FREE BOOK Reveals ➔  How to Get to the 0% Tax Bracket and Transform Your Retirement

"The Power of Zero"

The Ultimate Playbook to Keeping YOUR Hard Earned Dollars
"[The Power of Zero] clearly shows how to make maximum use of a tax deferred and tax free retirement savings plan. The part about reducing taxable income for Social Security was something I had never considered."

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"I have greater control & confidence of my retirement with the concepts of this book."

See What Others Are Saying About This Financial Life Changing Book
"...a true eye opener for me..."
"The concepts in this book are outside of the box in terms of conventional retirement strategies. It was a true eye opener for me and forced me to rethink the way I was going about saving for retirement. The strategies in this book are genius. If you want to save more of your hard earned money in retirement rather than spending it on unnecessary taxes, this is a must read!"
"...principles every middle-income American needs to learn."
"David McKnight is an excellent writer. His book reads easily and outlines in a clear and concise manner principles every middle-income American needs to learn. He's exactly right -- there is a train wreck coming in the form of increased taxes -- and people need to prepare for that inevitability. I've been a big proponent of IRA planning and Mr. McKnight creates a framework that makes a very important planning topic more digestible and actionable."
-M. Cordner
"...something I had never considered."
"Clearly shows how to make maximum use of tax deferred and tax free retirement savings plan. The part about reducing taxable income for Social Security was something I had never considered."

The Blueprint to LEGALLY Keeping More of YOUR Hard Earned Money

The United States Government is currently over $26 TRILLION in debt... where do you think the government will go to pay back that money? 

Learn How to Legally Disinherit Uncle Sam from Your Retirement Plan, and Keep More of YOUR Hard Earned Money

From the Desk of Carroll Ramer

President, Ramer Retirement Resources
"Have you ever sat back and really thought about just how much one trillion really is? 

Let's play a quick game...

What year do you think it was just one trillion seconds ago? 

One thousand seconds is about 17 minutes...

One million seconds is about 12 days...

One billion seconds is about 31.7 years...

And one trillion seconds is about 31,709.8 years!

That's right, one trillion seconds ago, Woolly Mammoths were roaming the earth, not even close to being extinct. 

And the United States Government is currently over $27 TRILLION in debt...

Have you considered just where the money would come from to pay back this massive debt? 

That's right. Taxes. 

Now while there may be multiple sources that the government can pull money from, income taxes have always been on the radar. 

And retirement accounts such as IRA's and 401(k)'s fall right in that category. 

Did you know that income tax rates in the United States have topped over 90% before?

And we are currently at some of the lowest tax rates in history.

But this doesn't have to keep you up at night!

By learning about, and implementing, the concepts taught in The Power of Zero, you can get to the 0% tax bracket, and ensure that you won't have to worry about where taxes are in your retirement years."

-Carroll Ramer
President, Ramer Retirement Resources

But Don't Just Take My Word For It!

See What Others Are Saying About The Power of Zero
"I feel so much more well informed..."
"Easy to understand, clear and well written. I feel so much more well informed and have taken steps suggested to lower my tax liability in retirement. I feel a lot more comfortable about my retirement and am excited to continue learning and keeping up with current tax laws on the subject. Reading articles about retirement now make much more sense to me."
"Opened My Eyes!"
"Excellent strategies to pay fewer taxes in retirement. A bit technical, but he keeps advising you to get a good financial advisor to set yourself up properly. I liked that he gave good examples of how the strategies work in real life. This book should be read by anyone who wants to have more money available to them in retirement."
-Mark W.
"... the only sane and legal road map..."
"McKnight makes many powerful arguments like...Why higher taxes are inevitable, why people that ignore history will get slaughtered during retirement, and why building a tax-free financial plan right now is the best way to avoid the coming shock. In a very simple way, this book explains the only sane and legal roadmap to a tax-free retirement. This book is a must read for CPAs, CFPs, financial advisors and the investing public alike!"
-Ronnie D.

Who these strategies are for...

  • Business Owners
  • ​Medical Professionals
  • ​Executives
  • ​W-2 Employees
  • ​Contractors
  • ​Pre-Retirees
  • ​People IN Retirement
  • ​Those with a 401(k) or IRA
  • ​Those who have NOT Started Retirement Planning Yet
  • ​Those who have Already Built Up Retirement Assets
  • ​And More...

If you want to know how to make and keep as much of YOUR money as possible in retirement...

This Book Is For You!

In this book you will learn...
  • How to position your retirement dollars so you can access them tax-free during your Golden Years
  • ​How to Plan for Retirement, without Sacrificing Today's Needs
  • ​What Impact Taxes will ACTUALLY Have on Your IRA/401(k)
  • ​The History of Taxation in the United States, and the Probability of What can Happen in the Future
  • ​How to Minimize or Even Eliminate Stock Market Risk, while Still earning up to Double Digit Returns on Your Retirement Dollars
  • ​And So Much More!

Take a Look at What You Will Learn in Each Chapter...

