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Date: Thu, 27 Feb 2025 16:00:52 +0000 (UTC)
From: George Dimov <george@dimovtax.com>
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Message-ID: <lmurg07xwximhnnwzm9t6h8rw5000tg@convertkit-mail.com>
Subject: Your Future Self is Begging You to Read This
Feedback-ID: 16758017:80251:broadcast:CK
Precedence: bulk
To: SmartOne Inc <habib@smartonegroup.com>

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Hi,

Having worked in accounting my whole life, I have seem one major
topic of confusion: Retirement accounts.

Retirement planning is already complex=E2=80=94and without the right tax
strategy, you could be leaving serious money on the table.

* Which accounts should you fund first?
* How do you minimize taxes now and in retirement?
* Should you be prioritizing Roth over Traditional?
* What about estate planning? Who inherits your assets, and how
do you avoid excess taxes on your retirement savings?

We see these questions every day=E2=80=94and if they=E2=80=99re left unansw=
ered,
they can result in missed opportunities, unnecessary taxes, and
inefficient savings strategies.

=E2=80=8B

1=EF=B8=8F=E2=83=A3 Are You Contributing to the Right Retirement Accounts F=
irst?
----------------------------------------------------------------

Most people contribute to their 401(k) and IRA without
considering how to minimize future taxes. Additional points to
consider include:

=E2=80=8B
=E2=9C=85 Prioritize employer matches first =E2=80=93 Free money is free mo=
ney.
=E2=9C=85 Utilize a Roth IRA =E2=80=93 While a Roth IRA does not provide an
immediate tax deduction, all growth and distributions are
completely tax-free. We=E2=80=99ve seen 7 and 8-figure gains in Roth IRAs
withdrawn completely tax-free!=E2=80=8B
=E2=80=8B=E2=9C=85 Use a Spousal IRA (if applicable) =E2=80=93 A non-workin=
g spouse can
still contribute to an IRA based on household income, creating a
second tax-advantaged account.
=E2=9C=85 Use a Backdoor Roth if Your Income Exceeds Roth IRA Limits =E2=80=
=93
For high-income earners, a Backdoor Roth Conversion is still an
option.

=E2=80=8B

2=EF=B8=8F=E2=83=A3 Are You Paying Too Much in Taxes Now=E2=80=A6 or Later?
---------------------------------------------------

Most retirement accounts are either tax-deferred (Traditional
401(k)/IRA) or tax-free (Roth 401(k)/IRA). Many individuals don=E2=80=99t
balance their pre-tax vs. after-tax savings properly, leading to:
=E2=9D=8C Massive Required Minimum Distributions (RMDs) in retirement=E2=80=
=8B
=E2=80=8B=E2=9D=8C Higher Medicare premiums due to inflated taxable income=
=E2=80=8B
=E2=80=8B=E2=9D=8C A tax bomb on Social Security benefits
=E2=80=8B=E2=9C=85 Smart Strategy: Consider a mix of Roth and Traditional
accounts for tax flexibility in retirement.

=E2=80=8B

3=EF=B8=8F=E2=83=A3 Have You Planned for Taxes on Inheritance?
----------------------------------------------

Most people assume their estate will automatically pass to their
spouse or heirs without tax consequences=E2=80=94but that=E2=80=99s not alw=
ays
the case.
=E2=9D=8C Federal estate taxes can take up to 40% - but this is often
avoidable with correct estate & trust planning.=E2=80=8B
=E2=80=8B=E2=9D=8C Non-spouse beneficiaries (like siblings or children) cou=
ld owe
significant taxes on inherited assets.=E2=80=8B
=E2=80=8B=E2=9C=85 Proper planning now can prevent tax burdens for heirs an=
d
maximize wealth transfer.

=E2=80=8B

4=EF=B8=8F=E2=83=A3 Self-Employed or a Business Owner? You Have Even More O=
ptions
-----------------------------------------------------------------

If you=E2=80=99re self-employed, you have some of the best tax-advantaged
retirement options available:
=E2=9C=94 Solo 401(k) or SEP IRA =E2=80=93 You can contribute up to $70,000=
 for
2025=E2=80=94far more than a regular 401(k).
=E2=9C=94 Defined Benefit Plan =E2=80=93 For high-income earners, this can =
create
over $300k + in tax deductions per year.
=E2=9C=94 LLC Tax Structuring =E2=80=93 If you=E2=80=99re self-employed, ar=
e you paying
more in self-employment taxes than necessary? A proper structure
can optimize your tax burden.

