{"id":7,"date":"2026-01-14T21:43:23","date_gmt":"2026-01-14T21:43:23","guid":{"rendered":"https:\/\/test.visionarybuilt.com\/?page_id=7"},"modified":"2026-01-14T23:33:53","modified_gmt":"2026-01-14T23:33:53","slug":"home","status":"publish","type":"page","link":"https:\/\/test.visionarybuilt.com\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7\" class=\"elementor elementor-7\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97f3209 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"97f3209\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cb892f elementor-widget elementor-widget-video\" data-id=\"2cb892f\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;autoplay&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<iframe class=\"elementor-video-iframe\" allowfullscreen allow=\"autoplay\" title=\"vimeo Video Player\" src=\"https:\/\/player.vimeo.com\/video\/1154490314?autoplay=1&amp;color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=1&amp;portrait=1&amp;byline=1#t=\"><\/iframe>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bb9633 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"1bb9633\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85cca88 elementor-widget elementor-widget-heading\" data-id=\"85cca88\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Are you aware that you could save Thousands or even Millions of dollars, just by converting your Traditional IRA\u2019s or 401(k)s to MSB Life &amp; Wealth Management Accounts?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca7633a elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"ca7633a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is it True,\u2026.. I never have to pay taxes on<\/br>\nincome or be forced to take Required Minimum<\/br>\nDistributions (RMDs)?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6194b4 elementor-widget elementor-widget-button\" data-id=\"e6194b4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">I\u2019m Interested<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03dbe7e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"03dbe7e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f3026b4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"f3026b4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2c889f elementor-widget elementor-widget-heading\" data-id=\"a2c889f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why should I convert my IRA\u2019s to MSB Life &amp; Wealth Management? Won\u2019t my tax bill be outrageous? Is it really worth it?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1edc90100 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"1edc90100\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-35a98eb7\" data-id=\"35a98eb7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f0bc195 elementor-widget elementor-widget-heading\" data-id=\"2f0bc195\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Mission &amp; Expertise<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18f30994 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"18f30994\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-539c11f2\" data-id=\"539c11f2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1e7afaad elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"1e7afaad\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5be8fb42 elementor-invisible\" data-id=\"5be8fb42\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;zoomIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e0a3a77 wpr-flip-box-animation-flip wpr-flip-box-animation-3d-yes wpr-flip-box-anim-direction-right wpr-flip-box-front-align-center wpr-flip-box-back-align-center elementor-widget elementor-widget-wpr-flip-box\" data-id=\"2e0a3a77\" data-element_type=\"widget\" data-widget_type=\"wpr-flip-box.default\">\n\t\t\t\t\t\t\t\t\n\t\t<div class=\"wpr-flip-box\" data-trigger=\"hover\">\n\t\t\t\n\t\t\t<div class=\"wpr-flip-box-item wpr-flip-box-front wpr-anim-timing-ease-default\">\n\n\t\t\t\t<div class=\"wpr-flip-box-overlay\"><\/div>\n\n\t\t\t\t<div class=\"wpr-flip-box-content\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-flip-box-image\">\n\t\t\t\t\t\t<img decoding=\"async\" alt=\"\" src=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/icon-17.png\" >\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"wpr-flip-box-title\">Our Mission<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-flip-box-description\">At MSB Life &amp; Wealth Management, we are committed to providing our clients with the best \"Financial Retirement Solutions\" to meet their needs. Our mission is to help \"Make Your Money Outlive You.