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The Power of Zero

The Power of Zero financial philosophy is developed by David McKnight. His financial acumen has been felt worldwide. To learn more about him, his team and additional resources I encourage you to visit his website by clicking here or on the hourglass to the left.

Your 3 Investment Buckets

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Retiring in the 21st Century Tax Rate Risk Retirement Distribution Planning Estate Planning Maximizing Social Security Mitigating Market Loss Retirement Planning Pitfalls Long-Term Care Planning

Chances are, your retirement looks and feels vastly different the the generation before you. As a result, your approach to retirement planning process must change. Our process begins by exploring an updated approach to retirement planning accounting for all the challenges and pitfalls unique to the rapidly changing world in which we now live.

The old retirement paradigm vs. the new paradigm
How to create a clear vision for retirement
Creating a retirement road map
Keys to transitioning to retirement

Some experts suggest tax rates may rise dramatically in order to keep Social Security and Medicare solvent. If you are like most Americans, you have saved the lion’s share of your retirement in tax-deferred accounts such as a 401k or IRA. If tax rates increase, how much of your hard-earned money will you be able to keep? Together we consider strategies you can implement that could help insulate your assets from the impact of possible tax hikes.

Why experts say tax rates could double
How rising taxes may affect your retirement cash flow
The “Catch 22” of 401k’s and IRA’s
How lost deductions may affect your taxes in retirement

There is a lot of static in the media and on the internet about how to best save for retirement. As your trusted voice for retirement we discuss three basic types of investment accounts (Taxable, Tax Deferred, Non-Taxable) and how to use them to maximize cash flow in retirement. We advise you on how to position your savings so as to minimize taxes and maximize cash flow in retirement.

Three basic retirement accounts
How to accumulate dollars in the right types of accounts for retirement
What is better for you: Tax-differed or tax-advantaged accounts?
How to define a “true” tax-advantaged investment
How 401k’s and IRA’s can cause Social Security taxation
Strategies to reduce or eliminate taxes in retirement

Because of its importance we integrate estate planning, making sure your assets are distributed as you wish – both now and after you are gone. We will discuss strategies and techniques to reduce or eliminate estate taxes, delays and legal challenges following your death. We will also tackle estate planning strategies addressing your wishes in an instance where you become incapacitated due to illness or injury. Finally, we will investigate the benefits of using a trust versus a Last Will & Testament when determining how to best transfer your assets.

Planning for Incapacity
Reducing Estate Taxes
A Last Will & Testament vs. a Trust
Types of Trusts
Probate (how it works and circumstances to avoid it)
Asset Gifting
Transferring Property at Death

Some pre-retirees are not aware Social Security can be taxed. We will discuss the impact of Social Security taxation on your retirement. We will look at IRS thresholds for taxation and discuss strategies you can implement to receive Social Security free from tax.

The causes of Social Security taxation
The Social Security thresholds
The real cost of Social Security taxation
Strategies to eliminate Social Security taxation
Social Security maximization strategies

The investment strategies responsible for getting you to this point in your life may not necessarily be the ones to see you safely through retirement. We analyze the current risks in your investment portfolio and strategize ways to navigate through retirement. Together we build a strategy to increase the likelihood you will not outlive your retirement assets.

The impact of dramatic market loss in retirement
How to mitigate two types of investment risk
Why “asset allocation” alone may not be enough
How to truly diversify your retirement portfolio

How much money can you safely take out of your retirement accounts without risking running out of money?
Does the order in which you withdraw your various assets in retirement matter?
What happens if you experience market loss while taking distributions?

We discuss all of these retirement pitfalls and outlines strategies and solutions designed to create more certainty and predictability in your retirement plan.

How the new rules on “Rate of Withdrawal” affect you
How to ensure you won’t run out of money in retirement
How to liquidate your retirement assets in the right order
How to eliminate “sequence of returns” risk

We will cover the rules governing Medicaid’s asset spend-down in the event you should need long-term care. Additionally, we will consider the four most common strategies used to mitigate long-term care risk. Finally, we will help you assess which long-term care planning strategy is best suited for your particular situation.

How a long-term care event may affect your retirement
Medicaid spend-down rules
Community spouse rules
The 4 common alternatives to pay for long-term care
Recent innovations in long-term care planning

Derived from David McKnight’s historically based financial philosophy… click on the movie poster to register and view the full length movie for FREE

David McKnight is a highly regarded speaker whose workshop The Power of Zero has been seen by thousands of Americans across the country. He has made frequent appearances on Bloomberg Radio, The New York Times, CNBC, Yahoo! Finance, Nasdaq.com, Reuters, Investor’s Business Daily and numerous other national publications. Most recently David was a main platform speaker at Forum 400, an annual gathering of the top 1% of financial advisors in the country. In the summer of 2014, he was a Focus Speaker at the annual world-wide meeting of the Million Dollar Round Table in Toronto, Canada.

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The Power of Zero

Your 3 Investment Buckets

Derived from David McKnight’s historically based financial philosophy… click on the movie poster to register and view the full length movie for FREE

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