Smart Tax Strategies

Focus on Reducing Taxes

Because taxes are such a damaging destroyer of wealth, Heafner Financial will review the most appropriate smart reduction tax strategies with you.

We believe it is our job, not your CPA’s, to protect you from the big “tax-ectomy” by the IRS. To that end, Jim is an Ed Slott Master Elite IRA Advisor, A member of the American Tax Planning Institute and Tax Law Solutions.

You may be a business owner who, after years of struggling and sacrifice, finally succeeds, earning the income you always wanted. Let’s say you’re now earning $1 million a year. Your plan is to spend $200,000 a year and save the rest because you only have ten years until retirement. Your retirement dreams are squashed when you realize the IRS wants $500,000 in income taxes each year.

Now, after spending $200,000 and paying the IRS $500,000, you can only save $300,000 per year, not $800,000! We know this situation well. The IRS tax code allows you to shield it all from retirement taxes — if you know the tax codes. We do!

Retire Tax Free

Learn the different ways you can extremely reduce your tax expenses in retirement by requesting a copy of Jim’s eBook, Retire Tax Free. We review the most appropriate tax strategies with you during our no cost, no obligation financial reviews because we know that taxes pose a threat to the wealth you’ve worked so hard to build.

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Estate Tax Planning

Like a number of our clients, your goal may be to maximize your assets for your heirs or beneficiaries.

That may be a bigger priority for you than having sufficient income or reserves for your retirement, either because of your dedication to your family or because you’re confident that your money will outlive you.

The beneficiaries of your assets may only be family or may include charitable, religious, or educational institutions. In order to maximize your wealth to your beneficiaries, it is critical that you minimize your two biggest threats: income taxes and estate taxes.

By doing so, you leave more to your family and charity and less to the IRS. An appropriate goal would be to move your money from “taxable” money to “income and estate tax-free” money.