Michael TrefelYour CD is the money you never worry about, and that is exactly the problem. We ran $100,000 through a CD and a MYGA at October 2026 rates, including the top rate in New Jersey, and traced where the extra money comes from.
Michael TrefelFlorida has no income tax, so the New Jersey tax bill stays behind when you move. Or does it? One day count and seven facts decide whether New Jersey still treats you as a resident, and what that means for annuity income.
Michael TrefelThe 401k, the index fund, the diversified portfolio. You were taught a system. Nobody told you who designed it, who benefits from it, or what the wealthy do differently. This post tells the story most financial advisors skip.
Michael TrefelMost retirement plans generate taxable income. The families who retire with the most financial flexibility are the ones who built tax-free income sources deliberately. This post breaks down the four sources and how they work together.