Resources
Explore our library of financial education resources including articles, videos, podcasts, and the of course the Power of Zero book. We believe financial education is indispensable. Having the right information can empower you to act with clarity and confidence, and to ultimately live a more intentional and meaningful life.
Recent Articles
Why Most Americans Aren’t Using the Best Approach to Guaranteed Lifetime Income
The following content is adapted from the book Tax-Free Income for Life by David McKnight. In a previous article, I shared how a single premium immediate annuity (SPIA) may be adept at addressing longevity risk in a far less capital-intensive way than the traditional stock market approach. What’s more, it confers a long list of psychological, mathematical, and longevity benefits that can smooth out an otherwise rocky road in retirement. If ever there were a compelling solution to consider for outliving your money, the SPIA makes a strong case. All this, of course, begs the question: If this income […]
Guaranteed Lifetime Income: Solving the Most Important Math Equation of Your Life
The following content is adapted from Tax-Free Income for Life, by David McKnight. There’s a massive X factor when it comes to retirement planning: you simply don’t know how long you’re going to live. You’re trying to solve the most important math equation of your life, and you’re missing the most important variable! That’s why longevity risk, as I’ve mentioned before, is every retiree’s most vexing concern. If you don’t make provisions for how long you’re actually going to live, then you could run out of money before you run out of life.
What You Need to Know About the Three Percent Rule
In a previous article, I discussed the retirement income challenges created by longevity risk. Today, I want to talk about a common strategy for addressing it: the Three Percent Rule. I’ll share what came before it, how it came to be popularized, and where it may fall short — including four significant shortcomings you should understand before relying on it as your primary withdrawal strategy. As I always suggest, I hope you’ll take notes as you read on any questions that come to mind. You can always reach out to me to schedule a discussion if you’d like to […]
The Retirement Risk Trifecta You Need to Know About
We are all living in — and retiring in — a risk-rich environment. Not only do you need to worry about tax rate increases and longevity risk, both of which I’ve written about previously, but there are other very real dangers to your long-term retirement outlook, too. In this article, I’ll review three of them: withdrawal rate risk, long-term care risk, and inflation risk. As you read, take notes on questions you may have, and please feel free to reach out to me to schedule a discussion if you’d like to learn more about how I can help you […]
Avoiding the Greatest Retirement Risks: Part Two
In my last article — part one of this two-part series — I shared an excerpt from David McKnight’s powerful book, Tax-Free Income for Life. In it, David detailed the first great retirement risk we’re all up against, which is tax rate risk. If you haven’t read that article yet, I encourage you to start there. Today, I’m sharing another excerpt from David as he explains the second great retirement risk — longevity risk. It’s my mission to educate you about this risk, but also to inspire you to take control of your financial future and prepare for the […]
Sequence-of-Return Risk and the ‘Risk Multiplier’ That Makes It Even More Dangerous
If you’ve read any of my previous articles, you know it’s my mission to educate you about the very real risks threatening to undermine your retirement outlook. Of course, I also want to empower you now, in the present, to take control of your money and prepare for what’s to come. This article is no different, as I’ll be sharing more about a threat lurking in your portfolio — sequence-of-return risk — and the risk multiplier that makes it even more dangerous. As you read, take notes on questions you may have, and please feel free to reach out […]
Useful Guides
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Simplifying Social Security and Optimizing Retirement Benefits
Your Guide to Social Security: Discover how to optimize benefits and make smart retirement decisions. Download thoughtful tips now!
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What to Consider in Your Charitable Giving Plan
Congratulations! You’ve decided to give to a charitable organization. Charitable giving is a wonderful way to help further causes you are passionate about and feel good while doing it.
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Addressing Market Volatility in Today’s World
Planning for retirement is never a “set it and forget it” task. There are unexpected disasters, market drops, and changing laws that could cause retirees to reevaluate their financial situation. Ultimately, there’s no way to predict everything that will cause market downturns. However, you can prepare yourself for one by having a solid financial strategy in place.
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The Birth of a Grandchild
Congratulations! The arrival of a grandchild is always an exciting time. Since many grandparents wish to assist in covering their grandchildren’s future financial needs, it’s also a good time to consider financial preparations for the future. If you hope to provide funds to your grandchildren, both 529 plans and trusts are beneficial options.
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Making the Transition to Retired Life
After all your years of hard work and disciplined saving, you’ve made it to retirement – congratulations! Now, the challenge becomes tackling common retirement transition concerns so that you can live out the ideal retirement you’ve dreamed of.
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Managing Inflation in Retirement
You may have noticed that the things you buy regularly have become more costly, and you may be pondering if inflation will stay high. For individuals close to retirement or already retired, it is essential to take measures to protect themselves from the eroding effects of inflation.
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The Fundamentals of Estate Planning
Estate planning can be an emotional process. After all, it’s difficult to think about things like who will raise your children, or which loved one will best manage your financial assets. Estate planning is necessary, however, because without a will, your estate may end up in court. This means it could be divvied up based on a judge’s ruling, rather than on your personal wishes.
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Ace in The Deck (Annuities Unveiled)
Dive into the benefits of annuities for a worry-free retirement. Download our guide now to ensure your financial longevity!
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Maximizing Your Social Security Benefits
This guide offers an overview into Social Security benefits to help you carefully consider each strategy and understand your options for building a future for you and your family.
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The Importance of Designating Beneficiaries
When life gets hectic and your to-do list seems endless, it can be easy to let financial planning details slip through the cracks. However, updates to your designated beneficiaries on 401(k) plans, IRA accounts, and other retirement assets is vitally important.
Videos
The Power of Zero Podcast
hosted by David McKnight
Tax rates 10 years from now are likely to be much higher than they are today. Is your retirement plan ready?
Learn how to avoid the coming tax freight train and maximize your retirement dollars.
The Power of Zero Book
REVISED AND UPDATED WITH A NEW CHAPTER ABOUT THE 2018 TAX CUTS
In The Power of Zero, McKnight provides a concise, step-by-step roadmap on how to get to the 0% tax bracket by the time you retire, effectively eliminating tax rate risk from your retirement picture.
The day of reckoning is fast approaching. Are you ready to do what it takes to experience the power of zero?
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