\"<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t\n\n\t\t\t\t\t\t\n\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"wpr-flip-box-item wpr-flip-box-back wpr-anim-timing-ease-default\">\n\n\t\t\t\t<div class=\"wpr-flip-box-overlay\"><\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"wpr-flip-box-content\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class=\"wpr-flip-box-link\" href=\"#\"><\/a>\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"wpr-flip-box-title\">\n\t\t\t\t\t\t\tOur Mission\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-flip-box-description\">At MSB Life &amp; Wealth Management, we are committed to providing our clients with the best \"Financial Retirement Solutions\" to meet their needs. Our mission is to help \"Make Your Money Outlive You.\"\n<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t\n\n\t\t\t\t\t\t\n\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6f4e4c86 elementor-invisible\" data-id=\"6f4e4c86\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;zoomIn&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a02f11d wpr-flip-box-animation-flip wpr-flip-box-animation-3d-yes wpr-flip-box-anim-direction-right wpr-flip-box-front-align-center wpr-flip-box-back-align-center elementor-widget elementor-widget-wpr-flip-box\" data-id=\"1a02f11d\" data-element_type=\"widget\" data-widget_type=\"wpr-flip-box.default\">\n\t\t\t\t\t\t\t\t\n\t\t<div class=\"wpr-flip-box\" data-trigger=\"hover\">\n\t\t\t\n\t\t\t<div class=\"wpr-flip-box-item wpr-flip-box-front wpr-anim-timing-ease-default\">\n\n\t\t\t\t<div class=\"wpr-flip-box-overlay\"><\/div>\n\n\t\t\t\t<div class=\"wpr-flip-box-content\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-flip-box-image\">\n\t\t\t\t\t\t<img decoding=\"async\" alt=\"\" src=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/icon-15.png\" >\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"wpr-flip-box-title\">Our Expertise<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-flip-box-description\">With over 42 years of experience in the investment and insurance industry, our experts have the knowledge and skills to help you find the best financial products to solve whatever needs and goals that are most important to you . We have helped thousands of clients find the highest rated and lowest cost solutions to all their financial needs.<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t\n\n\t\t\t\t\t\t\n\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"wpr-flip-box-item wpr-flip-box-back wpr-anim-timing-ease-default\">\n\n\t\t\t\t<div class=\"wpr-flip-box-overlay\"><\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"wpr-flip-box-content\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class=\"wpr-flip-box-link\" href=\"#\"><\/a>\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"wpr-flip-box-title\">\n\t\t\t\t\t\t\tOur Expertise\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-flip-box-description\">With over 42 years of experience in the investment and insurance industry, our experts have the knowledge and skills to help you find the best financial products to solve whatever needs and goals that are most important to you . We have helped thousands of clients find the highest rated and lowest cost solutions to all their financial needs.\n<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t\n\n\t\t\t\t\t\t\n\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-bcd5381 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"bcd5381\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2a0bc3d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"2a0bc3d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-984a646 elementor-widget elementor-widget-image\" data-id=\"984a646\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2048\" height=\"1080\" src=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Roth-Relief-Website-Spanish-couple-high-resolution-1-2048x1080-1.webp\" class=\"attachment-full size-full wp-image-32\" alt=\"\" srcset=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Roth-Relief-Website-Spanish-couple-high-resolution-1-2048x1080-1.webp 2048w, https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Roth-Relief-Website-Spanish-couple-high-resolution-1-2048x1080-1-300x158.webp 300w, https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Roth-Relief-Website-Spanish-couple-high-resolution-1-2048x1080-1-1024x540.webp 1024w, https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Roth-Relief-Website-Spanish-couple-high-resolution-1-2048x1080-1-768x405.webp 768w, https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Roth-Relief-Website-Spanish-couple-high-resolution-1-2048x1080-1-1536x810.webp 1536w\" sizes=\"(max-width: 2048px) 100vw, 2048px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cfea080 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"cfea080\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-334720a elementor-widget elementor-widget-text-editor\" data-id=\"334720a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Never pay taxes on earning\u2026.ever again.<\/li><li>Never be required to pay Required Minimum Distributions (RMDs).<\/li><li>Never get taxed on cash distributions.<\/li><li>Give your heirs 100% of their inheritance.