Why Does Retirement PLANNING SEEM So Complicated?
Chances are you’ve probably already talked to friends, family, co-workers and maybe a few professional Advisers about what to do.
Maybe you’ve started doing research online or read some articles or books…
Indeed, if you were to talk to 50 different people you would receive 50 different ideas on how to plan for retirement.
This can be very confusing.
The reality is, that according to Math and Science, there is only One Way to achieve an optimal retirement.
OUR APPROACH: oPTIMAL rETIREMENT Planning®
Optimal – It will be the “best” more often than not and will never be the worst.
99.9% of Economists and PhD Professors who study Retirement and Retirement Income AGREE that a retirement plan built on math and scientific principles
will optimize the retirement.
I have adapted these principles and developed
Optimal Retirement Planning®
OUR APPROACH: OPTIMAL RETIREMENT®
“A Scientific Retirement can provide up to 250% more income than Wall Street's now defunct 4% rule!”
~ Wade Pfau, Ph.D., Professor of Retirement Income
at The American College of Financial Services and Director of Retirement Research at McLean Asset Management
Advisory team
- David Hyden, CFF®, NSSA® – Retirement Income, Tax & Decumulation Specialist
- James (Jay) Beattey - Roth Conversion Strategist/Million Dollar Miner
- Michael McIntyre - CPA/Attorney/Deferred Sales Trust (DST) Specialist
- Joe Mastriano - CPA/Tax Strategist
- Dr. Steven Demko - Trustee/Deferred Sales Trust Specialist
- Doreen Patrick - Marketing & Admin.
- Mark Frost, PHD – Chief Economist
- Kevin Suber, PHD – Professor of Banking & Financial Services
- Plus a Team of Estate & Trust Attorneys, Trustees, Case Design and Other Specialists
a personal note from david hyden
True Story
I was meeting recently with a couple in their early 60's. They had managed to save almost $2 million and were preparing to retire in the next two years. They were deeply concerned about protecting their life savings from excessive market volatility and rising inflation. Most of all they were worried about taxes in retirement. They explained how they believed taxes would have to rise in the future and how that would affect them. They had asked their investment adviser for help minimizing taxes in retirement. He told them, "We don't do that. You need to talk to a tax adviser."
I shared with them that in my experience this is the case with the majority of Investment Advisers. Most Investment Advisers, if they offer any help with mitigating taxes, are only concerned with current tax rates...without any regard for future tax liability or how to minimize taxes in retirement.
We then discussed how CPAs are focused on doing tax returns - looking at the Past and Present, but not the Future. I explained that Tax Strategies are an aspect of retirement planning that we had been helping clients with for many years.
After all, where can you go to get help with tax planning in retirement? Truth is that most folks don’t know where to get help with tax planning in retirement. More than that many pre retirees don’t realize what the various tax traps are and how they will affect their retirement.
Thank you for visiting our site, and for your consideration.
"The best time to plant a tree was 20 years ago. The second-best time is now."
Chinese Proverb