grandchildren. Tax Volatility becomes worse with longevity since the longer we continue to live, the more taxes we have to pay.

3. Market Volatility. Tax Volatility causes Market Volatility because retirees need higher stock market distributions to cover their living expenses (again, after Uncle Sam takes his cut). This places more pressure on the market to perform. When more money leaves the market and fewer consumers are consuming, companies are less profitable. This results in lower market rates.

This past week, I met with Tom and Brenda. They couldn’t decide whether to take distributions from their IRAs and defer their Social Security or to take their Social Security and defer their IRA distributions. Regardless of their choice, their danger is that they will pay two times more tax if they don’t get the order of timing and distribution correct. The time to do this Retirement Income Planning couldn’t be more important.

This coming Tuesday, I will be teaching my Wealth Protection Webinar. During this no-cost, no-obligation educational event, I will be teaching one strategy that eliminates all three of these volatilities. This strategy avoids having your money taxed when you use it and avoids tax on your money when you leave it. There are no Required Minimum Distributions (RMDs), it doesn’t tax your Social Security and there’s no tax to your children or grandchildren.

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 will allow you to eliminate the volatilities that will wreck your retirement.

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

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