Navigate Retirement with the Captain's Log

Thank you for listening to our radio show, Retirement on the Horizon, powered by netWorth Partners! Schedule your complimentary strategy session to get started on your Captain's Log.

Typical results of a personalized Captain's Log:

  • 30-50% potential increase in net-spendable retirement income above current path projections; and/or
  • Potentially retire 3-5 years earlier than current path projections; and/or
  • Increased longevity of retirement assets by 7-10+ years longer than current path projections

Or call us at 216.480.7907!

At netWorth Partners, we believe in a holistic approach to your retirement planning.

This starts with a comprehensive, personalized Captain's Log!

Clear. Concise. Compelling.

Your personalized Captain's Log will be straightforward, easy to understand, and compelling with clear action steps. We don't do fluff. Let the math of true retirement planning be your guide.

1

Tax-efficient Income

Increasing your retirement income has everything to do with cutting out friction (fees) as much as possible. Taxes are the largest fee in retirement planning.

2

Opportunity & Risk

A Captain's Log can show you pathways to potentially decreasing your market, longevity, inflation, and tax risks while increasing your opportunities for a more fulfilling retirement.

3

Optimization

The strategies within your Captain's Log will show you how to relocate inefficient taxable and tax-deferred assets to tax-free assets with the capability of producing greater income for longer periods and maximizing your legacy.

4

Plan, Create, & Execute

You've sacrificed to accumulate your retirement nest egg. Let the Captain's Log with a holistic approach show you how to potentially optimize it with tax-free income for the best potential retirement possible.

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No gimmicks. No fluff. Just math.

Asset Location Is More Important Than Asset Allocation

Where do the majority of your assets live?

Taxable

While usually highly liquid, taxable vehicles (bank accounts, CDs, mutual funds/ETFs, bonds, etc) are taxable with every realized gain.

While providing good liquidity for short-term savings goals or emergencies, consistent and frequent taxes can severely detriment your long-term accumulation efforts to the tune of hundreds of thousands of dollars.

Tax-deferred/Tax-procrastination

Typical retirement accounts (such as 401(k)s and IRAs) procrastinate taxes until the future. Contrary to popular belief, most retirees do not find themselves in a lower tax liability situation upon retirement. These types of accounts generally maximize your taxes over your lifetime.

Some financial experts have started referring to them as "tax-maximization" accounts. Many Americans come to realize their silent retirement partner (the IRS) isn't so silent once retirement begins.

Tax-free

Taking advantage of vehicles in the tax-free location can potentially increase your net-spendable retirement income significantly, protect you against inevitable tax increases, and increase the longevity of your retirement assets by many years.

Strategically relocating portions of your taxable and tax-deferred assets to the tax-free location is a critical piece to optimizing your retirement. A Captain's Log can help you create multiple streams of tax-free income.

Meet Your Host

Michael A. Bodanza

Michael A. Bodanza is a Retirement Specialist with Net Worth Partners who has been serving clients with compassion and service since 1989. A graduate of The Ohio State University with a Bachelor of Business Administration in finance and marketing, Michael is guided by the mission of helping clients navigate a smooth, dream retirement. Michael is the father of Anthony and Angela and a proud grandfather of Sylvia. He enjoys fishing and bowling. He is dedicated to using his expertise to explain and help navigate the intricacies of financial planning before and during retirement.

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