<\/li><li>Take out as much as you want, without being bumped in a higher tax bracket.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cd62aa elementor-widget elementor-widget-button\" data-id=\"9cd62aa\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">I\u2019m Interested<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d6f9275 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"d6f9275\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9aae7c5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"9aae7c5\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10624f2 elementor-widget elementor-widget-heading\" data-id=\"10624f2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Action Steps are required to minimize or eliminate my \u201cOut of Pocket\u201d costs for converting my IRAs to MSB Life &amp; Wealth Management?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a77a22d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"a77a22d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0a4878e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"0a4878e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6deceb elementor-widget elementor-widget-text-editor\" data-id=\"b6deceb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>\n<div class=\"elementor-element elementor-element-98291ae e-con-full border-div e-flex e-con e-child\" data-id=\"98291ae\" data-element_type=\"container\">\n<div class=\"elementor-element elementor-element-931a253 elementor-widget elementor-widget-heading\" data-id=\"931a253\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n<div class=\"elementor-widget-container\">\n<h3><strong><b>1st<\/b><\/strong><\/h3>\nYour MSB Life &amp; Wealth Management\u00a0expert will give you a \u201cFinancial Physical\u201d, recording and analyzing all your current retirement accounts, including IRAs, MSB Life &#038; Wealth Management, 401(k)s, brokerage accounts, insurance policies and any non-qualified savings.\n<h3><strong><b>2nd<\/b><\/strong><\/h3>\nYour MSB Life &amp; Wealth Management\u00a0Expert will crunch a bunch of numbers, compare dozens of different investment options that will eventually lead to the best solution to your specific needs and goals.\n<h3><strong><b>3rd<\/b><\/strong><\/h3>\nYour MSB Life &amp; Wealth Management\u00a0Expert, will provide you with a structured plan that will clearly show you when and how to convert your IRAs to MSB Life &#038; Wealth Management accounts, while minimizing or eliminating any tax costs.\u00a0\u00a0 They will also recommend that you seek a tax professional to verify that their strategy and process is IRS compliant.\n<h3><strong><b>4th<\/b><\/strong><\/h3>\nAssuming you have substantial cash on hand, and already have started saving significant dollars in a MSB Life &#038; Wealth Management, your MSB Life &amp; Wealth Management\u00a0expert can convert some or all of your traditional\u00a0 IRAs\/401(k)s into a MSB Life &#038; Wealth Management, and then convert all the cash necessary to pay the tax bill into a MSB Life &#038; Wealth Management, as well!!!!\n\n<\/div>\n<\/div>\n<\/div><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb54e6a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"fb54e6a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-523e9fa elementor-widget elementor-widget-image\" data-id=\"523e9fa\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"652\" height=\"1024\" src=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/My-best-professional-pic-1-652x1024-1.webp\" class=\"attachment-full size-full wp-image-33\" alt=\"\" srcset=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/My-best-professional-pic-1-652x1024-1.webp 652w, https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/My-best-professional-pic-1-652x1024-1-191x300.webp 191w\" sizes=\"(max-width: 652px) 100vw, 652px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ca4792 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"5ca4792\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7e860c3 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7e860c3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a72394d elementor-widget elementor-widget-image\" data-id=\"a72394d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"690\" height=\"458\" src=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Website-Home-page-couple-pic-1.jpg\" class=\"attachment-full size-full wp-image-34\" alt=\"\" srcset=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Website-Home-page-couple-pic-1.jpg 690w, https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Website-Home-page-couple-pic-1-300x199.jpg 300w\" sizes=\"(max-width: 690px) 100vw, 690px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d68538b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"d68538b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-315fcf6 elementor-widget elementor-widget-heading\" data-id=\"315fcf6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Basically, if you answer \u201cYES\u201d to any of these questions, you are a good candidate for our MSB Life &amp; Wealth Management Program.