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retirement risk

In this week’s Hidden Wealth Review, I teach that there is a major resurgence in the number one retirement risk — taxes. This resurgence centers around the coronavirus, November’s election and the additional economic stimulus packages.

We hear from many Baby Boomers and retirees who have saved $300,000 or more, usually in tax-deferred accounts such as 401(k)s and IRAs. They are very concerned about another coronavirus stock market crash or major correction. But, the number one concern we hear from Baby Boomers and retirees is the uncertainty of taxes. With tax day just last week, many of the people we talk to have grown overly concerned about the coming tidal wave of higher taxes.

Learn how our clients, Tim and Nileen eliminated retirement tax risk. Between them they’ve saved nearly a million dollars towards retirement. This money was in 401(k)s and 403(b)s. They thought their retirement horizon was between five to ten years. Their ideal retirement goal was four to five years, if they could remove the threat of higher tax risk in retirement.

Ted and Nileen’s retirement goals were:

  • Avoid reducing their retirement lifestyle or working part time in retirement in order to compensate for higher taxes.
  • Remove inheritance tax to their two daughters.

We taught Ted and Nileen how to be tax-free retirees. They were unaware that their IRA and 403(b) withdrawals were going to result in 85% of their Social Security being taxed and that they would be pushed into a higher marginal tax bracket. This was going to cost them an extra $30,000 a year, at today’s tax rates!

Once they learned how to avoid unnecessary taxes, they were able to put that $30,000 ($2,500 per month) back into their pocket instead of Uncle Sam’s. They created a $40,000 a year, tax-free retirement income with no Required Minimum Distributions and no inheritance tax to their daughters.

Ted and Nileen learned the tax risk road on which they were traveling. Then, they rerouted themselves to avoid those tax risks, created a $40,000 tax-free annual retirement income and saved $30,000 in government “gotchas”. This put them on the retirement road faster.

Whether you’re trying to get to retirement or to better get through retirement, go to and request a Saving Tax Optimization Plan (S.T.O.P.) Analysis. When you request your analysis, you’ll receive my retirement guide, Retirement and Your Taxes, How to Get the IRS Out of Your IRAs and Remove Uncle Sam from Your Children’s Inheritance. This informative guide will help you learn the advantages of the Tax Cuts and Jobs Act and the SECURE Act. Learning about the SECURE Act will prevent your children and grandchildren from inheriting a tax bill instead of the money you meant to leave to them.

If you’ve saved at least $300,000 in tax-deferred accounts such as 401(k)s or IRAs, the time to save taxes on your money is now. Your S.T.O.P. Analysis will teach you the tax risk road on which you’re traveling so that you can re-route yourself around the resurgence of taxes in retirement. Don’t worry, there’s no sales pitch and no fine print. Just common sense solutions where you’re in charge.

You’ve worked hard for your money. We’ll work even harder to protect it from resurging taxes. Learn how you can be a tax-free retiree.

To request your S.T.O.P. Analysis, follow these four simple steps:

  1. Go to
  2. Watch our “Tax-Free Lifetime Income” introduction video.
  3. Enter your information thoroughly – make sure to double check.
  4. Submit the form & prepare to answer our call at the time requested.

When requesting your S.T.O.P. Analysis, please be specific as to the exact day and time that you wish to be contacted. Please be sure to give your best telephone number where you can be reached on the specific day between 10:00 AM and 6:00 PM Eastern Time. Please be specific and please don’t list “anytime” as your desired time to be reached. We are only able to reach those who are specific about their time to be reached.

Let me leave you with one final thought. If there was a way that you could reduce or eliminate unnecessary taxes in retirement, when would you want to learn about it? Imagine, more money and less taxes.

Note: We serve Boomers and Retirees all over the Unites States. We have an efficient, supported process to meet online, as have been doing for over 20 years. Our online meetings are private, the access is restricted and we never share our meeting link with anyone who’s not a part of the meeting.

Chuck Oliver
Wealth Strategist | Best-Selling Author
We help Baby Boomers and Retirees thrive in retirement through a clear retirement road map that provides market correction and tax protection to optimize income and assets!

optimied grandparents with grands scaled


Request your Saving Tax Optimization Plan (S.T.O.P) Analysis & receive our time sensitive, easy to read, 2020 Retirement & Your Taxes Guide.