Where Did All Your Money Go?
Understanding Taxes, Investments, and Better Financial Strategies
The Tax Burden
Many high-income earners find that 40-45% of their income is lost to federal, state, and additional taxes.
For example, if you earn over $200,000, your federal tax rate could be 32%+, plus an extra 3.8% NIIT tax and state taxes.
Why Bonds May Not Be The Best Option
Many investors hold bonds for stability, but after taxes, the returns are minimal.
- 5-year government bonds pay ~4% annually.
- After a 40% tax, your real return is only 2.4%.
- Inflation further reduces your purchasing power.
Better Investment Strategies
Products with Protection
- **Fixed Indexed Annuities (FIA) & Registered Index-Linked Annuities (RILA)**
- **0% downside risk** – You can't lose money in a bad market year.
- **Tax-deferred growth** – Pay taxes only when you withdraw.
- **Market-linked upside potential** – Returns that can outperform bonds.
- **No contribution limits** – Unlike 401(k)s or Roth IRAs, everyone can invest.
Want to Learn More?
Schedule a **FREE consultation** today to explore **better wealth-building strategies**.
Additional Resources
Tax-Apocalypse: Take Control of your Legacy
TriathlonTV: Indexed Universal Life Insurance vs Deferred Taxable Investment
Whole Life: The Devil is in the Details