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ed1f27 elementor-widget elementor-widget-text-editor\" data-id=\"0ed1f27\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div id=\"do-i-qualify\" class=\"elementor-element elementor-element-ba5013f e-flex e-con-boxed e-con e-parent e-lazyloaded\" data-id=\"ba5013f\" data-element_type=\"container\"><div class=\"e-con-inner\"><div class=\"elementor-element elementor-element-33ae1fd e-con-full e-flex e-con e-child\" data-id=\"33ae1fd\" data-element_type=\"container\"><div class=\"elementor-element elementor-element-c52751b elementor-widget elementor-widget-text-editor\" data-id=\"c52751b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><ul><li><span style=\"color: #000000;\">Are you concerned with increasing tax rates?<\/span><\/li><li><span style=\"color: #000000;\">Do you have substantial savings in fully taxable IRAs or 401(k)?<\/span><\/li><li><span style=\"color: #000000;\">Due to your successful savings, are you already exposed to maximum tax rates?<\/span><\/li><li><span style=\"color: #000000;\">Are you concerned about the next market crash and potentially losing 25\u201350% of your retirement savings?<\/span><\/li><li><span style=\"color: #000000;\">Do you feel it\u2019s unfair that you may be required to take out some of your IRAs or 401(k) as a Required Minimum Distribution (RMD)?<\/span><\/li><li><span style=\"color: #000000;\">Would you like to never pay taxes again on any of your retirement savings?<\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><div id=\"cost-to-convert\" class=\"elementor-element elementor-element-576556c e-flex e-con-boxed e-con e-parent e-lazyloaded\" data-id=\"576556c\" data-element_type=\"container\"><div class=\"e-con-inner\">\u00a0<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38ce204 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"38ce204\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1e7c4 elementor-widget elementor-widget-heading\" data-id=\"5c1e7c4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much will it actually cost us to Convert some or all of IRAs to MSB Life &amp; Wealth Management\u2026..right now!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ad3065 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"8ad3065\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a7d2434 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"a7d2434\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37140b4 elementor-widget elementor-widget-text-editor\" data-id=\"37140b4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1fe206b elementor-widget elementor-widget-text-editor\" data-id=\"1fe206b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<h3><span style=\"color: #000000;\"><strong><b>With <\/b><\/strong><strong><b>MSB Life &amp; Wealth Management<\/b><\/strong><strong><b>, even if you make over $750,000 of Joint Net Income,<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>converting $1 million from an IRA to a MSB Life &#038; Wealth Management will only cost you a maximum of\u00a07%\u00a0out of pocket..\u00a0<\/b><\/strong><\/span><\/h3>\n<h4><span style=\"color: #000000;\"><strong><em><u><b><i>\u201cIf we utilize your existing <\/i><\/b><\/u><\/em><\/strong><strong><em><u><b><i>MSB Life &amp; Wealth Management<\/i><\/b><\/u><\/em><\/strong><strong><em><u><b><i>\u00a0<\/i><\/b><\/u><\/em><\/strong><strong><em><u><b><i>accounts, that are more than 5 years old, its possible we can reduce your tax burden to Zero!\u201d<\/i><\/b><\/u><\/em><\/strong><\/span><\/h4>\n<h4><span style=\"color: #d88f39;\"><strong><b>Without using our <\/b><\/strong><strong><b>MSB Life &amp; Wealth Management<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>Program, you could pay as much as\u00a0<\/b><\/strong><strong><u><b>37%<\/b><\/u><\/strong><strong><b>\u00a0to Uncle Sam!<\/b><\/strong><\/span><\/h4>\nThis tool will determine how much of your IRA we can convert to a MSB Life &amp; Wealth Management, with minimal to zero\u00a0reductions to your Net Worth.\n\n(Let\u2019s\u00a0say you have:\n\n$375,000 in a MSB Life &amp; Wealth Management<strong><b>\u00a0<\/b><\/strong>and $800,000 in an IRA, &amp; $325,000 in a money market = $1,500,000\u00a0liquid net worth.\n\nAfter our conversion process you could have:\n\n$461,000 in a MSB Life &amp; Wealth Management and $984,000 in an IRA, &amp; $55,000 in a money market =\u00a0$1,500,000 liquid net worth after conversion and all taxes are paid.\n\nAnd afterwards you have another $1,070,000 in a Never Taxed Again \u2013 MSB Life &amp; Wealth Management\u00a0IRA!