TAX PLANNING

LET THE WALKER TEAM BE YOUR GUIDE

UNDERSTANDING THE CURRENT TAX climate

HOW WALKER IS DIFFERENT

Truly Holistic Retirement Planning requires a braintrust of like minded experts with complimentary areas of expertise which is why Walker Capital has partnered with a Tax Professor & CPA to help you understand your current tax equation and how it may change in coming years.The key is to be proactive in addressing these concerns today because taxes are only going to be ‘on-sale’ for a few more years and the IRS has already put major restrictions on how much you can contribute in each of those years!

OUR MOST FREQUENTLY ASKED TAX QUESTIONS

THE TAX PLANNING TOP THREE

How does a Retiree enter a lower tax bracket in retirement?

There are two paths that lead toward entering a lower tax bracket in retirement than you are in currently. Each will result in the lower tax bracket, but each also has drastically different impact on you retirement standard of living and lifestyle.

The first path is to receive less overall income, which conversely will enter you into a lower tax bracket upon retirement, but will also require reducing your standard of living in retirement. Long story short, your retirement lifestyle suffers.

The second path is to receive less taxable income by utilizing Roth TSP, Roth IRAs, & Cash Value Life Insurance. Just like in the other path, you enter a lower tax bracket upon retirement, but not at the cost of your retirement lifestyle. 

Where Will Taxes Go From Here?

Due to Uncle Sam’s exorbitant appetite for spending & bi-partisan increases to the ballooning national debt over the last 20 years, we currently have the worst ratio of Debt-to-GDP (or “debt” to “income”) in American History. Even though we have never carried more national debt, tax rates are near all-time lows! As the largest section of the US population prepares to leave the workforce (reducing tax revenues) and begins to receive both Medicare & Social Security benefits (forcing further increased spending), experts and economists agree that the US is on an unsustainable fiscal path.

If it is your personal belief that the government will have to raise taxes in coming decades, then it is imperative that you discuss tax planning strategies with a CPA & Federally Focused Retirement Planner to learn how to protect your nest-egg from Uncle Sam’s outstretched hand!

Why Is Tax Diversity So Essential to a Successful Federal Retirement Plan?

Tax Planning is critical because CSRS pensions are roughly 92% reported as income, FERS pensions report over 99% as income, & for many Federal Retirees the level of income from their pension forces any Social Security benefits to be either 50% or 85% taxable as well!  This taxable base coupled with qualified retirement savings such as a Traditional TSP – where any TSP distributions are 100% taxable – leaves far too many retirees overly exposed to future income tax rates!

We cannot take our money with us after our time is up – which is why you never see a hearse followed by a moving van.  So when considering this phase, listen to the old saying, “Riches are acquired in a single lifetime but wealth is passed from generation to generation.”

NOT SURE WHERE TO START? LET WCPG HELP

WHAT WAS YOUR CAREER?

FEDERAL EMPLOYEES

Since 2014 the WCPG team has helped thousands of Federal Employees across the nation understand their pension, TSP, & how to map out the ideal retirement.

CLICK HERE FOR FEDERAL 〉

BUSINESS OWNERS

Learn how WCPG can help navigate the potential pitfalls & unique opportunities facing entrepreneurs when preparing for their retirement.

CLICK HERE FOR BUSINESS 〉

INDIVIDUALS & FAMILIES

WCPG’s tax-centric holistic planning can help you & your loved ones navigate retirement with tax, income, & legacy planning from our team of experts.

CLICK HERE FOR INDIVIDUALS 〉

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WHY CHOOSE WALKER?

TO guide youR PATH TO RETIREMENT

WHY CHOOSE WALKER CAPITAL?

THE RIGHT TEAM with THE RIGHT TOOLS

The Right Team

As taxes begin to rise in coming years, it is critical that a holistic retirement truly consider the impact of taxation on retirement benefits, tax-deferred savings, & Social Security – which is why WCPG planning partners tax-centric retirement consultants with our CPA to help you navigate retirement successfully!

The Right Tools

WCPG’s art is the science of retirement planning! We help families around the country thrive using webinar technology to easily apply the latest in Retirement Benefits Forecasting software, tax-planning tools, budget calculators, & Risk Tolerance Assessments to help design the blueprint for a successful retirement!

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