Here's A Sneak Peek of What's Inside:

Chapter 1 – A Gathering Storm

In chapter one, you will learn exactly why understanding the role income taxes will have on various investment products you may be using is so crucial, and why taxes pose such a threat to your financial well being.

For example, did you know that Social security was never designed to provide retirement income, but only to help those workers who might live too long? 

When you consider that Social Security, Medicare, Medicaid, and the interest on the National Debt will consume 92% of the governments revenue in 2020, it's shocking to consider how taxes with have to be increased to keep these programs solvent. 

Chapter one will also give you a quick overview of the strategies you will learn in the following chapters, particularly why understanding the three "buckets of money" is so crucial.

Chapter 2 – The Taxable Bucket

Chapter two is all about how the "taxable bucket" of money.

Bottom line, this bucket should be used to cover the unexpected costs in life that are typically more "immediate" and that you need quicker access to funds for. 

The key word: Liquidity. 

However, just like any bucket of money, the trick is to know just how much money should be allocated to this bucket, along with the pros and cons that accompany it...

All of which you will learn in the book!

Chapter 3 – The Tax-Deferred Bucket

The tax-deferred bucket is the one that most of us are familiar with...

This bucket includes investments such as a 401(k) and IRA, which a lot of people tend to favor for two reasons: 

1) You get to "defer" your taxes on the money you put into those accounts, and

2) You feel like you can "set and forget" it most of the time!

However, this strategy can have MANY unintended consequences that the majority of people are not aware of...

Yes, this bucket of money should be used, but it should not be confused with the "tax-free" bucket that is talked about in chapter 4. 

You will need to pay those taxes at some point!

And taxes may not be as low for you then as they are now.

All this, along with strategies to avoid unintended consequences, are covered in this chapter!

Chapter 4 – The Tax-Free Bucket

This, my friend, is the golden nugget of the entire book. 

Most people that are saving (or intend to save) for retirement are familiar with, and perhaps even using, the first two buckets of money...

But what about this, the most favorable bucket of all?!

This is what many people overlook, and with dire consequences. 

When properly understood and utilized, the tax-free bucket can allow you to keep more of your hard earned dollars, without having to dish out a portion of your retirement funds to that Uncle that nobody likes... Uncle Sam!

Now, this isn't a situation where you can simply know what products to use and dive right in, there are a few key points that you must be aware of, that are discussed in Chapter 4.

Chapter 5 – The LIRP

Ahhh yes... 

The "LIRP."

LIRP is an acronym that you would do well to remember...


Because unlike many products, income distributions from a LIRP are truly tax-free.

What's more? 

Unlike a Roth IRA, you can design a LIRP to be customized to you and your exact situation, without running into contribution limits.

Let that sink in...

No contribution limits based on you and your plan design, and truly tax-free income.

THIS is why you must carefully read chapter 5.

In Conclusion

The United States Government is currently over $26 TRILLION in debt...

Now let me show you EXACTLY what this book will help you avoid: 

Let’s say you just retired, and you decide to go to an ATM to withdraw money, and you want to pull out $100,000… 

You earned this!

You’ve worked hard for this!

But when you go to grab your money from the machine, instead of the $100,000 you requested, the machine only gives you $80,000

Confused, you double check to make sure you entered the amount right.

Sure enough, you did enter $100,000; but you forgot one thing…

You’re in a 20% tax bracket, the account you’re withdrawing your money from is a taxable account like an IRA or 401(k), and this guy named Uncle Sam is right beside you with his hand out, ready to collect the amount you owe.

Your mind starts racing… What could you have done with that extra $20,000?!

A vacation?

A car?

Spoiled your children and grandchildren?

Who knows?! 

But all that matters in the moment is that you don’t have that money

And that’s exactly what I want to help you avoid, and what you will learn in "The Power of Zero. 

Make sure to grab your free copy while this offer still lasts!

Get Your FREE BOOK, Simply Send Me


I'd like to rush you a FREE copy of "The Power of Zero" book to your doorstep, ASAP.

"So What's The Catch?"

You may be wondering what the catch is, and I’m here to tell you that there is none. 

So why would we do this?  

Because we know that a certain number of people will get the book, and continue their planning as they have always done. 

HOWEVER, we also know that there are people that will read the book, recognize the power in what we are offering, and want to know more.

Here's EXACTLY what you'll learn in this book...
  • The truth about taxes, and why it’s imperative that you keep Uncle Sam out of your retirement plan with the US government currently over $26 TRILLION in debt
  • Why the government is so fond of IRA’s and 401(k)’s and why that should NOT be your only planning vehicle
  • The three “buckets” that make up retirement planning, and why you should allocate correctly to your Taxable, Tax-Deferred and Tax-Free Buckets
  • How to get to the 0% tax bracket, without sacrificing your needs today, tomorrow, and for generations to come
  • How to NOT get screwed over when it comes to taxes on your social security (yes, it IS taxable)
  • And so much more
Ramer Retirement Resources is not affiliated with David McKnight & Company, and the views expressed herein are expressly those of Ramer Retirement Resources. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.
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