You could be losing over $70k while earning a 6% average ROR!

It’s not that you can’t earn a higher rate of return or that you can’t defer taxes and pay them later.  In fact, it’s not even about market risk or how much you make.  It’s all about the fact that YOU Deserve Better!

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You’ve been told you can earn a 6.47% rate of return on a $100,000 annual investment over the next 4 years.  And so, over the next 4 years you watch your $400,000 investment:

• Earn 32.39% the first year ($132,390)
• Gain 16% the second year ($269,572)
• Gain 15.06% the third year ($425,230)
• Lose 37.58% the fourth year ($327,849)

Great you’ve earned an 6.47% average rate of return, but you’ve lost $72,151!  The lost money is bad enough, but the lost time can never be recovered. Your actual rate of return is really a negative. It’s -7.8%.  YOU Deserve Better.

It is important for you to realize that interest earned is always more valuable than interest saved.  Look at it this way.  If you owe $20,000 at 12% and you pay the minimum payment on that debt, the total cost of that debt payoff will be $52,852 over the next 20 years!  But you could have kept most of the extra over $30,000 that you paid on this debt if you’d ever been shown how.  YOU Deserve Better.

You’ve been told that deferring taxes is the best thing you can do to save money. But did you know that contributing $5,500 a year over the course of 31 years, while you are working, will only defer $42,625 of income taxes if you are in a 25% tax bracket?

And when the time comes that the government forces you to take your Required Minimal Distributions (RMDs) from that tax deferred account, you will end up paying $46,208 in income taxes over 10 short years. YOU Deserve Better because

• That $46,208 is $3,583 more taxes than you ever deferred!

Surprisingly, if you live for 20 years after you begin taking Required Minimum Distributions (RMDs), your total income tax liability could climb to $96,556. And if you live 30 years beyond the start of your RMDs, you’ll end up paying more than triple the income tax—$139,588 compared to just $42,625—than what you originally deferred over three decades of contributing to your tax-deferred retirement account. That’s a harsh tradeoff. You deserve a smarter alternative.

You’ve probably also heard the classic investment pitch: “Just earn 12% annually for the next 30 years by investing in this stock or fund, and your wealth will grow effortlessly.” Of course, there’s a “small” catch—hand over a 2% management fee to someone else to handle your money.

At first, that may sound reasonable. After all, 12% minus a 2% fee equals 10%, right? But here’s the reality: $100,000 growing at 10% annually for 30 years results in $1,744,940. Meanwhile, that same $100,000 growing at 12% with a 2% fee only grows to $1,634,267. That’s over $110,000 less—proof that fees quietly eat away at your long-term growth.

• That is $110,673 less than what you were expecting.

YOU Deserve Better.

YOU Deserve Better because it’s your money.

YOU Deserve Better because you should never be misled about what deferring taxes will end up costing you.

YOU Deserve Better because taxes hurt and you should be shown how to avoid taxes that can be legally avoided instead of deferring them and letting them compound against you.

YOU Deserve Better because you work hard and should be able to depend on your savings to sustain you in the future.

At McFie Insurancewe are here to help you, because YOU Deserve Better!