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30-Day Money-Back Guarantee

This course includes:

  • 3.5 hours on-demand video
  • 6 downloadable resources
  • Full lifetime access
  • Access on mobile and TV
Finance & Accounting Other Finance & Accounting Financial Planning

Engineering Your Tax-Free Retirement

Strategize and implement a tax-free retirement plan.
Rating: 3.6 out of 53.6 (3 ratings)
35 students
Created by Karthik Ethirajan
Last updated 2/2020
English
English [Auto]
30-Day Money-Back Guarantee

What you'll learn

  • How to chart your roadmap to a tax-free retirement
  • Topics covered include personal finance concepts, framework for achieving ~0% tax rate, and investment options
  • Deep dive into IUL, Annuity and LTC investments
  • McKinsey-grade presentation material, available for download
  • Retirement planning calculator, available for download
  • Fact-based learning and insights derived from quantitative approaches

Requirements

  • None

Description

Investment return/risk and tax efficiency, though not correlated factors, both affect the growth of investment assets and income. In investment planning, investment return/risk usually receives all the attention, but, in reality, when strategizing and planning for long-term asset growth, both factors are equally important. Even in today’s historically low-tax environment, a single person (who is a CA resident and pulling at least 160K in retirement income) will pay 40 cents on the dollar in marginal tax rate when withdrawing from their 401k or traditional IRA account during retirement.

But did you know that you can optimize your tax rate in retirement to nearly zero?

In this course, we will establish a foundation for the goal of achieving optimal tax efficiency during retirement, and then we will take an in-depth look at investment options that work best in achieving this goal. In particular, we will look at investment options that mimic market growth, protect principal, scale performance to the risk incurred, and that provide a lifelong pension while also growing in value, and from which distributions may be taken tax-free.

We will learn how inflation, taxes, compounded growth, and volatility each affects investment income and growth. We then look at a macroeconomic view at Social Security and Medicare. Based on our understanding of all these factors, we will develop a framework for how to optimally allocate your savings into various tax buckets. And we will again review investment options designed to generate tax-free stable income streams during retirement. As a practical exercise, using an engineer as a sample working professional, we will go through the investment profile of a work and retirement life, as it responds to various changes in income and expenses.

Who this course is for:

  • Working professionals in their 30s, 40s and 50s

Course content

6 sections • 55 lectures • 3h 43m total length

  • Preview01:19
  • What Does Inflation-Adjusted Means?
    03:54
  • Power of Compounding
    03:23
  • Preview06:50
  • Effect of Taxes vs. Inflation on Asset Growth
    03:45
  • Investment Return and Volatility Explained
    05:43
  • Saving Early vs. Starting Late: An Example
    02:18
  • Life of an Engineer: Cash Flow Analysis
    13:01
  • Human vs. Financial Capital
    03:16
  • Summary
    03:40

  • Agenda
    01:05
  • Macroeconomic View of Social Security & Medicare
    03:28
  • Preview04:02
  • Retirement Characteristics
    02:23
  • Sequence of Returns Risk
    03:15
  • Tax Treatment of Retirement and Investment Accounts
    05:46
  • Performance Comparison of Retirement Savings Buckets
    07:30
  • Retirement Rules
    03:33
  • Retirement Scenarios
    10:08
  • Summary
    02:07

  • Agenda
    00:42
  • Preview04:39
  • Optimal Retirement Savings Buckets
    17:13
  • Modeling a Tax-Free Retirement Scenario
    00:41
  • How to Move Asset Between Tax Buckets
    05:50
  • Summary
    01:36

  • Agenda
    01:21
  • Life Insurance Product Types
    04:50
  • Preview03:37
  • Preview04:28
  • How Index Crediting Works
    01:47
  • IUL Credit Strategies vs. S&P500 Return
    03:41
  • IUL vs. S&P500 Performance
    03:06
  • IUL Costs
    04:28
  • Mechanics of IUL
    07:01
  • IRC 7702 Corridor for IUL
    05:44
  • IUL Policy Design Considerations
    04:44
  • Summary
    03:02

  • Agenda
    01:09
  • Longevity Risk
    02:17
  • Annuity Product Types
    03:47
  • Preview04:14
  • Preview03:29
  • Mechanics of Annuity
    04:17
  • Annuity Policy Design Considerations
    03:20
  • Annuity Tax Implications
    06:22
  • Annuity Moves Efficient Frontier
    06:01
  • Summary
    01:51

  • Agenda
    00:48
  • Medicare Choices for Seniors: High Level Costs & Benefits
    03:20
  • Preview02:16
  • LTC Economics
    03:05
  • Preview02:14
  • LTC Policy Design Considerations
    03:43
  • Summary
    02:19

Instructor

Karthik Ethirajan
Founder and Principal
Karthik Ethirajan
  • 3.6 Instructor Rating
  • 8 Reviews
  • 50 Students
  • 2 Courses

FinCrafters was founded on the dual mission to educate our community of clients about topics pertaining to personal finance and to help them strategize and implement a tax-free retirement plan.

FinCrafters began as a personal passion that turned into a professional pursuit. I relish deriving insights using quantitative approaches. I enjoy pairing down complex abstract ideas to simple practical insights and communicating them. For example, how do you holistically think about savings, taxes, investments, retirement needs, etc. with personal situations such as college or estate planning factored in? I agonize over strategizing such scenarios.

I am an engineer by training and through business education from Cornell and management consulting experience learned how to think holistically, work analytically, while also being practical and able to communicate well.

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