Do You Want to Retire
Well-Off & Live Comfortably?

IF SO, YOU MUST MANAGE YOUR DEBT & TAXES

 

Discover Debt Free 4 Life™ & Tax Smart 4 Life™

Our society has a massive debt problem and this is why…

Today, simultaneously,

  • credit card debt
  • student loan debt
  • mortgage debt

are at all-time historical highs.

At exactly the same time, our government has a debt problem of its own that many believe will result in significant future tax rate increases.

 

Our mission is to help people like you in Cincinnati Ohio who want to rid themselves of debt in a manner that seeks the lowest effective interest cost, eliminates their debt and creates capital so future debt is never needed using our Debt Free 4 Life™ approach.

What We Are Not

Debt Free 4 Life™ is not:

  • A refinance which resets debt.
  • Nor is it a questionable debt consolidation loan, because these typically extend the debt or suppresses interest for a short period, after which the interest rate skyrockets.

 

What is Debt Free 4 Life™ and Tax Smart 4 Life™?

Debt Free 4 Life™

Debt Free 4 Life™ is a mathematical method using a non-traditional debt snowball approach. Snowballing is a popular method for paying off your lowest balance loan first and then “snowballing” that payment from your paid off loan into your next debt and continuing this pattern until all of your debts are paid in full.

Debt Free 4 Life™ uses a similar approach but adds the important component of constantly compounding interest to your plan which is critical to remaining Debt Free 4 Life™ and building future net worth.

As debts are eliminated, your net worth naturally increases, as the financial burden of debt is reduced taxable scenarios present themselves as you accumulate capital. This accumulated capital will serve as future retirement assets to help you through your retirement years and as a source of funds for future major purchases.

Tax Smart 4 Life™

The Tax Smart 4 Life™ approach helps you lower your lifetime effective tax cost through tax awareness. A tax aware approach adds a layer of diversification often missed in traditional financial planning.

Debt Free 4 Life™

Debt Free 4 Life™ is a mathematical method using a non-traditional debt snowball approach. Snowballing is a popular method for paying off your lowest balance loan first and then “snowballing” that payment from your paid off loan into your next debt and continuing this pattern until all of your debts are paid in full.

Debt Free 4 Life™ uses a similar approach but adds the important component of constantly compounding interest to your plan which is critical to remaining Debt Free 4 Life™ and building future net worth.

As debts are eliminated, your net worth naturally increases, as the financial burden of debt is reduced taxable scenarios present themselves as you accumulate capital. This accumulated capital will serve as future retirement assets to help you through your retirement years and as a source of funds for future major purchases.

Tax Smart 4 Life™

The Tax Smart 4 Life™ approach helps you lower your lifetime effective tax cost through tax awareness. A tax aware approach adds a layer of diversification often missed in traditional financial planning.

are you ready to get rid of your debt AND stay debt free 4 Life™?

Do You Want to Become More Tax Aware AND Be Tax Smart 4 Life™?

Get Rid of Your Debt
AND stay debt free 4 life™

What you’ll learn…

  • How a 4% fixed rate 30-year mortgage can initially cost you over 69% interest.

  • How your bills may be costing you over 30% interest cost on next month’s payments.

  • How a “snowball” approach to eliminating debts, done in a unique way, can help you become Debt Free 4 Life™!

debt calculator

BE MORE TAX AWARE
AND BE TAX SMART 4 life™

What you’ll learn…

  • How 401k plans shift responsibility onto you, the employee, and the tax costs from your 401k you’ll need to cover in your retirement.

  • The impact of taxation on your retirement and the income you can safely withdraw from your retirement accounts.

  • What SMART, the Strategic Movement Around Retirement Taxation®, may contribute to your retirement.

tax calculator

Got Questions?
Get in Touch.

Investment Advisory Services offered through Retirement Wealth Advisors, Inc. (RWA) an SEC Registered Investment Advisor. Smart Retirement 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, 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 Smart Retirement 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 references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer, in any way to securities or investment advisory products or services. 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, Inc.

© 2020. SMART Advisor Network. All rights reserved.