RETIREMENT THINKING

Business owners, is your tax plan the same one everyone else uses? Is it a Tax Payment Plan or a Tax Surrender Plan? If it is, and that bothers you, then you will be glad to know there are options. The tax code was written for small business owners. Isn't it time to reconsider the same old, worn-out advice that everyone else is following and consider a new plan that will reduce your taxes and let you keep and use more of your hard-earned money? Gaining an edge on taxes will help you improve your retirement life in a significant way. Why not start now? Watch this video to find out how. Contact Information: Blueprint Retirement Advisors LLC is a registered investment advisor registered in Texas and California. www.blueprintra.com | Phone: 682-324-2583 | Mike@BlueprintRA.com Links: 1. Plate Spinner Henrik Bothe: https://www.youtube.com/watch?v=k44uoVm0lPI 2. Tax Deductions: https://www.nerdwallet.com/article/small-business/small-business-tax-deductions-guide 3. Tax Deferred Accounts: https://www.thebalance.com/tax-deferred-savings-account-and-investments-2388988 4. Tax Increases: https://www.forbes.com/sites/steveforbes/2022/02/18/manchin-like-tax-hikes-wont-fight-inflation-what-investors-need-to-know/?sh=87541ba6fa07 5. Internal Revenue Code: https://www.irs.gov/privacy-disclosure/tax-code-regulations-and-official-guidance Disclosure: The views expressed herein are exclusively those of Mike Wilson and Blueprint Retirement Advisors, LLC (BRA), and are not meant as investment advice and are subject to change. All charts and graphs are presented for informational and analytical purposes only. No chart or graph is intended to be used as a guide to investing. BRA recommended portfolios may contain specific securities that have been mentioned herein. BRA makes no claim as to the suitability of these securities. Past performance is not a guarantee of future performance. Information contained herein is derived from sources we believe to be reliable, however, we do not represent that this information is complete or accurate and it should not be relied upon as such. All opinions expressed herein are subject to change without notice. This information is prepared for general information only. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. You should seek financial advice regarding the appropriateness of investing in any security or investment strategy discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. You should note that security values may fluctuate and that each security’s price or value may rise or fall. Accordingly, investors may receive back less than originally invested. Investing in any security involves certain systematic risks including, but not limited to, market risk, interest-rate risk, inflation risk, and event risk. These risks are in addition to any unsystematic risks associated with particular investment styles or strategies.

Do you stand a chance against all the crazy spending in Washington DC? Spending is out of control in Washington DC. The only reasonable conclusion is that taxes will have to be raised to cover the $30 Trillion debt we now have. This debt will certainly affect your retirement plan so how you deal with the taxes now and the taxes later will make a huge difference. Despite all the gloomy news, there are reasons you can still have a strong retirement. Watch this video for practical advice about how to gain an edge in the tax arena. Contact Information: Blueprint Retirement Advisors LLC is a registered investment advisor registered in Texas and California. www.blueprintra.com | Phone: 682-324-2583 | Mike@BlueprintRA.com Data Links: 1. https://taxfoundation.org/corporate-tax-collections-2021/ 2. https://datalab.usaspending.gov/americas-finance-guide/spending/ 3. https://www.statista.com/statistics/273294/public-debt-of-the-united-states-by-month/ Resource Links: 1. https://www.nbcnews.com/politics/congress/house-vote-short-term-government-spending-bill-rcna15355 2. https://www.businessinsider.com/personal-finance/best-credit-cards 3. https://www.forbes.com/sites/andrewtisch/2022/02/15/how-magical-thinking-led-america-to-30-trillion-in-debt/?sh=6079fea66118 4. https://www.statista.com/statistics/940498/assets-retirement-plans-by-type-usa/ 5. https://www.yourcentralvalley.com/digital-exclusive/no-drunk-bingo-allowed-in-fresno-according-to-city-code/ 6. https://kesq.com/news/2021/09/29/watch-live-2021-congressional-baseball-game/ 7. https://www.vanguard.com/pdf/ISGQVAA.pdf 8. https://www.bresslercompany.com/2015/04/tax-money-on-the-table/ 9. https://cbsaustin.com/news/coronavirus/ap-sources-white-house-seeks-another-30b-for-covid-battle Disclosure: The views expressed herein are exclusively those of Mike Wilson and Blueprint Retirement Advisors, LLC (BRA), and are not meant as investment advice and are subject to change. All charts and graphs are presented for informational and analytical purposes only. No chart or graph is intended to be used as a guide to investing. BRA recommended portfolios may contain specific securities that have been mentioned herein. BRA makes no claim as to the suitability of these securities. Past performance is not a guarantee of future performance. Information contained herein is derived from sources we believe to be reliable, however, we do not represent that this information is complete or accurate and it should not be relied upon as such. All opinions expressed herein are subject to change without notice. This information is prepared for general information only. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. You should seek financial advice regarding the appropriateness of investing in any security or investment strategy discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. You should note that security values may fluctuate and that each security’s price or value may rise or fall. Accordingly, investors may receive back less than originally invested. Investing in any security involves certain systematic risks including, but not limited to, market risk, interest-rate risk, inflation risk, and event risk. These risks are in addition to any unsystematic risks associated with particular investment styles or strategies.

