Tax-Efficient Strategies

If taxes rise in the future, will it cut into your retirement savings?

Rising taxes may be a concern for anyone – especially for individuals with long-term needs.  Your structured settlement annuities are tax-free sources of future income per IRS Code 104 (a) 1 and 2.  This income can be an important component to living on a fixed income and avoiding surprises come tax time.

Investing in or purchasing a tax-deferred vehicle means your money can compound interest for years, without paying current income taxes, potentially allowing it to earn interest at a faster rate.  Tax-deferred vehicle only allow you to defer paying income taxes until the money is withdrawn – presumably during retirement why you may be in a lower tax bracket.  However, few financial vehicles avoid taxes all together.

Because tax-deferred vehicles are generally designed to help individuals work toward specific long-term goals, there may be restrictions on when money can be withdrawn without penalty.  Early withdrawals may be subject to charges and fees.  Withdrawals prior to age 59 ½ may be subject to an additional 10 percent federal law.

Our firm is not permitted to offer, and no statement contained herein shall constitute, tax or legal advice.  You should consult a legal or ax professional on any such matters.

At Brant Hickey & Associates, we can offer you the following products and services:



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Wealth Management & Investments

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Asset Protection

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Long-Term Care Strategies

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Life Insurance

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Tax-Efficient Strategies

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Chicago, IL 60602

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