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Keep more of what’s yours.

Significant implications from potentially changing income tax rates will have a major impact on all of us. At Prevail, we believe that diversification not only includes limiting investment exposure to market volatility, but also planning for fluctuations in income tax rates—so that you can ultimately keep more of what’s yours.

Pre-tax. Post-tax. Tax-free.

Since the early 1980s, financial professionals have advised putting as much money as possible into tax-deferred investments. And in the ‘80s, that seemed logical—the top tax rate was 70%, so postponing the tax impact made sense. But what about today? No matter if you believe income taxes are likely to go up or down in the future, we can count on some fundamental truths. For instance, at retirement, your income-tax deductions will largely be gone, leaving your next egg exposed to a greater tax impact. As a result, smart strategies for our present environment should not simply focus on tax deferral. Instead, smart strategies include a combination of pre-tax, post-tax and tax-free vehicles.

Leave tradition in the past.

Many financial Investment Advisors Representative continue to advise clients based largely on traditional thinking—thinking that was applicable to the financial environment of 40-50 years ago. But, at Prevail, we intentionally leave those traditions in the past. Our philosophy is that clients should not only diversify by asset class and type to protect against market volatility, but also diversify to protect against higher future income taxes.

Tactics &
considerations

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The power of Prevail.

We develop personalized, wealth-building strategies that allow retirement income to be withdrawn at or nearer to a 0% income tax rate. It’s an approach that puts you in control of your tax bracket and allows you to keep more of your hard-earned money. 

Our investment vehicles also include many other advantages over traditional methods like: 

  • Tax-free growth 
  • No IRS reporting 
  • No age 70 1/2 required minimum distributions 
  • No age 59 1/2 early withdrawal penalty 
  • No provisions on income causing social security to be taxed 
  • No stock market risk 
  • No income or contribution limits 


Prevail’s focus on retaining more of our clients’ accumulated wealth by structuring products that have traditionally received favorable tax treatment from the IRS enables our clients to: build more wealth, keep more wealth, and hold the power over their financial future.

Consider This

When Social Security was created, workers started receiving benefits at age 65. But at the time, life expectancy was only 62 years, and for every 42 people paying into Social Security only 1 person was taking money out. Since then, life expectancy has increased to more than 75 years of age and Americans can now start withdrawing at age 62. Income taxes are one of only a few ways that income is generated to run government programs like Social Security and pay down national debt. And, if you think income taxes can’t possibly go up “too much,” in the 1980s when 401ks were developed as a result of the Revenue Act of 1978, income taxes were approximately double what they were in 2019.

You Have Risk Management Questions

We Have Some Answers

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Quam elementum pulvinar etiam non. Nibh praesent tristique magna sit amet purus. Augue lacus viverra vitae congue eu. Bibendum est ultricies integer quis auctor elit sed. Tortor pretium viverra suspendisse potenti nullam ac tortor. Viverra orci sagittis eu volutpat odio facilisis mauris sit amet. Consectetur a erat nam at lectus urna. Senectus et netus et malesuada fames. Tincidunt arcu non sodales neque sodales ut. Nibh praesent tristique magna sit amet purus gravida quis. Ultrices neque ornare aenean euismod elementum nisi quis. Potenti nullam ac tortor vitae purus faucibus ornare suspendisse. Velit egestas dui id ornare arcu odio ut sem. Amet nisl suscipit adipiscing bibendum est ultricies integer quis auctor. Enim sit amet venenatis urna. Nunc sed blandit libero volutpat sed cras ornare arcu. Pellentesque dignissim enim sit amet venenatis urna.

Quam elementum pulvinar etiam non. Nibh praesent tristique magna sit amet purus. Augue lacus viverra vitae congue eu. Bibendum est ultricies integer quis auctor elit sed. Tortor pretium viverra suspendisse potenti nullam ac tortor. Viverra orci sagittis eu volutpat odio facilisis mauris sit amet. Consectetur a erat nam at lectus urna. Senectus et netus et malesuada fames. Tincidunt arcu non sodales neque sodales ut. Nibh praesent tristique magna sit amet purus gravida quis. Ultrices neque ornare aenean euismod elementum nisi quis. Potenti nullam ac tortor vitae purus faucibus ornare suspendisse. Velit egestas dui id ornare arcu odio ut sem. Amet nisl suscipit adipiscing bibendum est ultricies integer quis auctor. Enim sit amet venenatis urna. Nunc sed blandit libero volutpat sed cras ornare arcu. Pellentesque dignissim enim sit amet venenatis urna.

Want to Learn More About
Risk Management?

Download Prevail’s Intro Guide To Personal Wealth Risk Management.

10 Ways to MInimize Risk & Maximize Asset Protection

We Make Financial Planning Stress-Free!

Our Team-Based Approach is Comprehensive & Easy

1

Learn About You

Your Vision
Your Objectives
Your Opportunities
Your Challenges
Your Entire Picture (ie. Business & personal)

2

Develop Custom Strategies

Based on your unique situation
Leverage our team of experts
Establish wealth creating strategies
Determine ideal source of asset transfer

3

Build Wealth

Agree on and implement strategies
Establish tracking tools
Communicate regularly
Support you with a financial BOD

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How Prevail is different.

At Prevail, managing money is more than financial. It’s personal. And it’s personalized. We never use a cookie cutter approach. Every client is different and so must be their approach to creating, growing, protecting, and distributing their wealth. The “model portfolio” where money is stacked in different funds (ex. conservative, balanced, value, growth, aggressive growth, etc.) isn’t necessarily a model for today. Today’s market is unique. And so are the needs of our clients. Since the economy, the world, and our individual situations can change at a break-neck speed, Prevail takes into account not only our clients’ risk tolerance and asset class diversification, but also their overall tax strategy—that layers in another level of protection of assets.

Active and strategic management.
Our portfolios are built from stocks that we have researched, analyzed, tracked, forecasted and tested And the strategic plan for how to leverage these investments is custom built for every client. In other words, we have flipped the typical business model on its head. Instead of employing a large number of RIAs (Registered Investment Investment Advisors Representative) to accumulate AUM (Assets Under Management), we’ve poured our resources into technical analysis to generate wealth creating opportunities for our clients. This provides our team with tremendous opportunities to help clients limit downside exposure in market down turns, and maximize upside during positive trends.

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