Eliminate Risk,
Fees & Taxes
Graduate from Tax-Deferred to Tax-Free.
Helping you keep 30-40% more of your capital is our Specialty.
Learn the strategies that the top 1% have been implementing for years.
Eliminate Risk,
Fees & Taxes
Graduate from Tax-Deferred to Tax-Free. Helping you keep 30-40% more of your capital is our Specialty. Learn the strategies that the top 1% have been implementing for years.
As Seen On:
As Seen On:
About Me
Angus Stephens
Helping You Rethink Retirement — With a Plan That Works
Before beginning my financial services career 17 years ago, I worked in both government and Fortune 100 sales. That experience gave me a unique perspective on how people make decisions — and how often those decisions are guided by outdated, one-size-fits-all advice.
Over nearly two decades, I’ve helped individuals rethink how they save, invest, and prepare for retirement. Again and again, I saw people following the same traditional formulas — only to be left with results that didn’t match their goals.
That’s why I focus on something different.
I specialize in helping my clients eliminate risk, fees, and taxes by building strategies tailored to their real lives — not just financial theory. Whether you're planning ahead or trying to fix what isn’t working, I’m here to guide you with honesty, clarity, and a strategy that makes sense.
“How We Help You Keep More of What You Earn”
“How We Help You Keep
More of What You Earn”
Most people follow the crowd — contributing to 401(k)s or IRAs, crossing their fingers, and hoping for the best. But what they don’t see are the hidden costs: market risk, management fees, and future tax traps.
We help you avoid these:
Market Volatility
Most people follow the crowd — contributing to 401(k)s or IRAs, crossing their fingers, and hoping for the best. But what they don’t see are the hidden costs: market risk, management fees, and future tax traps.
Market Volatility
Most people follow the crowd — contributing to 401(k)s or IRAs, crossing their fingers, and hoping for the best. But what they don’t see are the hidden costs: market risk, management fees, and future tax traps.
Fees
Frustration over hidden advisor or management fees eating into returns. Not realizing how even a 1% fee can erase years of income over time. Confusion about what they're actually paying for — and whether it's worth it. Feeling trapped in fee-heavy accounts with limited flexibility “Why am I paying fees even when my account is losing money?”
Fees
Frustration over hidden advisor or management fees eating into returns. Not realizing how even a 1% fee can erase years of income over time. Confusion about what they're actually paying for — and whether it's worth it. Feeling trapped in fee-heavy accounts with limited flexibility “Why am I paying fees even when my account is losing money?”
Taxes
Concern about paying high taxes on 401(k) or IRA withdrawals in retirement. Lack of clarity on how to create a tax-efficient income strategy. Fear of rising future tax rates eating into retirement income. No plan to manage RMDs (Required Minimum Distributions). “I saved all this money... now I have to give a chunk of it to the IRS?”
Taxes
Concern about paying high taxes on 401(k) or IRA withdrawals in retirement. Lack of clarity on how to create a tax-efficient income strategy. Fear of rising future tax rates eating into retirement income. No plan to manage RMDs (Required Minimum Distributions). “I saved all this money... now I have to give a chunk of it to the IRS?”
Our Services
When you think about your future, it's important to focus on what truly matters to you. Whether it's planning for a comfortable retirement, minimizing tax burdens, protecting your assets, or identifying potential risks — each of these pieces plays a key role in your overall financial picture.Taking the time to thoughtfully address these areas helps you build a solid, personalized path toward a future that reflects your goals, values, and peace of mind.
Is This Right for You?
This isn’t a one-size-fits-all plan. It’s a customized strategy built around your goals, your stage of life, and your financial future.
🤔 Who Can Benefit From ERFT
You’re in your 40s, 50s, or early 60s and want to retire with peace of mind
You’re tired of watching your 401(k) ride the market rollercoaster
You’ve saved money but worry about taxes eating into your retirement
You want more control, more security, and fewer surprises
🔎 Why Haven’t I Heard This Before?
As many people out there that haven’t heard of Tax-Free Options… there are a ton of people that have and are actively utilizing them..
These really aren’t new concepts. They’ve been around since the late 90’s and have continued to evolve for the better.
Most traditional advisors stick to conventional tools like 401(k)s, IRAs, and mutual funds. We focus on the side of finance that eliminates risk, fees and taxes — using strategies the top 1% have used for decades — and make them accessible to everyday families.
Testimonials
Not Just Clients - Lifelong Relationships
Angus has been my friend for the majority of my life. I would always recommend Angus, not only because of the friendship, but because of his integrity, his attention to detail, his ability, and wanting to learn about everything he puts his hands on. Angus will be an asset to anyone wanting him to represent them.
Kert Meyer
I’ve had the pleasure of knowing Angus Stephens both personally and professionally, and I can confidently say he exemplifies what it means to be a trusted financial professional. On a personal level, Angus is thoughtful, dependable, and deeply grounded in values that inspire confidence and respect. He’s someone who listens with intention and communicates with clarity and sincerity. Professionally, Angus brings that same level of integrity and care to his work. His knowledge of financial strategy, especially when it comes to protecting and growing wealth, is both impressive and practical. He has a unique ability to simplify complex concepts and provide tailored solutions that truly serve his clients' best interests—not just for today, but for the long term.What sets Angus apart is not just what he knows, but how he operates—with honesty, consistency, and an unwavering commitment to doing what’s right. Whether you’re looking for guidance, clarity, or peace of mind in your financial journey, Angus is someone you can trust to lead the way.
John K Gossett, Pharm.D.
Frequently Asked Questions
Is this really tax-free, or is that just a marketing term?
Yes — when structured properly, these strategies follow IRS rules that allow your money to grow and be accessed 100% tax-free. We don't bend the rules — we simply use tools the wealthy have relied on for decades, made available to everyday families.
I Already Have A 401(k). Why Would I Need Something Else?
A 401(k) is tax-deferred, not tax-free — which means you'll pay taxes later, potentially at higher rates. You also don't want to gamble your retirement to the volatility of the market. Our strategy helps you diversify your tax exposure, reduce future tax risk, access your money without penalties or age restrictions, and protect your principal.
What Kind Of Results Can I Expect?
Everyone’s results vary based on age, contributions, and goals — but our clients often see 30–40% more capital preserved by avoiding unnecessary taxes, fees, and market losses. We walk you through real projections based on your specific numbers.
Is This Safe? What’s The Risk?
Yes — our strategies prioritize principal protection. That means your money isn’t exposed to market downturns. You’ll never lose a dime due to a stock market crash, and your plan is designed for long-term stability and control.
Is there a fee to work with you?
Our guiding principle is to eliminate risk, fees and taxes. We want to stay true to who we are and that's why we don't charge any fees.
I Already Have A Financial Advisor?
That's great. But we specialize on the Tax-Free side of finance. We specialize in helping people (Eliminate Risk, Fees & Taxes). A typical advisor, if you think about it, actually does the complete opposite. They actually Add Risk, they Add Fees, & they Add Taxes simply based on their specific focus. We’re all in the same industry, but just a very different focus and specialty.
How do I get started?
Just book a free 15-minute call. We’ll go over your current setup, your goals, and let's see if this can even apply to you.
Blogs
How the Wealthy Legally Eliminate Taxes — And How You Can Too
Are Management Fees Eating Your Retirement?
Why a 401(k) Might Not Be the Best Choice for Retirement
Take the First Step Toward a Smarter Financial Future
Take 2 minutes to share where you are — and we’ll show you how to get where you want to be, with less risk and more control.
Copyright©2025 Angus Stephens
