Tax Free Always
4-Step Retirement Plan Hyper-Focused on Tax Effieciency.
Join Us For A Complimentary Dinner and Discover How To Reduce Risk In Retirement And Avoid Losing Money On Risky Investments


Will Taxes Control Your Retirement?

There is a big difference between tax preparation and tax planning.  Most clients have their taxes prepared each year, but have not done any tax planning and are leaving the government in control of their retirement income.

We Put You In Control

At Tax Free Always, we put you and your family back in control of your future with our 4-step Retirement Income Planning Process that is hyper-focused on tax efficiency now and in the future.  We use math, science, and engineering to design plans for your optimal result.  One thing we know for sure, math never lies!

Tax-Free Retirement Income

Never lose your money to stock market crashes and poor stock selection.  Legendary Investor Warren Buffet says "Rule No.1: Never lose money."  "Rule No.2: Never forget rule No.1."  

Our strategy will not only protect your principal, but give you opportunity for market-sized growth.

Your Principal Is Guaranteed

As the old saying goes, we believe that it isn't what you make, it is what you keep.  So many retirement accounts increase with the market, but lose their gains even more quickly.  

When you make gains under our programs, your gains are locked in and become principal,  and principal is guaranteed against loss.  

Simple math will prove that if you suffer a 40% loss of your account, you will need to make 66% to get back to even.  

You will never have to worry about that any longer when you guarantee your principal after you receive a gain.

Tax-Free Benefits For You... And Your Beneficiaries

We are currently living under some of the lowest tax rates we have experienced in our lifetimes.  But if you are putting money into traditional IRAs, 401(k)s, and tax deferred investments you aren't taking advantage of them.  Even worse, you could be avoiding paying taxes on your deposit, to pay a higher tax rate on your deposit PLUS ALL THE GAINS YOU MAKE!  

The key to long-term wealth is to pass assets from generation to generation in a tax-free manner. 

Not only does our strategy allow for your use of capital without being taxed, but the remaining balance in your account shall pass to your beneficiaries free of tax as well! 

When structured properly, your account can provide tax-free benefits for your family for generations to come, just like the Rockefellers.
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Your Dinner Hosts
With over 20 years of executive experience running medical businesses, Kevin understands just how important math and science is to your retirement choices.
Kevin Spear
Kevin Spear
Financial Advisor
Financial Advisor
John Oldham
Financial Advisor
With over 20 years in the financial industry, John works with many of the top financial advisors in the country.  He trains and coaches them on the strategies clients need to have control of their future.
John Oldham
Financial Advisor
A note from Kevin Spear
I am Kevin Spear and I'm an expert on planning for dependable Tax-Free Retirement Income.  

I will provide you insider strategies and tips on how to manage your wealth while in or nearing retirement. 

How can you be sure?  Well, after 20 years as a successful executive running healthcare research companies, it was time for me to find out exactly how I was going to retire early and remain in control of my future.  There was no pension and gold watch that would provide for me, so I had to make sure I got it right!  After a lot of research and investigation, I found the right solution to keep me and my family in control of our weath, despite the likelihood of increased taxes in our future.

I am going to share everything I have learned and successfully implemented for myself directly with you!   You will be in control of your future just like I am.

This sit down dinner event is going to give you everything you need to navigate the retirement investment process successfully!

Reserve your seat now and join us at our Complimentary Dinner Presentation.
A note from John Oldham
Learn How To Help Protect Your Investment & Assets Here's How And Why We Can Make You This Promise

My Name Is John Smith And I'm An Expert On Planning For Dependable Retirement Income

I will provide you insider strategies and tips on how to manage your wealth while in or nearing retirement. 

In a dynamic stock market it is my goal to give you confidence in the ability to decide if your investments you own today are strong enough to provide you with the resiliency needed to thrive during a market correction. 

I will also guide you in identifying the fees and risks within your portfolio so you can know the true cost of your market portfolio.

This sit down dinner event is going to give you everything you need to navigate the retirement investment process successfully!

Your free consultation will include:
Most People Have A Bunch Of Accounts, 
But "No Real Plan" On How To...
       turn them into what they really need...
A Dependable Retirement Income!
From: Kevin Spear
RE: Planning For Successful Retirement
Dear Retirement Investor,

If you want to have the confidence that you have a transparent, professional advisor taking care of your best interests, then this is the most important letter you will read all year!