\n\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a49f2f elementor-widget elementor-widget-button\" data-id=\"9a49f2f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SHOW ME<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ed39f4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6ed39f4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9ad2c5 elementor-widget elementor-widget-image\" data-id=\"c9ad2c5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"585\" src=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/tax-cut-balloon1-1024x585-1.webp\" class=\"attachment-full size-full wp-image-35\" alt=\"\" srcset=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/tax-cut-balloon1-1024x585-1.webp 1024w, https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/tax-cut-balloon1-1024x585-1-300x171.webp 300w, https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/tax-cut-balloon1-1024x585-1-768x439.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ae228f elementor-widget elementor-widget-image\" data-id=\"7ae228f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"585\" src=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Federal-tax-calculation-1024x585-1.webp\" class=\"attachment-full size-full wp-image-36\" alt=\"\" srcset=\"https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Federal-tax-calculation-1024x585-1.webp 1024w, https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Federal-tax-calculation-1024x585-1-300x171.webp 300w, https:\/\/test.visionarybuilt.com\/wp-content\/uploads\/2026\/01\/Federal-tax-calculation-1024x585-1-768x439.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-295b2b5d0 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"295b2b5d0\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b69d4de\" data-id=\"7b69d4de\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a34606 elementor-widget elementor-widget-heading\" data-id=\"5a34606\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are my clients saying about MSB Life &amp; Wealth Management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f22923d wpr-testimonial-meta-position-left wpr-testimonial-slider-columns--tablet1 wpr-testimonial-slider-columns-2 wpr-testimonial-slider-columns--mobile1 wpr-testimonial-rating-style_2 wpr-testimonial-meta-align-center wpr-testimonial-image-position-center elementor-widget elementor-widget-wpr-testimonial\" data-id=\"3f22923d\" data-element_type=\"widget\" data-settings=\"{&quot;testimonial_amount_tablet&quot;:&quot;1&quot;,&quot;testimonial_amount&quot;:&quot;2&quot;,&quot;testimonial_slides_to_scroll&quot;:1,&quot;testimonial_amount_mobile&quot;:1,&quot;testimonial_loop&quot;:&quot;yes&quot;}\" data-widget_type=\"wpr-testimonial.default\">\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-carousel-wrap\">\n\t\t\t\n\t\t\t<div class=\"wpr-testimonial-carousel\" dir=\"ltr\" data-slick=\"{&quot;rtl&quot;:false,&quot;infinite&quot;:true,&quot;speed&quot;:1200,&quot;arrows&quot;:true,&quot;dots&quot;:true,&quot;autoplay&quot;:false,&quot;autoplaySpeed&quot;:0,&quot;pauseOnHover&quot;:&quot;&quot;,&quot;prevArrow&quot;:&quot;#wpr-testimonial-prev-3f22923d&quot;,&quot;nextArrow&quot;:&quot;#wpr-testimonial-next-3f22923d&quot;,&quot;sliderSlidesToScroll&quot;:1}\" data-slide-effect=\"slide\">\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"wpr-testimonial-item elementor-repeater-item-f8542be elementor-clearfix\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta elementor-clearfix\">\n\t\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\n\t\t<div class=\"wpr-testimonial-meta-content-wrap\">\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-name\">Steve &amp; Denise L.<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\n\t\t<div class=\"wpr-testimonial-content-wrap\">\n\t\t\t<div class=\"wpr-testimonial-content-inner\">\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-content\">\n\t\t\t\t\t\n\t\t\t\t\t<p><p>Michael promised us that we wouldn\u2019t have to pay any taxes out of pocket, and he more than delivered on his word. We ended up having enough bonused tax-free money to pay most of our next year\u2019s tax bill. Thank you, Michael!<\/p><\/p>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\n\t\t\t<div class=\"wpr-testimonial-rating\">\n\t\t\t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\t     \t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t    \n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"wpr-testimonial-item elementor-repeater-item-554f6ea elementor-clearfix\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta elementor-clearfix\">\n\t\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\n\t\t<div class=\"wpr-testimonial-meta-content-wrap\">\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-name\">John T.<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\n\t\t<div class=\"wpr-testimonial-content-wrap\">\n\t\t\t<div class=\"wpr-testimonial-content-inner\">\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-content\">\n\t\t\t\t\t\n\t\t\t\t\t<p><p>I had quite a bit in IRAs and some in MSB Life &amp; Wealth Management IRAs, too. and I am getting older and was concerned about all the inheritance my children would lose to federal taxes. Now after making the seamless conversion, my children will enjoy all my current savings and all its growth!