The Roth Excelerator
Using safe asset allocations and mostly fixed return strategies, the Roth Excelerator aims to assist millions of Americans in achieving a more tax-efficient retirement by facilitating the conversion of their qualified funds into tax-free or tax-effective funds. This strategy eliminates the necessity for Required Minimum Distributions (RMDs) that must be taken annually and are taxed as ordinary income. It is also beneficial for beneficiaries who inherit unused funds during their highest earning years. With the elimination of the stretch IRA, beneficiaries now face a greater tax burden than originally anticipated, as inherited qualified funds must be distributed over a short 10-year period. This change has potentially resulted in $17 trillion in taxes. The Roth Excelerator supports Americans in retirement more effectively, especially those who have been diligent in saving. Additionally, the success of this initiative positively impacts their Medicare and Social Security benefits and distributions, providing a more secure and stable financial future for those who trusted advisors and legislation to create larger retirement accounts and substantial inheritances for their beneficiaries.
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KEEP MORE
A LOT more by reducing ordinary income tax throughout your retirement. With the elimination of the Stretch IRA, save your beneficiaries hundreds of thousands of dollars.2
SAVE MORE
Optimize your retirement planning with multiple strategies. We believe to be tax-efficient and safe in retirement you have to be diversified into multiple buckets. The entire process will be overseen by fiduciaries trained specifically in the multiple Roth Project Strategies.3
LEAVE MORE
Optimize your estate so that your beneficiaries are not left with tax consequences on things like inherited IRAs. Were you aware that the elimination of the Stretch IRA will create an additional Seventeen Trillion in tax consequences for beneficiaries like yours?Estimate the positive effect of a Roth Conversion
IRA to Roth IRA Conversion Calculator
At Excel Empire, our Founders and tax strategiest have been helping business owners reduce taxes on almost every front. We have long wanted to help Americans who will lose hundreds of thousands of dollars as they begin taking retirement distributions from qualified retirement funds such as 401k’s, 403b’s and IRA’s. We can even expedite the growth of your existing Roth IRA, immediately increasing your income potential and what you leave to your loved ones. We specialize in crafting tax-efficient structures that minimize your tax burden while maximizing control over your wealth. Our approach ensures that you pay only what is legally, morally, and ethically required, allowing you to retain more of your hard-earned assets to pursue your unique goals and objectives for you and your family.
Our clients can experience a complete elimination of taxes on retirement funds or, at a minimum, a significant reduction in their tax liability. By leveraging our expertise and innovative strategies, you can achieve substantial tax savings while maintaining financial flexibility and security for you and your family.
The amount in your retirement account might not be the amount you own!
When it comes to qualified retirement accounts, such as traditional IRAs or 401k plans, a significant portion of the accumulated funds will be lost to taxation upon withdrawal. These accounts are funded with pre-tax dollars, meaning that while contributions and growth within the account are tax-deferred, distributions taken during retirement are subject to ordinary income tax rates. This leads to a substantial tax burden, especially if the retiree’s tax rate is high at the time of withdrawal. Additionally, Required Minimum Distributions (RMDs) mandate that account holders begin withdrawing funds starting at age 73, which can further accelerate the tax impact. The loss of funds due to taxation reduces the effective value of the retirement savings, limiting the amount available for the retiree’s living expenses and undermining the financial stability these accounts were meant to provide. This tax burden also extends to beneficiaries, who, under current laws, must deplete inherited retirement accounts within a decade, potentially facing higher taxes during their peak earning years.
Estimate the lifetime effect of taxes on my Qualified Retirement Accounts
Retirement Growth Calculator
Don’t do a traditional Roth Conversion!
Income Tax & Estate Tax Reduction
Tax Savvy Retirement
Legacy Planning
Why Excel Empire?
Tax Reduction Pros
TAXES ARE ONE OF YOUR BIGGEST EXPENSE.
Our team at Excel Empire has been at the forefront of proactive tax planning since 2002, pioneering strategies to help people like you reduce their overall tax burden while staying aligned with their goals and objectives. With our expertise, we design customized Roth conversion plans tailored to your specific needs, ensuring that you benefit from legal, ethical, and morally sound tax-saving strategies and not just numbers in a spreadsheet.
Over the years, we have assisted thousands in paying less taxes by implementing innovative approaches that optimize their tax position without compromising their long-term goals and objectives. With our proven track record and commitment to excellence, you can trust us to help you navigate the complexities of taxation and achieve significant increases in your retirement income, leaving more for your loved ones.
Tax Savvy Retirement
DO YOU THINK TAXES ARE LIKELY TO GO UP IN THE FUTURE?
Traditional retirement accounts like 401ks may not have been the best option for you, despite being commonly recommended by accountants and even good financial planners. While they offer tax benefits in the short term, they often result in significant tax liabilities in the future, especially when tax rates increase. These accounts merely defer taxes rather than providing a comprehensive tax-saving strategy. We are not here to change the past. Your 401k is what it is, and it will most likely be taxed significantly more than you could have imagined. So what are you to do? Tradition Roth Conversions, while most likely being a good and sound tax move, are very costly and in the short term put an unneeded stress on your retirement plans.
At Excel Empire, our Advanced team specializes in designing retirement plans tailored specifically for people like you who have a significant amount in tax-inefficient retirement accounts. We understand that traditional retirement vehicles may not align with your long-term financial goals and objectives. Instead, we offer customized solutions that leverage unique plans available exclusively through the Excel Empire Roth Project.
By working with our team, you can ensure that your retirement planning strategy is optimized to minimize tax liabilities while maximizing wealth accumulation and preservation. We’ll guide you towards the right path and help you navigate the complexities of retirement planning with confidence and clarity.
Changes to IRA Rules creates 17 Trillion Dollars in taxes when your loved ones inherit your retirement accounts.
WHAT HAPPENS TO YOUR RETIREMENT ACCOUNTS WHEN YOU AND YOUR SPOUSE PASS?
The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 eliminated the Stretch IRA, which allowed beneficiaries to take minimum distributions from an inherited retirement account over their lifetime. Instead, the SECURE Act requires most non-spousal beneficiaries to withdraw all funds from IRAs and 401k’s within 10 years of the account owner’s death. This provision went into effect on January 1, 2020, and applies to accounts inherited from owners who died after that date. This one change created a landslide of tax liability for the next generation!
$17,000,000,000 Dollars in taxes!
maximizing your retirement
Let’s See If We’re A Good Fit
Schedule Your Roth excelerator call Today!
Click on the button to learn how much more you could expect to earn by having a well thought out plan and working with one of our advisors.
Here are some statistics that might interest you
The elimination of the Stretch IRA will create a SEVENTEEN TRILLION DOLLAR tax liability for your beneficiary's generation.
At Excel Empire we start with a very simple, non-threatening Discovery Call.
50% of your retirement savings could simply go to paying for taxes.
This statistic is simply unfair for you and your family. Work with a team of trained tax professionals to decrease your taxes and increase your savings.