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Business Owners
We’ve all been told:
Save in the bank to keep it safe, invest in the stock market to make it grow.
But what if there was a third option —one that gives you the growth potential of the market without the risk of losing your hard-earned savings?
Don’t leave your future to chance.
Discover how to protect your money while still making it grow! 🚀
High Income Earners
Every time you switch jobs, your old retirement accounts could be sitting there—forgotten, underperforming, and racking up unnecessary fees. That’s your money, and it should be working for you!
It’s time to take back control and make your retirement savings work smarter, not harder. Learn how to reclaim, optimize, and grow what’s already yours! 🚀
Real Estate
Thinking About Selling Your Home?
Here’s How to Outsmart Uncle Sam
When it comes to selling your home, there’s one thing that can keep you up at night:
TAXES
But don’t worry—we’re here to help you navigate the maze and come out on top. Let’s explore some clever strategies to keep more of your money where it belongs—in your pocket.🚀
The 121 Exclusion: Your Tax-Free Secret Weapon
Picture this: You and your spouse can each exclude $250,000 from capital gains taxes when selling your primary residence. That’s a cool half a million dollars tax-free! For example, if you bought your home for $500,000 years ago and sell it today for $1,000,000, you owe zero in capital gains taxes. It’s like finding a golden ticket in your mailbox—only better because it’s real.
Turn Landlord for a While: The Rental Conversion Strategy
Why rush to sell when you can turn your home into a tax-saving powerhouse? By renting it out for two years and reporting the income on your tax returns, you unlock the ability to sell the property using a 1031 Exchange. Translation? You defer those hefty capital gains taxes while building rental income. It’s a win-win—and who doesn’t love winning?
Downsizing Without the Downsides: A Grandparent’s Dream
Meet Susan and Mark, a couple who’ve spent the last 25 years living in their sprawling suburban home. With their kids grown and moved out, they realized it was time for a change—a smaller home that would free them from endless maintenance and allow them to focus on enjoying life. But here’s the catch: their home, purchased for $400,000, is now worth $1.8 million. Selling it outright would mean facing a hefty capital gains tax bill of nearly $350,000. Ouch!
Instead of letting taxes drain their hard-earned equity, Susan and Mark explored smarter options. Here’s what they did:
Step 1: Find Their Dream Downsized Home
They fell in love with a charming cottage near the coast, closer to their favorite hiking trails and local coffee shops. The price? $600,000—perfect for their new lifestyle.
Step 2: Tap Into Their Equity Without Selling First
Susan and Mark took out a short-term loan using the equity in their current home. This allowed them to put down $300,000 on the cottage and move in right away—no scrambling to find temporary housing or living out of boxes.
Step 3: Sell Their Old Home Strategically
Once settled into their new place, they staged and sold their suburban home for $1.8 million. After paying off the short-term loan and remaining mortgage balance, they placed $1.4 million into a trust designed to defer taxes.
Step 4: Enjoy Financial Freedom
Now, Susan and Mark receive an annual income stream of $84,000 (6% return) from the trust—more than enough to cover their expenses while enjoying retirement adventures. Plus, the trust is inheritable, meaning their kids will benefit from it too.
Why This Approach Works
By downsizing smartly, Susan and Mark avoided unnecessary taxes, secured their dream home without stress, and created a financial legacy for their family. Downsizing isn’t just about moving—it’s about making life simpler while maximizing your wealth.
Ready to explore how you can downsize without downsides? Let’s create a plan that works for your unique situation! Schedule your complimentary consultation today and discover how to turn your big move into a big win.
Stock
Every time you switch jobs, your old retirement accounts could be sitting there—forgotten, underperforming, and racking up unnecessary fees. That’s your money, and it should be working for you!
It’s time to take back control and make your retirement savings work smarter, not harder. Learn how to reclaim, optimize, and grow what’s already yours! 🚀
Crypto
Get Financially Informed offers a comprehensive range of financial solutions tailored to meet the diverse needs of individuals, families, and businesses. We believe in an approach to financial well-being that encompasses wealth creation, protection, and transfer. Our solutions are designed to empower you to achieve your financial goals, secure your legacy, and make a meaningful impact on your family, community, and beyond.
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Frequently Asked Question
Is this legal?
Through a combination of tax codes, investment strategies, CPA, and attorneys you'll be above board at all times.
How do I make sure that my wealth is preserved?
We only employ time tested products and strategies that will make sure you are getting the most out of your assets.
Are there income limits?
High income earners are subject to and pay the majority of the taxes in the U.S. We will help you navigate how to defer and reduce your taxes no matter how much you make.