Do you have a 401k or an IRA? The IRS just changed the rules for Required Minimum Distributions from your tax-deferred retirement accounts. Is this a good thing? How can you know if taking the minimum distribution is the right thing for you? Watch this video and find out whether the IRS did you a favor or not. I'll tell you what you should consider and how you can figure out what to do. Enjoy! Subscribe to Retirement Thinking for more videos to help you as you consider your own retirement plans. Contact Information: Blueprint Retirement Advisors LLC is a registered investment advisor registered in Texas and California. www.blueprintra.com | Phone: 682-324-2583 | Mike@BlueprintRA.com LINKS: 1. https://www.currentfederaltaxdevelopments.com/blog/2020/11/7/final-regulations-modify-tables-for-computing-rmds-effective-beginning-in-2022 2. https://www.bloomberg.com/news/articles/2021-04-22/biden-to-propose-capital-gains-tax-as-high-as-43-4-for-wealthy 3. https://public-inspection.federalregister.gov/2020-24723.pdf 4. https://www.everything-birthday.com/date/january-1-2022 5. https://www.taxpolicycenter.org/briefing-book/how-did-tax-cuts-and-jobs-act-change-personal-taxes Disclosure: The views expressed herein are exclusively those of Mike Wilson and Blueprint Retirement Advisors, LLC (BRA), and are not meant as investment advice and are subject to change. All charts and graphs are presented for informational and analytical purposes only. No chart or graph is intended to be used as a guide to investing. BRA recommended portfolios may contain specific securities that have been mentioned herein. BRA makes no claim as to the suitability of these securities. Past performance is not a guarantee of future performance. Information contained herein is derived from sources we believe to be reliable, however, we do not represent that this information is complete or accurate and it should not be relied upon as such. All opinions expressed herein are subject to change without notice. This information is prepared for general information only. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. You should seek financial advice regarding the appropriateness of investing in any security or investment strategy discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. You should note that security values may fluctuate and that each security’s price or value may rise or fall. Accordingly, investors may receive back less than originally invested. Investing in any security involves certain systematic risks including, but not limited to, market risk, interest-rate risk, inflation risk, and event risk. These risks are in addition to any unsystematic risks associated with particular investment styles or strategies.

Have you ever wondered if Social Security will be there when you retire? Many people have and the news around this subject can be scary, leading you to believe that you might not be able to rely on Social Security for your retirement income. This video will answer this question for you, highlighting the exact steps that can be taken by the federal government to make sure Social Security doesn't fail you. A strong retirement depends on coordinating your Social Security benefits with all of your other retirement savings and assets. Working with a financial planner can help you achieve the best outcome for your retirement and you can reach out to me to start that conversation. Subscribe to Retirement Thinking for more videos to help you as you consider your own retirement plans. Contact Information: Blueprint Retirement Advisors LLC is a registered investment advisor registered in Texas and California. www.blueprintra.com | Phone: 682-324-2583 | Mike@BlueprintRA.com LINKS: 1. https://www.ssa.gov/policy/docs/ssb/v70n3/v70n3p111.html 2. https://www.ssa.gov/benefits/retirement/planner/maxtax.html Disclosure: The views expressed herein are exclusively those of Mike Wilson and Blueprint Retirement Advisors, LLC (BRA), and are not meant as investment advice and are subject to change. All charts and graphs are presented for informational and analytical purposes only. No chart or graph is intended to be used as a guide to investing. BRA recommended portfolios may contain specific securities that have been mentioned herein. BRA makes no claim as to the suitability of these securities. Past performance is not a guarantee of future performance. Information contained herein is derived from sources we believe to be reliable, however, we do not represent that this information is complete or accurate and it should not be relied upon as such. All opinions expressed herein are subject to change without notice. This information is prepared for general information only. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. You should seek financial advice regarding the appropriateness of investing in any security or investment strategy discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. You should note that security values may fluctuate and that each security’s price or value may rise or fall. Accordingly, investors may receive back less than originally invested. Investing in any security involves certain systematic risks including, but not limited to, market risk, interest-rate risk, inflation risk, and event risk. These risks are in addition to any unsystematic risks associated with particular investment styles or strategies.