<\/p><\/p>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\n\t\t\t<div class=\"wpr-testimonial-rating\">\n\t\t\t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\t     \t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t    \n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"wpr-testimonial-item elementor-repeater-item-ee7b9a5 elementor-clearfix\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta elementor-clearfix\">\n\t\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\n\t\t<div class=\"wpr-testimonial-meta-content-wrap\">\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-name\">Marilyn &amp; Peter K.<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\n\t\t<div class=\"wpr-testimonial-content-wrap\">\n\t\t\t<div class=\"wpr-testimonial-content-inner\">\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-content\">\n\t\t\t\t\t\n\t\t\t\t\t<p>This year we had our biggest company profits and our net income exceeding $1 million. When Michael told us that he could convert all of our IRAs to MSB Life &amp; Wealth Management with very little taxes due, we were very skeptical. But now after we Transferred all our existing MSB Life &amp; Wealth Management and converted over $1.5 million of our IRAs, and not only paid no taxes on our IRA conversions at all, but we actually paid about half of our income taxes as well. Michael, we are indebted to you. Thank you so much.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\n\t\t\t<div class=\"wpr-testimonial-rating\">\n\t\t\t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\t     \t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t    \n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"wpr-testimonial-item elementor-repeater-item-7202dba elementor-clearfix\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta elementor-clearfix\">\n\t\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\n\t\t<div class=\"wpr-testimonial-meta-content-wrap\">\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-name\">Diane &amp; Duane M<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\n\t\t<div class=\"wpr-testimonial-content-wrap\">\n\t\t\t<div class=\"wpr-testimonial-content-inner\">\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-content\">\n\t\t\t\t\t\n\t\t\t\t\t<p><p>While we had very modest and conservative lives, we never expected to make so much money in our IRAs. Now in our 70\u2019s we were paying more in annual taxes because of the forced income the IRS made us take. Thank God we were referred to Michael Bauer.\u00a0 Over the past 2 years, Michael helped us move all of our IRAs into MSB Life &amp; Wealth Management. We only paid a few thousand in taxes, but moved over a $1 million. Now, we have no more Required Distributions from the IRS and our children can keep more of their inheritance.<\/p><\/p>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\n\t\t\t<div class=\"wpr-testimonial-rating\">\n\t\t\t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-empty\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\t     \t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t    \n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<div class=\"wpr-testimonial-controls\">\n\t\t\t\t<div class=\"wpr-testimonial-dots\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"wpr-testimonial-arrow-container\">\n\t\t\t\t<div class=\"wpr-testimonial-prev-arrow wpr-testimonial-arrow\" id=\"wpr-testimonial-prev-3f22923d\">\n\t\t\t\t\t<svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" x=\"0px\" y=\"0px\" viewBox=\"0 0 283.4 512\" style=\"enable-background:new 0 0 283.4 512;\" xml:space=\"preserve\"><g><polygon class=\"st0\" points=\"54.5,256.3 283.4,485.1 256.1,512.5 0,256.3 0,256.3 27.2,229 256.1,0 283.4,27.4 \"\/><\/g><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"wpr-testimonial-next-arrow wpr-testimonial-arrow\" id=\"wpr-testimonial-next-3f22923d\">\n\t\t\t\t\t<svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" x=\"0px\" y=\"0px\" viewBox=\"0 0 283.4 512\" style=\"enable-background:new 0 0 283.4 512;\" xml:space=\"preserve\"><g><polygon class=\"st0\" points=\"54.5,256.3 283.4,485.1 256.1,512.5 0,256.3 0,256.3 27.2,229 256.1,0 283.4,27.4 \"\/><\/g><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1762989f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"1762989f0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1156cd8f\" data-id=\"1156cd8f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31426f91 elementor-widget elementor-widget-heading\" data-id=\"31426f91\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">These are the Facts (FAQ's)...Jack!