You’re Doing It Wrong

To: YOU

Subject: You Are the Revenue Engine Funding Wall Street, the Financial Services Industry, and the IRS

Let’s be blunt. Traditional financial planning is flawed, reckless, and often borderline fraudulent. And here’s the kicker—I can prove it mathematically and legislatively.

Wall Street and Congress thrive off the ignorance of the masses. They’re raking in trillions from fee-based accounts while leveraging your qualified retirement money as their accounts receivable. With trillions of untaxed dollars sitting in retirement accounts, Congress can overspend and bail itself out later by raising taxes—on your money.

Here’s the harsh truth: Unless you are retiring this year, you have no idea what tax rate you’ll pay on your 401(k) or IRA distributions. If you plan to make more money in the future (or are forced to), and tax brackets rise—which is likely—your taxable retirement accounts will take a bigger hit. Yet, despite this uncertainty, you’ve been told to “take control of your retirement” by deferring your tax bill.

Who benefits from this?

  • Wall Street, which collects 1-3% annually in fees.

  • Congress, which locks in future tax revenue.

The Retail Portfolio (This Is Probably You)

Your current portfolio likely consists of some combination of:

  • IRAs

  • 401(k)s

  • Brokerage accounts

  • Pensions

  • Real estate

  • Social Security

Here’s what you may not realize:

  • IRA and 401(k) distributions are taxed as ordinary income.

  • Brokerage account earnings may be hit with capital gains taxes (short-term gains could even be taxed as ordinary income).

  • Pension payments? Taxed as income.

  • Rental income? Taxed as income.

  • Real estate appreciation? Taxed as short- or long-term capital gains.

And here’s the kicker: If your income from these sources crosses a certain threshold in retirement, the IRS can double-tax up to 85% of your Social Security as ordinary income.

Now, think about the future. If tax rates go up—and you believe they will—what happens to the real value of your retirement?

The Ideal Portfolio

The Ideal Portfolio works differently. It strategically leverages various assets and tax codes to reduce—or even eliminate—your future tax liability. This type of portfolio may allow you to:

  • Avoid taxes altogether on certain retirement distributions.

  • Eliminate Social Security taxes by keeping your income below the provisional threshold.

By avoiding unnecessary market volatility, excessive advisory fees, and the IRS, we can significantly increase your retirement income—without requiring you to save more.

This isn’t a new strategy. It’s been used for decades by large banks, corporations, and wealthy individuals. You’ve probably heard it referred to as:

  • Golden parachutes

  • Executive compensation plans

  • OPEB (Other Post-Employment Benefits)

These strategies allow the wealthy to minimize or eliminate their tax burden. Ask yourself: What are they doing with their money that I’m not? Chances are, they’re using tax-efficient strategies like The Ideal Portfolio.

A Growing Movement

I’ve started a movement to educate working Americans about these strategies. For too long, they’ve been stuck footing the tax bill for reckless government spending.

Ask yourself:

  • What tax bracket will you be in during retirement?

  • How much will you pay in federal and state taxes?

  • What are you paying in fees right now?

Our movement is small but growing quickly. We’re working one-on-one with individuals like you—and we’re building the capability to scale our message nationwide.

Ready to Learn the Truth?

I want to teach you these strategies now. My firm can help you understand what they don’t want you to know.

Is there a better way? You better believe it.