Special Automotive Worker Event

Retirement Tax Time BOMB...Will You Defuse Yours?

Walsh College

3838 Livernois Rd, Troy, MI 48083

5th
Dec.

Thursday
6:30pm

Register Now

From Roth IRA's to Required Minimum Distribution: Reduce Your 2025 Taxes and Beyond. 

Without a well-crafted tax strategy, your retirement savings could face a significant threat: "The Retirement Tax Time Bomb.”

This financial pitfall occurs when deferred taxes on your 401(k)s, Traditional IRAs, and other accounts come due, potentially forcing you to pay more to Uncle Sam than you ever anticipated. Required Minimum Distributions (RMDs) play a key role in triggering this issue, often pushing retirees into higher tax brackets and eroding their hard-earned savings.

Fortunately, with the right knowledge, you can defuse this time bomb. Strategies like Backdoor Roth Conversions can offer a tax-efficient way to reposition your retirement savings while reducing future tax liabilities. Additionally, understanding the differences between Roth IRAs, Traditional IRAs, and 401(k)s can help you make smarter decisions about when and how to access your funds without unnecessary tax consequences.

Join us at Walsh College and discover how our Three Worlds of Money strategy can help you take proactive steps that will shield your wealth from excessive taxation and ensure your retirement savings last as long as you do.  

Your retirement lifestyle could depend on making the right decisions now.

Topics To Be Covered:

Understanding Tax Free Accounts 

  • Benefits of a Roth IRA for tax-free retirement income.
  • Key differences between Roth IRA's, traditional IRA's, 401(k)s. 
  • Tax implication of these accounts and how to benefit from them
  • What are RMD's and the tax impact they have on traditional accounts.

Tax Strategies and Tools

  • How higher earners or retirees use backdoor Roth conversions.
  • Best practices when converting Traditional accounts to a Roth IRA and how to avoid tax headaches. 

Contribution Rules and Legacy Benefits 

  • Are you eligible for increased contribution limits?
  • How Roth accounts can help you leave a tax-free legacy for your heirs. 

Understanding The Three Worlds of Money

  • The Three Worlds: Potential, Protection, and Hybrid.
  • The Three Phases: Accumulation, Preservation, Distribution.
  • Comprehensive Planning Solutions vs Traditional Fiduciary Standards. 
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Did You Know?

  • Failing to take your Required Minimum Distributions (RMDs) on time can result in a penalty of up to 50% of the amount you were required to withdraw?
  • Mismanaging your retirement withdrawals can result in unnecessary taxes on capital gains, dividends, and even healthcare costs through higher Medicare premiums?

What Makes Safe Money Mindset Workshops Unique

The Safe Money Mindset represents a crucial evolution in retirement planning education. 

The focus on "Safe Money" highlights the importance of protecting your assets as you approach retirement and throughout your legacy. Instead of pursuing high-risk investments, the emphasis is on securing a stable retirement by preserving the wealth you've worked hard to accumulate.

The "Mindset" component encourages a shift in how you think about and approach retirement planning. While the concept of safe money is widely recognized, many fail to implement it effectively, often taking unnecessary risks in search of higher returns and postponing critical decisions that can have lasting consequences.

AS Seen On TV

Delivering Retirement Education To Over 30,000 Every Weekend

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Receive Our Safe Money Mindset Book 

All Attendees Receive A Free 170 Page Copy!

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Meet Your Presenter

Jeff Perry
Safe Money Mindset Educator

After 10 years of service in the U.S. Navy and 12 years in a corporate position, Jeff transitioned to the financial industry with a passion for helping people understand and navigate the complexities of financial planning. He excels at simplifying the conversation around retirement solutions, making it easier for individuals to achieve financial security and peace of mind in their retirement years.

Jeff Perry
Safe Money Mindset Educator

Partner, Quest Commonwealth
Author, Safe Money Mindset
Co-Host, Safe Money Mindset TV Show

Limited Seating Claim Your Spot Now! 


Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company.

The information is not intended to be investment, legal or tax advice. The agent can provide information, but not advice related to social security benefits. The agent may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. For more information, contact the Social Security Administration office, or visit www.ssa.gov.

Copyright © 2023 Quest Commonwealth. All Rights Reserved.

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