<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f9dbbf3 elementor-widget elementor-widget-accordion\" data-id=\"5f9dbbf3\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1601\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1601\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is an IRA to MSB Life & Wealth Management Conversion?   <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1601\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1601\">An IRA to MSB Life &#038; Wealth Management conversion occurs when you move assets from a Traditional IRA or 401(k) and reposition them to a Roth IRA or Roth 401(k).<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1602\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1602\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">When can I take out a tax-free distribution from my IRA to MSB Life & Wealth Management Conversion<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1602\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1602\">Contributions can be withdrawn from a MSB Life &#038; Wealth Management before five years, but only the contributions themselves can be withdrawn penalty-free and tax-free. Withdrawals of the Earnings (the growth on your contributions) are subject to taxes and a 10% penalty if you&#8217;re under 59.5 years of age and the MSB Life &#038; Wealth Management has been open for less than 5 years. If a MSB Life &#038; Wealth Management owner is over 59.5 years of age and has had the existing MSB Life &#038; Wealth Management for more than 5 years, then all withdrawals are tax-free!<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1603\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1603\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is the MSB Life & Wealth Management Program legal and does it comply with all IRS codes?  <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1603\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1603\"><p>Yes and Yes!<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1604\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1604\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Why do I need to speak with and hire Michael S. Bauer to assist in my MSB Life & Wealth Management conversion process?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1604\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1604\"><p>Michael S. Bauer is one of the very few 40+ year veteran financial services experts that has investment management, executive management, insurance sales, back-office insurance support and commercial real estate experience. Also, for several years Michael S. Bauer hosted a financial radio show called &#8220;Safe Money Radio&#8221; in Chicago. In March of 2025, Michael was invited to be listed with Marquis Who&#8217;s Who in America!<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>https:\/\/vimeo.com\/1154490314 Are you aware that you could save Thousands or even Millions of dollars, just by converting your Traditional IRA\u2019s or 401(k)s to MSB Life &amp; Wealth Management Accounts? Is it True,\u2026.. I never have to pay taxes on income or be forced to take Required Minimum Distributions (RMDs)? I\u2019m Interested Why should I convert my IRA\u2019s to MSB Life &amp; Wealth Management? Won\u2019t my tax bill be outrageous? Is it really worth it? Our Mission &amp; Expertise Our Mission At MSB Life &amp; Wealth Management, we are committed to providing our clients with the best &#8220;Financial Retirement Solutions&#8221; to meet their needs. Our mission is to help &#8220;Make Your Money Outlive You.&#8221; Our Mission At MSB Life &amp; Wealth Management, we are committed to providing our clients with the best &#8220;Financial Retirement Solutions&#8221; to meet their needs. Our mission is to help &#8220;Make Your Money Outlive You.&#8221; Our Expertise With over 42 years of experience in the investment and insurance industry, our experts have the knowledge and skills to help you find the best financial products to solve whatever needs and goals that are most important to you . We have helped thousands of clients find the highest rated and lowest cost solutions to all their financial needs. Our Expertise With over 42 years of experience in the investment and insurance industry, our experts have the knowledge and skills to help you find the best financial products to solve whatever needs and goals that are most important to you . We have helped thousands of clients find the highest rated and lowest cost solutions to all their financial needs. Never pay taxes on earning\u2026.ever again. Never be required to pay Required Minimum Distributions (RMDs). Never get taxed on cash distributions. Give your heirs 100% of their inheritance. Take out as much as you want, without being bumped in a higher tax bracket. I\u2019m Interested What Action Steps are required to minimize or eliminate my \u201cOut of Pocket\u201d costs for converting my IRAs to MSB Life &amp; Wealth Management? 