FINANCIAL PROCESSES

Tax-Free Roth Conversion

If you have a large amount of money in qualified plans, e.g. IRA's, 401(k), 403(b), Deferred Compensation, etc.., you do not have control of your money. Uncle Sam does because he controls tax rates. He can increase taxes to any rate he wants, any time he wants. The highest tax rate in the U.S. topped out at 94%. Hopefully we never get back to those levels but we have been there before, and with the Baby Boomers retiring and now instead of paying Social Security and Medicare taxes, they are now wanting their Social Security and Medicare payments. We show you how to convert your qualified plans to Roth IRA's where you do not need to pay the conversion tax. Now, you contributed your money tax-deferred to a qualified plan, converted your money into a Roth tax-free, and then your money grows and is withdrawn tax-free - all condoned by the U.S. Tax Code.

Retirement Contribution Processes

The financial process you use to fund your retirement will dictate if you have control of your money.  An IRA, a 401(k), and other qualified plans cause you to lose control of your money because Uncle Sam can raise tax rates to any amount he wants, and whenever he wants.   We will show you a fianancial process where you can save for retirement and keep control of your money.   

Mortgage Acceleration

Many people overpay their mortgage each month to pay off their mortgage fast.  With the same cash flow, we will show you a way to pay off your mortgage even faster and keep control of your money.  

Retirement Withdrawal Order

When you retire, the order that you withdrawal money from your various accounts will have a big impact on how long your money lasts in retirement.   One needs to take into account different tax treatment, e.g. an IRA, or a Roth, etc., the rate of return, the sequence of returns risk, and run an algorithm to ensure you optimize your withdrawal process.  This can impact your account by thousands or tens of thousands of dollars.

College Cost Reduction 

Almost any family of any income can engage in financial processes than help Reduce Your College Costs.   We have a subsidiary named College Cash Solutions devoted solely to help you reduce your college costs.  Click Here to find out more.  

Investments

We have been in an extended low growth / high volatility period.  In such an era major economists state buy and hold (hope) is a frustrating strategy.  We believe there is a better way.  We employ strong automated downside protection strategies so when the market goes down our goal is to minimize your account dropping with the market.   We believe you will be impressed once you see our results. 

Asset Protection 

Having an Umbrella policy is sound and responsible, but in many ways it puts a larger target on your back to creditors and predators.   There are process to protect your assets, home, savings, etc., from predators, creditors and court judgments.   

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© 2016 by Sipos Financial & Insurance Services

 

Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor.  Sipos Financial & Insurance Services and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

 

This information is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Sipos Financial & Insurance Services and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

 

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.