Injil Muhammad introduces a tax-efficient retirement distribution service to help pre-retirees optimize their income, protect assets, and enjoy financial security.

New York, United States - November 5, 2024 —

Injil Muhammad Presents “Retirement Preservation Plan” for Pre-Retirees in the U.S.

New York, USA – Injil Muhammad, CPA and founder of Madison Avenue Advisors, has launched the “Retirement Preservation Plan,” a tax-efficient retirement distribution service designed to support individuals aged 50-70 as they transition from the wealth accumulation phase to the critical wealth distribution phase. With a focus on preserving assets through tax-conscious distribution strategies, Muhammad draws on over 25 years in financial advisory to guide clients through challenges unique to retirement planning. This initiative aims to simplify and secure retiree income while ensuring sustainable growth, addressing the specific concerns of America’s 76 million pre-retirees as they look to safeguard their financial future.

The Distribution Phase: A New Focus for Pre-Retirees

The Retirement Preservation Plan responds to the needs of the 50-70 age demographic, a group that has spent years accumulating wealth but now faces the necessity of planning for long-term income. As life expectancy rises, so too does the need to balance income and assets with tax obligations and legacy planning. Muhammad’s approach represents a mindset shift for clients, emphasizing a retirement planning model where they dedicate up to 70% of their efforts to distribution-focused strategies, including tax planning to minimize depletion and preserve their savings. The remaining 30% of the planning prioritizes asset accumulation, creating a balanced approach that aligns with clients’ long-term dreams and financial security.

“For clients in this phase, having a clear path to minimize taxes and manage distributions is essential,” says Muhammad. “We’ve developed this service to address these unique challenges, allowing pre-retirees to keep more of their income and remain confident in their financial stability.”

A Tailored Strategy with “Three Buckets” for Maximum Asset Retention

The Retirement Preservation Plan introduces Muhammad’s “three buckets” approach to income—taxable, tax-deferred, and tax-free—enabling clients to select the best possible distribution sequence, reduce tax exposure, and extend asset life. This distribution methodology, rooted in tax-efficient choices, ensures that clients maximize their retirement income while minimizing tax obligations and the risk of outliving their savings. According to Muhammad, simple shifts in distribution timing and income allocation can have a substantial impact on long-term wealth retention, particularly for retirees facing estate taxes and required minimum distributions (RMDs).

From Overtaxed to Optimal: Applying Proven Principles in Practice

Following the release of his book, Overtaxed (2023), Muhammad’s approach has moved beyond theory to directly impact retirement planning for clients nationwide. Building on the concepts outlined in Overtaxed, Muhammad has expanded his advisory work to include case-based examples and tailored solutions that mitigate tax liabilities. The principles in the book underscore the importance of a structured yet flexible approach to wealth preservation, allowing retirees to manage asset depletion and tax burdens as they achieve a stable retirement.

As an advisor with Avantax®, Muhammad is positioned to utilize cutting-edge financial tools in risk assessment, market analysis, and planning techniques that align with clients’ retirement and distribution goals. As a trusted partner in managing assets, Madison Avenue Advisors focuses on helping clients understand not only “how” their distribution plan works, but also “why” it’s structured to support their needs.

Personalized Guidance and Assurance for Pre-Retirees

A hallmark of the Retirement Preservation Plan is its accessibility and personalization. Madison Avenue Advisors crafts plans tailored to each client, recognizing that the who is as vital as the what. Through focused service and straightforward explanations, they empower clients to make informed decisions about Social Security timing, Roth conversions, qualified charitable distributions (QCDs), and RMDs. “We aim to eliminate confusion around financial complexities,” Muhammad emphasizes. “By managing these intricacies for clients, we give them the space to focus on what matters most, assured that their finances are secure.”

Designed to address both the emotional and financial aspects of retirement, this personalized approach encourages clients to embrace the security of a well-managed, tax-efficient distribution phase. “It’s okay to spend your money—you’ve earned it,” says Muhammad. “Our role is to maximize it, so you can enjoy these prime years with confidence, knowing that your financial future is secure.”

About Madison Avenue Advisors
Madison Avenue Advisors, led by CPA and investment advisor representative Injil Muhammad, specializes in tax-optimized retirement planning and wealth management services. Serving individuals, families, and institutions nationwide, the firm is committed to providing clients with sustainable, tax-conscious financial solutions that support long-term asset growth and security.

Media Contact

Injil Muhammad
Madison Avenue Advisors
Email: injil@madisonavenueadvisors.com
Website: madisonavenueadvisors.com
LinkedIn: Injil Muhammad, CPA
Facebook: Injil Muhammad, CPA

Author of OVERTAXED, How to Escape Overpaying the IRS and get on the Road to Zero Taxation

Disclosure: Securities offered through Avantax Advisory Services℠ Member FINRA, SIPC (www.finra.org; www.sipc.org). Investment advisory services offered through Avantax Advisory Services℠. Insurance services offered through an Avantax affiliated insurance agency. Please visit www.avantaxwealthmanagement.com/social_policy for more information.

Contact Info:
Name: Injil Muhammad
Email: Send Email
Organization: Madison Avenue Advisors
Website: https://www.madisonavenueadvisors.com

Release ID: 89145439

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