If you desire the financial benefits of your portfolio creating dependable income for you to live the lifestyle you worked so hard for,

or even if you just want to REMOVE THE STRESS of having to constantly watch the markets on TV, then this is the most important letter you'll read all year!

Here's why...

Because in today's retirement investing market having a trusted, professional financial advisor or NOT...

CAN MEAN THE DIFFERENCE between living the secure retirement lifestyle you want and being financially stress free or having your income suffer from every change in the market!

  •  MAXIMIZE your investments...
  •  REDUCE RISK  in retirement...
  •  REDUCE FEES,  taxes and protect from inflation...
  •  HAVE A PROFESSIONAL, transparent team working for you!
Plan & Protect Your Retirement
Reduce Risk In Retirement And...
Avoid Losing Money On Investments
RSVP Now! Space Is Limited!
This Complimentary Dining is "By Reservation Only"
Join Us At This Provocative And Revealing Event!
Hosted by Professional Advisor, Kevin Spear, as he helps reveal the TRUTH about how to reduce risk in retirement and avoid losing money on investments.
Top Retirement Planning Expert Reveals...
How To Reduce Fees, Taxes And Protect From Inflation... even if you don't fully understand your investments!
Prepare For The Next Market Meltdown
FREE CONSULTATION | September 22nd, 2020
Prepare For The Next Market Meltdown
FREE CONSULTATION January 26th, 2019
Protect Your Investment & Assets...
 From The Next Market Meltdown
Which Of These Retirement Planning Mistakes Will You Make?
  •  Thinking a monthly withdrawal is a retirement income plan
  •  Failing to organize your investments by their typical market cycle duration
  •  Failing to understand the overlap in your "diversified" portfolio
Learn Why Full Transparency Is Needed...
But Oftentimes Missing, In A Relationship With...
A Trusted Advisor
You Will Have An Opportunity To Learn How A Trusted, Transparent Advisor...
...will change your retirement future at our complimentary sit down dinner.
This is your chance for a completely free opportunity to learn about a trusted financial advisor serving people just like you.
Clients walk through our doors every day with hesitation

We demand transparency in all phases of our relationship with our clients, and always keep their best interests first. 

We earn trust through detailed, transparent plans in which clients can fully understand their fees, features, and risks.
In Fact, Here's Just The Tip of The Iceberg of What You Get...
  • You'll discover exactly how to get the MOST RELIABLE income from your investment in today's volatile market.
  • You'll understand exactly why the BEST CHOICE for your future is working with a with a transparent financial advisor.
You'll Also Discover Why...
  •  You will see why more retirees know the costs of all of their living expenses, but they don't know the most expensive one of all….portfolio and investment fees. 
  •  You'll skip past all the mistakes and obstacles that trip up MOST retirees and find appropriate solutions for your true risk appetite.   
  •  You'll have PEACE OF MIND knowing a trusted financial advisor is working for your benefit, and available for you at any time. 
  • You'll have much more leisure time on your hands when you know your financial security is set through the maximization of your portfolio. 
Kevin Spear
The Truth...
About How To Reduce Risk In Retirement & Avoid Losing Money On Investments
Have More Confidence In Making Your Investments
Escape the hassle of researching complicated investment strategies and instead have a transparent and understandable plan that meets your specific objectives.

Take the guesswork out of your portfolio and have a dependable plan.
Ask A Professional Financial Advisor
FREE CONSULTATION January 26th, 2019
This Is Your Chance!
A Free Opportunity To Have A Trusted Professional Financial Advisor Answer All Of Your Questions.
Most Commonly Asked Questions...
  • Cash Flow: How will I know if I will outlive my savings and keep up with inflation?
  • Taxes: How do I protect my family from paying more than needed to the IRS?
  •  Market Risk: What can I do to protect my family from the next market meltdown?
  •  Reduce Fees: How will I know if I will outlive my savings and keep up with inflation?
What Would Happen If The Market Took A Correction...
Like It Did In 2008, and AGAIN This Year With Coronavirus, And You Lost A Significant Amount Of Your Assets...
But They Didn't Bounce Back?
Would your portfolio be able to provide you enough dependable income that your lifestyle was not interrupted?
When you see the results, think about how well you will sleep at night when you have successfully optimized your plan with a trusted, transparent advisor.