=E2=80=8B

=F0=9F=94=8E Fix the Confusion & Create a Tax-Smart Plan
---------------------------------------------

If you haven=E2=80=99t coordinated your retirement savings strategy,
you=E2=80=99re likely overpaying in taxes or missing out on better
options.

=F0=9F=92=A1 Consider Booking a Strategy Session to go over:
=E2=9C=85 Where your current plan can be more efficient
=E2=80=8B=E2=9C=85 How to coordinate Roth, Traditional, and taxable account=
s for
max savings=E2=80=8B
=E2=80=8B=E2=9C=85 Tax-smart ways to plan for Social Security, RMDs, and
inheritance

=F0=9F=91=89 Since these take time to implement, please reply back to this
email within the next week if you need help.

=E2=80=8B
=E2=80=93

George Dimov CPA

info@dimovtax.com

(833) 829-1120 toll free

Unsubscribe (
https://unsubscribe.convertkit-mail.com/lmurg07xwximhnnwzm9t6h8rw5000tg
) | 211 E 43rd St Suite 7- 100, New York, NY 10017
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</head>
<body>
<div class=3D"message-content" style=3D"max-width:600px;margin:30px auto;fo=
nt-family:Arial, Helvetica, sans-serif;color:#333">
 <table cellpadding=3D"0" cellspacing=3D"0" style=3D"width:100%;margin:0 au=
to"><tbody><tr><td>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">Hi,</p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">Having worked in accounting my w=
hole life, I have seem one major topic of confusion: <strong>Retirement acc=
ounts</strong>. </p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif"><strong>Retirement planning</str=
ong> is already complex=E2=80=94and without the right tax strategy, you cou=
ld be leaving serious money on the table.</p>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;font-size:16px;li=
ne-height:1.5em;font-family:Arial, Helvetica, sans-serif">
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Which accounts =
should you fund first?</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>How do you mini=
mize taxes now <strong>and</strong> in retirement?</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Should you be p=
rioritizing Roth over Traditional?</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>What about esta=
te planning? Who inherits your assets, and how do you avoid excess taxes on=
 your retirement savings?</span></li>
</ul>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">We see these questions <strong>e=
very day</strong>=E2=80=94and if they=E2=80=99re left unanswered, they can =
result in <strong>missed opportunities, unnecessary taxes, and inefficient =
savings strategies.</strong></p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">=E2=80=8B</p>
<h3 class=3D""><strong>1=EF=B8=8F=E2=83=A3 Are You Contributing to the Righ=
t Retirement Accounts First?</strong></h3>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">Most people contribute to their =
<strong>401(k) and IRA</strong> without considering how to <strong>minimize=
 future taxes</strong>. Additional points to consider include:</p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">=E2=80=8B<br>=E2=9C=85 <strong>P=
rioritize employer matches first</strong> =E2=80=93 Free money is free mone=
y.<br>=E2=9C=85 <strong>Utilize a Roth IRA</strong> =E2=80=93 While a Roth =
IRA does not provide an immediate tax deduction, all growth and distributio=
ns are completely tax-free. We=E2=80=99ve seen 7 and 8-figure gains in Roth=
 IRAs withdrawn completely tax-free!<strong>=E2=80=8B<br>=E2=80=8B</strong>=
=E2=9C=85 <strong>Use a Spousal IRA (if applicable)</strong> =E2=80=93 A <s=
trong>non-working spouse</strong> can still contribute to an IRA based on h=
ousehold income, creating a second tax-advantaged account.<br>=E2=9C=85 <st=
rong>Use a Backdoor Roth </strong>if Your Income Exceeds Roth IRA Limits =
=E2=80=93 For high-income earners, a Backdoor Roth Conversion is still an o=
ption.</p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">=E2=80=8B</p>
