Freedom Not Fear
Your retirement should feel like freedom, not fear.
You deserve a retirement strategy that does not flinch.
Let’s optimize your strategy to protect assets, deliver income stability, and minimize lifetime tax drag, so you can get the most of your retirement.
Market volatility, rising taxes, and unforeseen life events can all chip away at hard earned wealth. Nexus Planning Group crafts precision retirement income strategies that help lock in your cash flow, shield your legacy, and adapt no matter what life throws your way.
Uncertainty is a thief of confidence and capital.
You might have wondered things like:
If markets tank tomorrow, will my income hold up?
We can help design an income strategy that is protected from the day-to-day market swings. We can help segment your approach so “must-have” expenses are covered by protected income sources & short-term reserves.
Are rising taxes quietly draining my future wealth?
We can help design a strategy to diversify your “tax buckets,” manage brackets year-by-year, and add in-lifetime tax-advantaged options so more of what you earn is money you keep. (We’ll coordinate with your CPA/attorney to implement.)
Could I be overexposed to future tax rates because most of my savings are in qualified accounts?
We’ll help model Roth strategies, strategic conversions, and cash-value life insurance to diversify tax buckets and widen after-tax income options.
How can I use permanent life insurance’s living benefits to create tax-advantaged income while I’m alive?
Properly designed permanent life insurance can provide significant tax-advantaged access to cash values during your lifetime with no contribution limits. We’ll help determine if they are a fit.
If these questions keep you up at night, you’re not alone.
Nexus Planning Group replaces uncertainty with structure, turning questions into clear next steps.
From “what if” to “I’ve got this”
We believe finance comes down to three tenets:
Values, Time, and Money
Values
We align our clients retirement decisions with their values giving confidence knowing their goals and aspirations will be stabilized, and ready for anything.
Time
It’s the only currency we spend without knowing what balance is left, and recognize the importance of an effective wealth accumulation and protection strategy that hedges against all factors that erode wealth.
Money
Use resources to support your life and goals, not as an end in itself. We help design strategies to finely tune income and minimize lifetime tax drag, while mitigating market and longevity risks, so your strategy stays reliable through uncertainty.
Get straight answers to common concerns.
If you're still skeptical, that's a good thing. Smart people ask hard questions.
Will I run out of money?
The one certainty in life is uncertainty, which is why the 4% rule is an archaic retirement savings strategy. Our approaches offer a predictable income stream that can be more stable than traditional withdrawal methods (like the 4 percent rule), bringing greater confidence from knowing your income is protected against volatility and inflation.
Can I use permanent life insurance to supplement my retirement income?
Yes—when it’s well funded, a permanent policy can provide tax-advantaged cash you can use in retirement. With certain designs funded to the maximum allowed—sometimes called a life insurance retirement plan—people use an “8% guideline” to plan yearly access. It’s a guide, not a guarantee, and it applies only to those policies. You can access funds through withdrawals or policy loans; interest and policy charges apply and can reduce your cash value and death benefit. We’ll model what’s reasonable for you and how it could fit a tax-efficient plan. For tax advice, please consult your tax professional.
Taxable or tax-efficient retirement?
You’ve saved for decades, so it’d be a shame to let unknown future tax* rates control your lifestyle. We prioritize tax-diversified income sources to help maneuver a changing tax landscape and help increase after-tax, spendable income.
What can I do to reduce my tax exposure?
It’s not necessarily what you earn that matters the most; it’s what you keep. Taxes are one of the top expenses of any business or investor. Many times the taxes, rather than the fees, can be more detrimental to overall retirement savings. Luckily, finding a strategy designed to reduce taxes is not as hard as one might think. It’s more than tax returns. It’s about taking action. We look at your strategy through an after-tax lens to optimize your net returns, helping you keep more of what's yours, in partnership with CPAs*.
Start planning today
Our team is ready to help you build your tax-efficient income plan.
