SMART actually stands for Strategic Movement Around Retirement Taxation.Taxes in an IRA are like a cancerous tumor. They continue to grow all your life, they spread to other areas like social security and inheritance. Like all cancers, the earlier they're removed, the better the outcome. We educate people on the enormity of the taxes that will be generated by their IRA, then build out a strategy to minimize the tax burden as efficiently as possible. No fees, no out of pocket, no risk, no interference with your relationship with your current advisor.https://ln2.sync.com/dl/647e6e200/gzztesk5-sc83gjbe-s9nmr6iw-9upvpeyzDebt keeps too many people from ever saving for retirement, buying that house, reaching goals. We educate clients, on the truth about interest rates and how compound interest is working against them. Then we build out a plan to eliminate debt sooner and with less interest than what they're doing now, and stay debt free for life. No fees, no risk.https://ln2.sync.com/dl/e965cde80/h8vucjcg-cvvbshes-637d886q-26tamhzf

"I am more concerned with the return OF my money than I am with the return ON my money."​Will Rogers "The only thing that might be worse than dying young is outliving one’s money."​Norm Falick Retirement Is About Income addresses retirement risks specific to the following groups: -Under 50, GenXers, Millenials, more than 15 years til retirement -Baby Boomers or 50-retired -Already retiredSaving for retirement is about return on investment, which implies accepting a certain amount of risk in order to grow. However, RETIREMENT IS ABOUT INCOME, i.e. converting those investments into an income stream that will last as long as you do.Those investment risks are far greater in retirement because you're no longer working and adding to your savings, money is continually coming out to pay for your lifestyle, and time is not on your side, unless going back to work is a desirable option.At Retirement Is About Income, we recognize this distinction and address the following risks:Taxation Risk Given our current low tax bracket environment, it is quite probable you will be paying taxes on your qualified account distributions at a higher rate than the tax savings you're currently receiving on today's deposits. With a minimum of 10-15 years til retirement, we can set up a plan for tax-free lifetime income.Market Sequence Risk Fact: The market will go down when you are retired. The questions are when, how much, and for how long. No one knows. We have plans for guaranteed income to protect against such disruptions in your retirement income, and to ensure you never run out of money. Long Term Care Risk The single biggest risk to a secure retirement is a long term care event, which is simply needing help due to aging. We tailor plans to fit your budget, risk tolerance, and long term goals.

How's this for a new definition of insanity? I get into the passenger seat of a high performance sports car on a real race track, like Mid Ohio Race Course, with someone who may have never been to the track before, and I coach them to drive as fast as humanly possible. Hopefully, they're more scared than I am.