Tax Funnels with John Saunders, Senior Wealth Advisor

On today’s episode, John Saunders, a Senior Wealth Advisor, joins us to discuss tax diversification. A variety of experiences in life taught him the value of tax preparation and planning. Most people may not realize it but taxes are usually their biggest expense. So how do you make sure you are tax-efficient?

Over the years, the tax code has been revised thousands of times. How you pull money out of certain accounts, where you can put money, etc. Everything has a rule to it. If you don’t follow these rules there can be hefty penalties. That’s why we’re on a mission to make tax diversification simple.

Society has been trained to value tax-deferred accounts heavily. But we need to ask ourselves how this will impact us later down the line. Taxes are likely to only go up. There has to be a balance throughout your various tax funnels. Especially once you are relying on a fixed income in retirement.



0:42 – Introducing John Saunders

5:16 – Making taxes simple

8:18 – Tax incentives not loopholes

9:37 – Tax diversification

13:18 – National debt and taxes

16:11 – Taxes throughout the years

20:31 – Taxable, tax postponed, tax-free

24:55 – Closing thoughts


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Securities offered through Cetera Advisor Networks LLC, Member FINRA/SIPC. Investment advisory services offered through CWM, LLC, an SEC Registered Investment Advisor. Cetera Advisor Networks LLC is under separate ownership from any other named entity. Carson Partners, a division of CWM, LLC, is a nationwide partnership of advisors. 19833 Leitersburg Pike, Suite 1 Hagerstown, MD 21742. Guests are not affiliated with Cetera Advisors Networks LLC, or CWM, LLC. Opinions expressed by the presenter may not be representative of Cetera Advisors Networks LLC, or CWM, LLC.

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