Get Me to ZERO: Use the 2021 I.R.S. Tax Code to Pay as Little as ZERO Income Taxes During Retirement and Have a Better Life

FULLY UPDATED for the 2026 TAX Laws, Tax Tables, and more


Whose retirement are you planning for—YOURS... OR Uncle Sam’s?

It’s your choice. I’m planning to pay as little as ZERO income taxes in my retirement. How about you?

Get Me to ZERO™ describes seven synergistic tax strategies to help you legally get your future assets and cash flow off the IRS’s radar screen and pay as little as ZERO income taxes during retirement.

My book explains how implementing these seven proven tax strategies can offer up to 20%-40% more spendable retirement income than traditional 401(k)s, TSPs, 403(b)s, and IRAs.

Of course, ROTH contributions and conversions are fully discussed. Those are 2 of the 7 strategies. Also described is an amazing, little-known, tax-free strategy of using OPM (Other People’s Money) to fund your TAX-FREE retirement!

I’ve been a practicing Certified Financial Planner™ (CFP®) for over 25 years, serving clients across the country.
Most of them I’ve never met.

My financial planning practice and this book are centered on these firm beliefs:

1) People should not pay a dime more in taxes than the law requires
2) Nor should they take an ounce more risk than necessary to reach their financial goals.

Judge Learned Hand, a federal district and appellate judge for more than 50 years, is said to have been the most influential judge in the U.S. who never sat on the Supreme Court.

Judge Hand said, “Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury. There is not even a patriotic duty to increase one's taxes.”

“Over and over again, the Courts have said that there is nothing sinister in so arranging affairs to keep taxes as low as possible. Everyone does it, rich and poor alike, for nobody owes any public duty to pay more than the law demands."

That, in a nutshell, is the legal basis for the Get Me to ZERO™ strategies. Proactively and systematically arranging our financial affairs so that our future income taxes will be as low as possible.

And this book is not about tax loopholes! Not one strategy is a loophole.

Author Tom Wheelwright (he’s Rich Dad Poor Dad’s personal CPA) says, “After all, the tax law is really a map - a treasure map. As you follow this map, your taxes go down."

The more sources of non-taxable retirement cash flow—the better. Use the full tax code to make as much of your retirement cash flow legally “invisible” to the IRS. There is not even a line for these tax-free incomes on your 1040 tax form. None.

If we can’t eliminate future income taxes in retirement, we at least want to minimize them by becoming fully informed. Proactively using the tax code as it is written and intended is legal tax avoidance—NOT tax evasion.

Does your current retirement planning include planning for future income taxes? Do you have a tax-smart exit strategy for your 401K and IRA so that you can spend and enjoy more of your hard-earned savings—and pay the IRS less?

The primary goal of this book is to show people how to implement a holistic and comprehensive planning approach that employs several tax-diverse strategies to help people become more financially confident and secure today while preparing for an extraordinary retirement.

Be tax savvy. Pay the IRS less. Keep more and have a better life!

Fully UPDATED for 2026 with the NEW TAX LAWS, TAX TABLES, etc.

[cash value life insurance, IUL, reverse mortgages, QCD, home exemption, muni bonds, Social Security taxation, etc.]

Whose retirement are you planning for... YOURS or Uncle Sam's?