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For decades, Americans were taught to save for retirement by deferring their taxes. 401(k)s and IRAs became the default for many savers.
But as financial advisors across the country have seen first hand, today’s retirees face a very different reality. Rising government debt, shifting demographics, and constant legislative change have made retirement more tax-sensitive than ever before.
Now, there’s a new tool to help you educate your clients on the risks from Washington - and show the value of working with an advisor like you to overcome them.
This month, Stonewood is publishing our fourth book: The Road Less Taxed. Written by our CEO, Becky Swansburg, and our COO, Neil Wilding, the book dives deep into today’s tax environment for savers, where taxes could be headed for retirees, and what Americans can do to take back control of their retirement from Washington.
We can’t wait to get a copy of The Road Less Taxed in your hands. (In fact, you can request a complimentary copy here - we can send you the print version or give you immediate access to a digital version.)
We’re already helping advisors leverage this book to nurture new leads, gain more appointments, and increase their client value.
How? Because the book was written as a powerful education tool, connecting what’s happening in Washington to the kinds of retirement services you provide in your practice. The Road Less Taxed puts a spotlight on:
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How IRAs have created an increasingly tax-sensitive retirement for U.S. savers
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Four ways taxes can rise in retirement
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New ways Congress is raising revenue from IRAs - without touching tax bracket rates
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How savers can leverage OBBBA to prepare for what’s ahead
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What long-term tax trends could mean for retirement income planning
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Why savers need to work with a financial professional who understands the risks coming from Washington - and how to overcome them.
The book is ideal for readers who:
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Are age 50+ and planning for retirement
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Have significant savings in IRAs or 401(k)s
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Worry about future tax increases
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Want clarity - without political noise
If you work with retirees and pre-retirees, you don’t need another headline to tell you this: Taxes are becoming one of the biggest wildcards in retirement planning.
The Road Less Taxed is 2026’s most powerful conversation starter with prospects and clients alike. It simply (and even humorously!) delivers new ideas, new context, and new urgency around changes in Washington. And that means your meetings can focus on application, not explanation.
If you work with affluent retirees or pre-retirees and want a persuasive way to talk about tax risk in retirement, you need to read this book.
About The Road Less Taxed
For decades, Americans were taught to save for retirement by deferring their taxes. But today’s retirees face a very different reality. Rising government debt, shifting demographics, and constant legislative change have made retirement more tax-sensitive than ever before.
In The Road Less Taxed, you’ll discover how decisions made in Washington can directly affect your retirement assets – and how to protect yourself from these legislative changes. With most Americans holding the majority of their retirement savings in tax-deferred accounts like IRAs and 401(k)s, even small changes in tax law can have an outsized impact on how much income they get to keep.
This book shows you how to think differently about retirement taxes and identify strategies that may help you stay in control—no matter what happens in Washington. You’ll learn:
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Why traditional IRAs and 401(k)s expose retirees to future tax uncertainty
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How Washington can raise retirement taxes without touching tax brackets
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What long-term tax trends mean for retirement income planning
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How strategies like tax diversification and Roth conversions may help reduce lifetime taxes
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Why proactive planning matters more than predicting future politics
Written for thoughtful savers, The Road Less Taxed is about building a retirement plan that works – regardless of who’s in office. If you want a smarter, more resilient approach to protect your assets, reduce unnecessary taxes, and maintain control over your financial future, The Road Less Taxed is for you.
About the Authors
Becky Ruby Swansburg is the nation’s leading expert on legislative risk in retirement. Having spent her early career working in Congress and the White House, she shares how tax policy and the legislative process can impact U.S. savers – especially retirees. In The Road Less Taxed, Becky delivers her unique insights to create a roadmap for your tax-free retirement.
Neil Wilding has spent his career aligning financial strategies with the emerging needs of American savers. An expert in tax-free retirement approaches, he has helped thousands of savers minimize taxes and maximize their retirement approach. In The Road Less Taxed, Neil helps you prepare for a successful retirement.
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