<h3 class=3D""><strong>2=EF=B8=8F=E2=83=A3 Are You Paying Too Much in Taxes=
 Now=E2=80=A6 or Later?</strong></h3>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">Most retirement accounts are eit=
her <strong>tax-deferred (Traditional 401(k)/IRA) or tax-free (Roth 401(k)/=
IRA)</strong>. Many individuals don=E2=80=99t balance their pre-tax vs. aft=
er-tax savings properly, leading to:<br>=E2=9D=8C Massive <strong>Required =
Minimum Distributions</strong> (RMDs) in retirement<strong>=E2=80=8B<br>=E2=
=80=8B</strong>=E2=9D=8C Higher <strong>Medicare premiums</strong> due to i=
nflated taxable income<strong>=E2=80=8B<br>=E2=80=8B</strong>=E2=9D=8C A ta=
x bomb on <strong>Social Security benefits<br>=E2=80=8B</strong>=E2=9C=85 <=
strong>Smart Strategy:</strong> Consider a<strong> </strong>mix of Roth and=
 Traditional accounts for tax flexibility in retirement.</p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">=E2=80=8B</p>
<h3 class=3D""><strong>3=EF=B8=8F=E2=83=A3 Have You Planned for Taxes on In=
heritance?</strong></h3>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">Most people assume their estate =
will <strong>automatically</strong> pass to their spouse or heirs without t=
ax consequences=E2=80=94but that=E2=80=99s not always the case.<br>=E2=9D=
=8C Federal <strong>estate taxes</strong> can take up to 40% - but this is =
often avoidable with correct estate &amp; trust planning.<strong>=E2=80=8B<=
br>=E2=80=8B</strong>=E2=9D=8C Non-spouse beneficiaries (like siblings or c=
hildren) could owe significant taxes on inherited assets.<strong>=E2=80=8B<=
br>=E2=80=8B</strong>=E2=9C=85 <strong>Proper planning</strong> now can pre=
vent tax burdens for heirs and maximize wealth transfer.</p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">=E2=80=8B</p>
<h3 class=3D""><strong>4=EF=B8=8F=E2=83=A3 Self-Employed or a Business Owne=
r? You Have Even More Options</strong></h3>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">If you=E2=80=99re self-employed,=
 you have some of the best tax-advantaged retirement options available:<br>=
=E2=9C=94 <strong>Solo 401(k) or SEP IRA</strong> =E2=80=93 You can contrib=
ute <strong>up to $70,000 for 2025</strong>=E2=80=94far more than a regular=
 401(k).<br>=E2=9C=94 <strong>Defined Benefit Plan</strong> =E2=80=93 For h=
igh-income earners, this can create over <strong>$300k + in tax deductions =
per year</strong>.<br>=E2=9C=94 <strong>LLC Tax Structuring</strong> =E2=80=
=93 If you=E2=80=99re self-employed, are you paying more in self-employment=
 taxes than necessary? A proper structure can optimize your tax burden.</p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">=E2=80=8B</p>
<h3 class=3D""><strong>=F0=9F=94=8E Fix the Confusion &amp; Create a Tax-Sm=
art Plan</strong></h3>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">If you haven=E2=80=99t coordinat=
ed your retirement savings strategy, you=E2=80=99re likely overpaying in ta=
xes or missing out on better options.</p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">=F0=9F=92=A1 Consider Booking a =
Strategy Session to go over:<br>=E2=9C=85 Where your current plan can be <s=
trong>more efficient<br>=E2=80=8B</strong>=E2=9C=85 How to <strong>coordina=
te Roth, Traditional, and taxable accounts </strong>for max savings<strong>=
=E2=80=8B<br>=E2=80=8B</strong>=E2=9C=85 Tax-smart ways to plan for <strong=
>Social Security, RMDs, and inheritance</strong></p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">=F0=9F=91=89 Since these take ti=
me to implement, please reply back to this email within<strong> the next we=
ek</strong> if you need help.</p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">=E2=80=8B<br>=E2=80=93 </p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">George Dimov CPA </p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">info@dimovtax.com</p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">(833) 829-1120 toll free</p>
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