Build Tax-Free Income For Retirement

If there’s one thing almost everyone can agree on, it’s not wanting to pay taxes. After all, who wants to give up their hard-earned money to the government? The retirement savings gap is a multifaceted issue for many working people. With many challenges workers face, it’s easy to forget about taxes when it comes to saving for retirement. If you’re planning for retirement or nearing retirement, minimizing taxes is essential to a successful retirement plan. Here are three ways you can potentially accumulate tax-free income in retirement:

  1. Permanent life insurance. This is a wonderful tool that offers you the ability to transfer your assets tax-free (both income and estate) to beneficiaries and also build up tax-deferred growth of cash inside the policy.
  2. Health Savings Account (HSA). They’re unique for their triple-tax advantage: contributions are tax deductible, funds grow tax-free, and withdrawals are also tax-free, if used properly.
  3. Roth IRA. After age 59 ½ and as long as you’ve had the account for at least five years, earnings grow tax-free and you can withdraw contributions at any time without tax or penalty.

Most Americans will enter their golden years with less money than they need, so it’s wise to find ways to minimize or avoid the tax bite. Through thoughtful planning and a sound strategy, you can keep more of your money. Get the most value from your retirement savings–call us today at 651-414-0016 or 715-808-8981 and discover all of the possibilities.

Dan Dan Noodles

Heat up your week with this spicy and savory Sichuan noodles dish! This street food classic, known for its deep textures and nutty flavor, can be easily replicated in your home kitchen.

For chili oil:

  • 1/2 cup vegetable oil
  • 1 tablespoon Sichuan peppercorns
  • 2 tablespoons crushed red pepper flakes
  • 1 tablespoon sesame seeds
  • 1/2 teaspoon Chinese five-spice powder

For pork:

  • 1 tablespoon vegetable oil
  • 3/4 lb. ground pork
  • 1 tablespoon hoisin sauce
  • 1 tablespoon Chinese black vinegar
  • 2 teaspoons soy sauce

For saute:

  • 1/3 cup tahini
  • 3 tablespoons water
  • 3 cloves garlic, minced
  • 2 tablespoons soy sauce
  • 2 tablespoons freshly grated ginger
  • 2 tablespoons prepared chili oil
  • 1 tablespoon honey
  • 1 tablespoon toasted sesame oil
  • 1 tablespoon Chinese black vinegar

For serving:

  • 1 lb. ramen noodles or thick egg noddles
  • 1/4 cup loosely packed cilantro leaves
  • 1/4 cup toasted peanuts, roughly chopped
  • 2 green onions, thinly sliced


  1. Make chili oil: fit a small saucepan with a candy thermometer. Add vegetable oil and Sichuan peppercorns and heat to 325°. Turn off heat and add red pepper flakes, sesame seeds, and five-spice powder. Let oil cool completely.
  2. Make pork: in a large skillet over medium-high heat, heat vegetable oil. Add pork, breaking up the meat with a wooden spoon. Cook until meat is deeply golden and crispy, then add hoisin sauce, vinegar, and soy sauce. Cook until all liquid has evaporated.
  3. Make sauce: in a large bowl, whisk to combine all ingredients.
  4. Cook noodles according to package instructions and add to bowl with the sauce, tossing to coat noodles in the sauce.
  5. Divide noodles between serving dishes and top each with pork. Garnish with cilantro, toasted peanuts, and green onions, and drizzle with more chili oil, if desired.

Recipe adapted from Delish1

Finding Your Trigger

Every good golfer should have a “trigger.” For Gary Player, it was the kicking in of his right knee. For Sam Snead, it was cocking his chin to the right, just before taking the club back. A trigger is that little movement that helps take your mind off swing mechanics right before you’re ready to launch your shot. If you don’t have one, consider going to the driving range and experimenting with different moves to get into a habit of one—a tap of the foot, and pump of the grip, a shrug of the shoulders—it doesn’t matter what it is, as long as it feels “right” to you. Then, use it to fire your swing each time.

Tips adapted from Shark.com2

National Nutrition Month

The month of March is recognized as National Nutrition Month to bring attention on the importance of healthy eating habits and nutrition education. In honor of this month, here are simple tips to boost your health:

  • Eat breakfast everyday. A healthy breakfast to start your day can lead to better strength and sharper concentration.
  • Avoid eating out. Homecooked meals can often contain less calories, fats, and sugars as well as be more cost-efficient.
  • Load up on fruits and vegetables. These are nutritionally dense foods that should make up half of your plate at any given meal.

Tips adapted from Eatright.org3

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This document is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products Insurance policy applications are vetted through an underwriting process set forth by the issuing insurance company. Some applications may not be accepted based upon adverse underwriting results.  Death benefit payouts are based upon the claims paying ability of the issuing insurance company. The firm providing this document is not affiliated with the Social Security Administration or any other government entity.




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