When you know you have the best team working on your behalf, think of how relaxing your next vacation will be without ever having to check out the markets or your portfolio.
Imagine not watching the markets for weeks at a time because of the structure of your plan!
And how good will you feel when you know exactly “what is in it” for your advisor! 
Highly Respected 
Retirement Expert Reveals...
The Secrets To Reducing Risk In Retirement
Avoid The Big Mistakes That Cause Most People Have A Bunch Of Accounts, But No Real PLAN On How To Turn Them Into What They Really Need....a Dependable Retirement Income
Discover The Secrets To Making Money Through Various Financial Products
Quickly Get You Living The Lifestyle You've Dreamed About All These Years
The Real SECRET For How A Retiree Can Find Truly Safe Investments While Still Getting The Income They Need
Repeat Of The 2020 Market Crash?
FREE CONSULTATION | September 22, 2020
Repeat Of The 2008 Market Crash?
FREE CONSULTATION January 26th, 2019
What Would You Do If You Lost Half Your Portfolio?
Are Your Assets Secure?
WARNING: If You Want To Reduce Risk In Retirement (even if you need growth and income in your portfolio) - You Need To Attend This Event Now

Be Prepared Before It Is Too Late

When will the next market meltdown happen?  

Waiting For The Market To "Come Back" Is NOT An Option

Will reverse dollar cost averaging ruin my portfolio?
So Here's The Bottom Line With My Process
Most people that we meet with are taking far more risk in their portfolio than they think, and paying much higher fees than they understand

 Our analysis will show you exactly how much risk you are taking and how much you are paying in a fully transparent process. 

We show you ways to optimize your situation using math and science. We provide our clients the ability to finally be fully in control of their plan, while delegating the day to day responsibilities to a professional.

You get all of this when you book your complimentary consultation at our Introductory Dinner...

They Say There are No Guarantees in Life, Only Death and Taxes!
I Disagree!
 Put Us To The Test With Our Iron-Clad, “Money Where Our Mouth Is” Guarantee
If our time together doesn’t help you become more informed and more confident in your retirement...

regardless of the path you are on, we will provide you with a $50 gift certificate to a restaurant of your choice. 

If our honest, transparent advice does not allow you to get an answer to some nagging question that you have always been afraid to ask, the gift certificate is yours, No Questions Asked!
As you can see all the risk is squarely on my shoulders, so....
Here's How To Confirm Your Attendance Right Now!
So go ahead and click the link below now to register for our complimentary dinner and you'll be on your way to enjoying all the benefits we've talked about here and more! 

Let's get started right now!
To Your Confident Retirement
Kevin Spear

Please enjoy our complimentary plated dinner.
6809-F, Phillips Pl Ct, Charlotte, NC 28210
Dinner Event FAQ's...
 What Is Going To Be Sold At The Event?
Nothing will be sold at this event. We feel the best way to get to know one another is in a non-threatening environment where we can explain our process of working with our clients. Leave your checkbook at home.
 Can I Bring A Guest?
Oftentimes we reach our maximum capacity, but we would be happy to reserve your space for yourself and a spouse, or one qualified guest. Should you have another guest that would like to join us, please have them reach out to our reservation line to request a reservation and answer a few brief questions. 
 Can I Skip The Dinner And Come To Your Office For Confidentiality?
Many people do not like groups or prefer their confidentiality. We understand. Please call our reservation line or visit… schedule your appointment directly on our calendar. 
 That Date Doesn't Work, Can We Meet For Dinner A Different Day?
We would be happy to have you attend another event, or meet privately for dinner another day. Please reach out to our reservation line or email ……. With your request. 
 What Are Your Qualifications?
We are well versed in the topics highlighted above and have received many awards and accolades.  More importantly, we feel our sincere desire to help our clients by keeping their best interests first at all times is our greatest gift.  We believe in starting our relationship with transparency.  Our honesty and transparency has made our clients choose us and remain with our firm for their lifetimes. 
 Any Other Questions?
If you have any other questions or specific requests, please reach our to our reservation line or email us directly.

© 2020 Kevin Spear / Tax Free Always - All Rights Reserved

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