Ian Lahde.
Tax and financial strategist in Austin, Texas, licensed in life insurance and annuities. I focus on retirement income, Roth conversions and keeping more of what you earn.
I was born and raised in Orlando, spent some time in Miami, and now live in Austin, Texas. I am a tax and financial strategist, licensed in life insurance and annuities for more than three years, and most of my annuity work comes down to two jobs: building income people can count on in retirement, and helping them handle Roth conversions so the taxes in their retirement accounts are planned instead of left to chance.
The tool I use most is the fixed indexed annuity. It is not right for everyone, or for all of anyone's money. For the portion that has to be there no matter what the market does, it does a specific job well: it protects principal when the market falls, it can still be credited interest when the index rises, and with an income rider it can pay a set amount for life. When it fits, I will show you exactly how. When it does not, I will tell you.
On the life side I help high-income earners, both W2 employees and business owners, structure their income and assets so they keep more of what they earn. That work includes premium financed life insurance, estate planning and business succession. It is advanced planning with a lot of moving parts, and it has made me careful about one thing in every meeting: you should understand what you are buying before you sign anything.
Many of my clients come to me through referrals from other clients, and I want every relationship to start the same way, with a clean slate. I tell you who I am, what I do and how I am paid, up front. No bait and switch, and no surprises.
What I believe about retirement money.
Taxes are part of the income plan
What you can spend in retirement depends on what you keep after tax. A plan that ignores the tax inside a traditional IRA or 401(k) is only half a plan.
Cover the essentials with income that cannot drop
The bills that arrive every month should be paid by income that does not depend on the market. Everything above that can take risk. I would rather build that floor first than chase returns.
No bait and switch
What I describe on our first call is what you get. If a product changes, a rate changes or the answer is no, you hear it from me directly.
Honest numbers, including the unflattering ones
Every contract has costs and limits: surrender periods, caps and rider fees. I put those on the table first, because a guarantee only helps if you know what it costs you.
Where I am licensed.
- California
- Florida
- Nevada
- Texas
See if we are a fit.
A few short questions about your savings and your plans. If I can help, you pick a time on my calendar. If I cannot, I will say so.
See If We Are A Fit