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SMART Retirement: 
The Strategic Movement Around Retirement Taxation 
by Matt Zagula

SMART is the Strategic Movement Around Retirement Taxation® and its goal is to limit your postretirement taxation―not your income.

Inside, you’ll learn:

• How to use tax awareness to increase your net retirement income without adding risk.
• Ways to reduce the amount of money you give the IRS during your retirement.
• How Warren Buffett continues to grow his wealth through an actuarial concept called float and how you can integrate a similar approach in your personal finances.
• The three dates that forever changed the face and future of the American retirement system and how to use this knowledge to better protect your money.
• Why rate of return is a half-truth and how you can enhance your net returns by lowering your effective tax cost.
•The banker’s best math trick and how to stop it from costing you a comfortable retirement.

Are you ready to get SMART about your retirement? By integrating these techniques into your existing financial plan, you can secure a better financial future for you and your loved ones for generations to come.

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ADDRESS

2415 Owen Rd, Suite A

Fenton, MI 48430

CONTACT

Tel: 810 579 5808

Email:  hello@yourfds.com

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Investment Advisory Services offered through Retirement Wealth Advisors, LLC (RWA) an SEC Registered Investment Advisor. Financial Design Strategies, DBA Partners for Prosperity and Gina C Wells Financial Services, are not affiliated with RWA. 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 Financial Design Strategies 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, LLC. Million Dollar Round Table (“MDRT”) is a membership organization. Qualifying criteria for membership includes attaining specified levels of commissions earned, premiums paid or income earned on the sale of insurance and other financial products. MDRT membership requirements include the payment of annual dues, compliance with ethical standards, and maintaining good standing with an MDRT-approved professional association. The MDRT logo and/or trademarks are property of their respective owners and no endorsement of Gina Wells or Advanced Capital Group is stated or implied. MDRT and Retirement Wealth Advisors, LLC (RWA) are not affiliated.

For the detailed requirements of MDRT, please visit: https://www.mdrt.org/membership/requirements/

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