Perhaps the best consulting and wealth management team in the united states
What Most Retirement Plans Don’t Tell You
If your retirement account says $2 million… how much of it is actually yours?
Most retirement plans focus on accumulation.
Very few address spendable, tax-efficient income.
Call today to book a 15 minute consultation to learn more and discuss
Educational | No obligation | You decide
Retirement plans are tax-deferred, not tax-free
Withdrawals create taxable income—often at unknown future rates
Taxes reduce income and impact Social Security benefits
You did what you were told.
The outcome just isn’t what you were shown.
ENCOMPASS GROUP
There’s a Difference Between Having Money and Being Able to Use It
There’s a Difference Between Having Money and Being Able to Use It
ENCOMPASS GROUP
The 4% Rule Was Designed to Protect Portfolios — Not Lifestyles
4% is defensive, not optimized
Withdrawals are taxable
Inflation reduces purchasing power
Income uncertainty creates long-term risk
Predictable income matters more than theoretical growth.
ENCOMPASS GROUP
WHY TAXES CHANGE EVERYTHING
Taxes Don’t Just Reduce Income — They Create Volatility
Taxable distributions affect Social Security taxation
85% of benefits can become taxable
State and federal exposure compounds over time
Required distributions remove flexibility
WHAT MAKES ENCOMPASS GROUP DIFFERENT
A Different Way to Think About Retirement Income
This isn’t about avoiding taxes.
It’s about structuring income properly.
Schedule a 15 minute consultation to learn more and discuss
Educational | No obligation | You decide