Smart Retirement (3rd Edition)

SMART Retirement assembles the collective wisdom of the SMART Advisor Network members. Within this book, network founder Matt Zagula shares techniques that members use to help clients become more tax-aware during their pursuit to reduce future retirement tax liabilities. Techniques focus on reaching the lowest effective tax cost possible while maintaining retirement income on a tax- and inflation-adjusted basis. In this third edition, SMART Advisor Network members share new ideas that work in tandem to reduce the effective tax cost in retirement and eliminate the effective interest cost on debts. This SMART approach accounts for the two largest expenses we face throughout our lives: taxes and debt. Its approach has value for open-minded individuals of all ages who are interested in building their net worth and retirement income in a more tax-aware and debt-avoidant way.