1st Your MSB Life &amp; Wealth Management\u00a0expert will give you a \u201cFinancial Physical\u201d, recording and analyzing all your current retirement accounts, including IRAs, MSB Life &#038; Wealth Management, 401(k)s, brokerage accounts, insurance policies and any non-qualified savings. 2nd Your MSB Life &amp; Wealth Management\u00a0Expert will crunch a bunch of numbers, compare dozens of different investment options that will eventually lead to the best solution to your specific needs and goals. 3rd Your MSB Life &amp; Wealth Management\u00a0Expert, will provide you with a structured plan that will clearly show you when and how to convert your IRAs to MSB Life &#038; Wealth Management accounts, while minimizing or eliminating any tax costs.\u00a0\u00a0 They will also recommend that you seek a tax professional to verify that their strategy and process is IRS compliant. 4th Assuming you have substantial cash on hand, and already have started saving significant dollars in a MSB Life &#038; Wealth Management, your MSB Life &amp; Wealth Management\u00a0expert can convert some or all of your traditional\u00a0 IRAs\/401(k)s into a MSB Life &#038; Wealth Management, and then convert all the cash necessary to pay the tax bill into a MSB Life &#038; Wealth Management, as well!!!! Basically, if you answer \u201cYES\u201d to any of these questions, you are a good candidate for our MSB Life &amp; Wealth Management Program. Are you concerned with increasing tax rates? Do you have substantial savings in fully taxable IRAs or 401(k)? Due to your successful savings, are you already exposed to maximum tax rates? Are you concerned about the next market crash and potentially losing 25\u201350% of your retirement savings? Do you feel it\u2019s unfair that you may be required to take out some of your IRAs or 401(k) as a Required Minimum Distribution (RMD)? Would you like to never pay taxes again on any of your retirement savings? \u00a0 How much will it actually cost us to Convert some or all of IRAs to MSB Life &amp; Wealth Management\u2026..right now! With MSB Life &amp; Wealth Management, even if you make over $750,000 of Joint Net Income,\u00a0converting $1 million from an IRA to a MSB Life &#038; Wealth Management will only cost you a maximum of\u00a07%\u00a0out of pocket..\u00a0 \u201cIf we utilize your existing MSB Life &amp; Wealth Management\u00a0accounts, that are more than 5 years old, its possible we can reduce your tax burden to Zero!\u201d Without using our MSB Life &amp; Wealth Management\u00a0Program, you could pay as much as\u00a037%\u00a0to Uncle Sam! This tool will determine how much of your IRA we can convert to a MSB Life &amp; Wealth Management, with minimal to zero\u00a0reductions to your Net Worth. (Let\u2019s\u00a0say you have: $375,000 in a MSB Life &amp; Wealth Management\u00a0and $800,000 in an IRA, &amp; $325,000 in a money market = $1,500,000\u00a0liquid net worth. After our conversion process you could have: $461,000 in a MSB Life &amp; Wealth Management and $984,000 in an IRA, &amp; $55,000 in a money market =\u00a0$1,500,000 liquid net worth after conversion and all taxes are paid. And afterwards you have another $1,070,000 in a Never Taxed Again \u2013 MSB Life &amp; Wealth Management\u00a0IRA! SHOW ME What are my clients saying about MSB Life &amp; Wealth Management Steve &amp; Denise L. Michael promised us that we wouldn\u2019t have to pay any taxes out of pocket, and he more than delivered on his word. We ended up having enough bonused tax-free money to pay most of our next year\u2019s tax bill. Thank you, Michael! &#9734; &#9734; &#9734; &#9734; &#9734; &#9734; &#9734; &#9734; &#9734; &#9734; John T. I had quite a bit in IRAs and some in MSB Life &amp; Wealth Management IRAs, too. and I am getting older and was concerned about all the inheritance my children would lose to federal taxes. Now after making the seamless conversion, my children will enjoy all my current savings and all its growth! &#9734; &#9734; &#9734; &#9734; &#9734; &#9734; &#9734; &#9734; &#9734; &#9734; Marilyn &amp; Peter K. This year we had our biggest company profits and<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-7","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/test.visionarybuilt.com\/index.php?rest_route=\/wp\/v2\/pages\/7","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/test.visionarybuilt.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/test.visionarybuilt.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/test.visionarybuilt.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/test.visionarybuilt.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7"}],"version-history":[{"count":37,"href":"https:\/\/test.visionarybuilt.com\/index.php?rest_route=\/wp\/v2\/pages\/7\/revisions"}],"predecessor-version":[{"id":86,"href":"https:\/\/test.visionarybuilt.com\/index.php?rest_route=\/wp\/v2\/pages\/7\/revisions\/86"}],"wp:attachment":[{"href":"https:\/\/test.visionarybuilt.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}