RETIREMENT

Most Americans use qualified plans 401k, 403b, 457 and IRA to prepare for retirement.  These plans effectively postpone the tax and postpone the tax calculation.  Would you prefer to have less cash flow and pay more tax at retirement or:

  • More cash flow and pay less tax
  • No 59 ½ rule and No 70 ½ rule
  • Tax efficient transfer to your heirs
  • Liquidly, Use and Control of your money
At Peoples Choice Wealth Solutions, we provide strategies that minimize taxation on dollars placed into your savings and/or investment accounts. 

We show you how to gain access to retirement income at any age, for any reason, with no taxes or penalties.  Is that what you want?  The above mentioned qualified plans effectively postpone the tax, that you choose not to pay today, when you have deductions, to a later retirement date.

But at what tax rate or tax bracket will you be in at retirement?  Your children are gone and your house is paid in full.  That's right, you're retired with NO TAX DEDUCTIONS and Uncle Sam has changed the tax brackets. 

Will your taxes be higher or lower in the future?  If you are in a higher bracket today and postpone the tax to a future lower bracket you come out ahead.  But, if you consider your current tax bracket, the possibility of increased taxation and fewer tax deductions at retirement, you may want to consider other options.

MORE CASH, LESS TAX AT RETIREMENT

How do you buy, borrow and pay for your major capital purchases?

At Peoples Choice, our value proposition is to help people gain access to retirement income at any age, for any reason, with no taxes and no penalties.