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Thursday, April 22, 2021

Creating Tax-free Multi-generational WealthCreating Tax-free Multi-generational WealthPreparing for retirement is filled with assumptions and “what ifs.” As you try to come up with that magical number you need in the future...

Thursday, February 4, 2021

When to claim your social security benefits is a strategic and vital consideration. Unfortunately, the good folks at your local social security administration office are likely to be of little help. Not only are they not trained in...

Monday, February 1, 2021

In the previous three parts, we’ve espoused the potential benefits of a properly structured Life Insurance Retirement Plan (LIRP) within a well-rounded tax-free retirement strategy. Here in Part 4, let’s get down to some...

Sunday, January 10, 2021

In Part 1, we discussed the different types of LIRPs and their basic setup. In Part 2, we discussed some typical engines (crediting strategies) within many LIRPs and how they might interact with market indexes. Here in Part 3,...

Saturday, January 9, 2021

Let's jump right into Part 2 of this 4 part blog post on utilizing a LIRP as part of a tax-free retirement by discussing various engines or crediting strategies that LIRPs can use to potentially grow your money. The Engines (Crediting...

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Friday, January 8, 2021

In jumping into this topic, we are going to presume that you have read several of our other blog posts on retirement planning, such as The Tax Columns, How Much Does My 401K Save Me In Taxes, How Much Will My Social Security Be Taxed,...

Monday, January 4, 2021

If the first 3 parts of this post disturbed you, we get it. So, what should we do? What if Ryan and Jen decided to forgo the upfront "tax-savings" (or, forgo creating a tax tumor) by using an after-tax retirement vehicle, like a Roth...

Wednesday, December 30, 2020

We think you’re with us a far as how things breakdown, so we’re going to continue this example in summary form, as we did in Part 2. Example 3: John and Erin Time horizon until retirement: 12 years Annual amount to save:...

Tuesday, December 22, 2020

In Part 1, we put forth an example of the full equation of saving for retirement with our example couple, Ryan and Jen. We saw that all the tax-savings they achieved by saving for retirement in a pre-tax manner (through a 401K) are...

Wednesday, December 16, 2020

How Much Does My 401K Save Me In Taxes? We're glad you asked. Our focus at Axios Capital Strategies is tax-free retirement income. While we employ many strategies, tax-free planning is our core competency. To the greatest extent...

Wednesday, December 9, 2020

Potential Equity Style Returns with Less Risk and Volatility Much has been said about the wisdom of utilizing index portfolios/funds (whether mutual funds or ETFs) rather than managed portfolios due to the former’s lesser costs...

Friday, December 4, 2020

In part 1, we discussed the pros and cons of The Taxable Column. In part 2, a lengthy discussion was had for the same regarding The Tax-deferred Column. Finally, we come to the third category of financial vehicles called The...

Wednesday, December 2, 2020

In Part 1, we discussed the Taxable Column and how taxes every year (or every time you realize a gain) can have a devastating effect on your long-term accumulation prospects, such as retirement planning. Because of this, the...

Tuesday, December 1, 2020

Aquestion often asked is, “How will taxes affect my financial accounts and retirement?” Not surprisingly, they have a huge impact on the growth and distribution (income) of your retirement. All financial...

Sunday, November 29, 2020

Imagine paying taxes on 85% of your social security income at your highest marginal tax bracket. This is not a post on the financial condition of the social security program, or how to fix the crippling deficits that it will soon face...

Saturday, November 28, 2020

Average Return vs. Actual Returns How many times have you looked at the average returns for a mutual fund or ETF (exchange traded fund), or perhaps a money manager? You know how it goes: you are shown the 1-year, 3-year, 5-year,...

Saturday, November 28, 2020

The Coronavirus pandemic has affected us all in ways that we didn’t anticipate at the start of the year, especially when it comes to our finances. And unfortunately, just as federal emergency benefits are starting to run out,...