We help retirees minimize―and sometimes eliminate―massive tax bills

See how much you could save in just 30 minutes.

Many retirees are seeking ways to shield their retirement from potential roadblocks:

Rising government debt, market volatility and inflation can pose major challenges for retirees

With most savings nestled in tax-deferred accounts like 401(k)s or traditional IRAs, the potential for higher future tax rates is a pressing concern

If your savings are in a 401(k), traditional IRA or other retirement accounts, Uncle Sam dictates how much you actually keep

This is why financial advisors often suggest Roth IRA conversions, allowing you to pay taxes now and secure tax-free growth later.

Here's the problem with Roth IRA conversions. You may have to write a big check to the IRS upfront:

These hard-earned dollars could be gone instantly, wiping out years of potential growth

Recovery could take years—time most retirees don't have

What if you could...

Pay $0 out of pocket for income taxes

Keep interest-earning potential on funds that would have gone to Uncle Sam

Possibly earn tax-free interest on your income

This strategy has been a big game-changer for many retirees. No hefty tax payments, no IRS surprises—just a potentially smarter way to help protect your money.

My mission is simple:

Helping retirees protect what they've worked so hard to build.

For over 25 years, I've built personalized tax-smart plans to help individuals, families and business owners grow and protect their wealth and legacy.

Let’s see if this strategy works for you.

Richard Oxford

(602)697-7657
[email protected]

My mission is simple:

To help ensure there are no gaps in your financial plan.

We pride ourselves on taking a holistic approach, working closely with a network of trusted professionals, including CPAs and attorneys, to provide seamless, integrated solutions.

With over 20 years of experience in the financial industry, Richard has built a career helping individuals and businesses achieve their financial goals. Backed by an MBA and senior management experience, he offers expert guidance on creating strategies designed for success. Richard leads a dedicated team of financial professionals who pride themselves on delivering customized solutions tailored to their clients’ unique needs.

Your retirement should be about enjoying life—not stressing over taxes

Take control today and stop letting Uncle Sam decide how much you keep

Schedule your complimentary session and let’s explore your options together

FAQs

Is this legal?

Yes! This strategy is based on U.S. tax code and has been used by retirees across the country.

Will we really pay $0 in taxes out of pocket?

Many retirees have successfully used this strategy and paid $0 in taxes out-of-pocket. We’ll show you if this strategy can make sense for your situation.

How long does this process take?

Our complimentary analysis takes just 30 minutes. We will review your current situation and goals, and then come up with a plan designed to you keep more of what's yours.

Let’s find out if this strategy works for you—in just 30 minutes

About Us

We help retirees minimize—and

sometimes eliminate—massive tax bills.

The strategies discussed may be able to help you pay potentially $0 out of pocket. Tax outcomes depend on individual circumstances. All strategies involve risks and may not be suitable for everyone. Consult a tax or financial professional before making decisions.


Richard Oxford Financial investment advisory services are offered through Dutch Asset Corporation. Dutch Asset Corporation (“DAC”) is an investment advisor registered with the United States Securities and Exchange Commission.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered. It is not, however, intended to provide legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Richard Oxford Financial and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.refer to fixed insurance products. They do not refer, in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc.

The information provided is based on sources believed to be reliable and accurate. However, it is not intended to serve as tax or legal advice. Readers are advised to consult with qualified professionals regarding their specific circumstances. Certain content has been prepared by Retirement Optimized for informational purposes only. Retirement Optimized is not affiliated with any named financial representatives, broker-dealers, or registered investment advisory firms. The information and opinions presented are for general informational purposes and should not be construed as a solicitation to purchase or sell any security. Investors should not rely solely on this information when making investment decisions.

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