Imagine a client who has worked hard for 40-50 years to finally reach a point that represents the finish line of financial independence. Even after a global financial meltdown and stock market crash, this client has enough assets and income to feel secure and enjoy life. Unfortunately, there is some bad news ahead, and somebody should deliver it.

That person can be you, and here is what you may want to say: “It’s possible, perhaps likely, that your income taxes will rise by 10% or more in the years ahead. As you move through retirement, you may become one of the highest taxed people in America in terms of marginal tax impact. On your last dollar earned, you could face a total tax rate above 50%.”

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?


© 2023 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.

BenefitsPRO Broker Expo 2024Event

The premier educational and networking event for employee benefits brokers and agents.

Get More Information


Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.