Our society has a massive debt problem and future tax problem and here is why…

  • Americans now have more mortgage debt than ever before (Marketwatch)
  • The U.S. student loan system us broken.  Today borrowers currently owe more than $1.5 trillion (WSJ)
  • Consumer Debt hits $4 trillion of debt on credit cards (CNBC)
  • The debt crisis is coming soon, to avoid economic distress, the government has to reduce future entitlement spending (WSJ)
  • And make no mistake about it, it’s the national debt (now over $23.2 trillion) thats creating the tax problem.


We  will help you understand tax diversification, and what tax awareness may contribute to your retirement. Different retirement accounts receive different tax treatment.  Also, the impact of taxation on your retirement and the income you can safely withdraw from your retirement accounts.



Calculator below currently DOES NOT work on an Apple Iphone with their new update.


We will now help you understand how to calculate the interest you’re actually paying on your debts. You’ll likely be interested in knowing the actual interest rate you pay not the stated interest rate on your outstanding loans.

The video below will explain how to properly calculate your actual interest expense on your current debts.  Are you aware that a 4% fixed rate mortgage can initially cost you over 69% interest?  Or how your current bills may be costing you over 30% interest cost on next month’s payments?  You will learn how a “snowball” approach to eliminating debts, done in a unique way, can help you become debt free 4 life!



Calculator below currently DOES NOT work on an Apple Iphone with their new update.

Got Questions?
Get in Touch.

Advisory Services offered through API Financial Advisors. We do not accept orders and /or instructions regarding your account by e-mail, voice mail, fax or any alternative method.Privileged/ Confidential Information may be contained in this message. This electronic mail transmission and any document(s) accompanying this transmission is privileged, and may be proprietary in nature. It is intended only for the use of the named addressee(s) to which it is directed. If you are not the addressee(s) indicated in this message (or responsible for delivery of the message to such person), you may not copy or deliver this message to anyone. In such case, you should destroy this message and kindly notify the sender by reply email. Please advise us immediately if you or your employer do not consent to Internet email for message of this kind. Opinions, conclusions and other information in this message that do not relate to the official business of our firm shall be understood as neither given nor endorsed by it.