How many times have you heard people talking about paying off their mortgage early by making one extra payment? Is it a good idea or not? Whether or not it's a good idea for you should be examined in a full financial planning process. No one strategy is best for everyone. However, if you're willing to get the bank out of your house, you might also want the IRS out of your retirement plan too. Checking with a financial planner who can show the numbers is a great idea and I'd be happy to help you with that analysis. Subscribe to Retirement Thinking for more videos to help you as you consider your own retirement plans. Blueprint Retirement Advisors LLC is a registered investment advisor registered in Texas and California. www.blueprintra.com | Phone: 682-324-2583 | Mike@BlueprintRA.com LINKS: 1. https://www.mortgagecalculator.org/calculators/what-if-i-pay-more-calculator.php#top 2. https://youtu.be/RJ1CIfVnKsM Disclosure: The views expressed herein are exclusively those of Mike Wilson and Blueprint Retirement Advisors, LLC (BRA), and are not meant as investment advice and are subject to change. All charts and graphs are presented for informational and analytical purposes only. No chart or graph is intended to be used as a guide to investing. BRA recommended portfolios may contain specific securities that have been mentioned herein. BRA makes no claim as to the suitability of these securities. Past performance is not a guarantee of future performance. Information contained herein is derived from sources we believe to be reliable, however, we do not represent that this information is complete or accurate and it should not be relied upon as such. All opinions expressed herein are subject to change without notice. This information is prepared for general information only. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. You should seek financial advice regarding the appropriateness of investing in any security or investment strategy discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. You should note that security values may fluctuate and that each security’s price or value may rise or fall. Accordingly, investors may receive back less than originally invested. Investing in any security involves certain systematic risks including, but not limited to, market risk, interest-rate risk, inflation risk, and event risk. These risks are in addition to any unsystematic risks associated with particular investment styles or strategies.

Ignoring the evidence can be detrimental to your retirement plan! Don't do it! There is a great deal of misinformation in the media that can lead to you doing things that are not in your best interest, while those publishing the misinformation remain untouched by it. Please be careful and look at the real numbers and then, consider your own plan to make sure you have the best chance at the success you are hoping for. Working with a planner can also help you discover whether or not you are acting on evidence and taking the steps to make your retirement as efficient as possible. If you haven't taken that step I highly encourage you to do so today! Watch this video to learn more and reach out to me to find out how easy it is to begin a retirement planning discussion. Subscribe to Retirement Thinking for more videos to help you as you consider your own retirement plans. Blueprint Retirement Advisors LLC is a registered investment advisor registered in Texas and California. www.blueprintra.com | Phone: 682-324-2583 | Mike@BlueprintRA.com LINKS: 1. https://www.youtube.com/watch?v=EbnWbdR9wSY 2. https://www.nytimes.com/2017/01/04/upshot/its-time-to-ignore-advice-about-which-stocks-to-buy-in-2017.html Disclosure: The views expressed herein are exclusively those of Mike Wilson and Blueprint Retirement Advisors, LLC (BRA), and are not meant as investment advice and are subject to change. All charts and graphs are presented for informational and analytical purposes only. No chart or graph is intended to be used as a guide to investing. BRA recommended portfolios may contain specific securities that have been mentioned herein. BRA makes no claim as to the suitability of these securities. Past performance is not a guarantee of future performance. Information contained herein is derived from sources we believe to be reliable, however, we do not represent that this information is complete or accurate and it should not be relied upon as such. All opinions expressed herein are subject to change without notice. This information is prepared for general information only. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. You should seek financial advice regarding the appropriateness of investing in any security or investment strategy discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. You should note that security values may fluctuate and that each security’s price or value may rise or fall. Accordingly, investors may receive back less than originally invested. Investing in any security involves certain systematic risks including, but not limited to, market risk, interest-rate risk, inflation risk, and event risk. These risks are in addition to any unsystematic risks associated with particular investment styles or strategies.