We categorize investors and financial advice into two categories, Levels 1 and 2.

The vast majority of Americans are in Level 1, which we define as assets under 1 million. According to a Vanguard 2025 report: the average balance for investors age 55-64 is just $271,320 and $299,442 for ages 65 and up.

At just 2-3% of the U.S. population, Level 2 investors have over $1 million.  The IRS designates them a ‘Accredited investors.’  As such, you are part of an elite class of top investors and that opens up a whole new world of investment opportunities, financial tools and tax planning that are not available to most Americans.

Due to the huge disparity in account values, Level 1 and 2 investors have different problems. The issue for Level 1 investors is being able to afford to maintain their current lifestyle in retirement.  As a Level 2 investor, you don’t have a retirement problem, you have a tax problem.  Different problems require different solutions. 

Since the vast majority of American are at Level 1, overwhelmingly, financial advice is geared to theLevel 1 masses, not level 2 investors.For decades, CPAs, financial advisors and tax planners have been repeating the same concepts to us over and over again: 401(k)s, IRAs, Roth conversions, Social Security maximization, tax-loss harvesting, stocks, bonds, mutual funds, CDs, risk tolerance assessment, asset allocation, rebalancing, etc.  Hear this Level 1 advice often enough and you believe those are your only options. 

Here's the problem for accredited investor like yourself; 

Level 1 advice is not only ineffective for the million plus, Level 2 investor, it can dramatically increase your tax liability.The following is an example of some of the worst retirement advice ever conceived:     

Remember back when you first started working, and  your employer, financial advisors and CPAs all recommended that the smartest way to save for retirement was to avoid paying taxes now by contributing to pre-tax 401(k) and IRA plans. 

Now, imagine if they had explained pre-tax plans this way: “You’ll save on taxes today, but when you retire 40 or so years from now, you’ll owe taxes on your entire, much larger account balance—instead of just your small contributions.  And by then, tax rates will likely have increased several times, meaning you’ll pay those taxes at a higher rate and  from a higher tax bracket.”

If they had explained pre-tax plans that way, you would have thought their advice was crazy—but they didn’t.  And now, here we are, sitting on a massive tax time bomb.

As a Level 2 advisor, we defuse that tax time bomb and reduce your tax liability with investment opportunities, financial tools and tax planning strategies that are available exclusively to accredited investors such as yourself.

The IRS has a plan for your money. We have a better one!I wish you a prosperous, safe and low-tax retirement.