ZERO IS YOUR HERO!: Why You Need A "Zero" In Your Retirement Plan

by Lance A. Mays

Overview

The smartest number in retirement isn't a million, it's zero. Financial strategist Lance A. Mays reveals why true freedom begins when you have zero taxes, zero risk, and zero losses from your retirement nest egg. Move accounts from forever taxed to never taxed accounts. Enjoy stress-free retirement income and take control of your financial future on your terms, not the government's.

Through relatable stories and straightforward advice and examples, Mays explains how traditional "defer, defer, defer" advice traps retirees in higher taxes and unnecessary stress. Instead, he introduces the Three Phases of Money and the Three Bucket System. Showing you how to reposition savings from taxable and tax-deferred accounts into sound tax-free vehicles. You'll learn and understand why taxes are "on sale" today, how to convert wisely before potential tax changes by 2028. How to protect your wealth from inflation, government regulation, and the largest unknown - long-term healthcare costs in retirement. You'll learn strategies to safeguard your estate from all of these potential pitfalls.

Practical, empowering, and easy to understand, Zero Is Your Hero helps you keep more of what you've earned, create a financial legacy for your family, and enjoy peace of mind knowing your retirement income is protected, tax-free, sustainable, and completely under your control!

Product Details

ISBN-13:	9798260340172
Publisher:	Barnes & Noble Press
Publication date:	10/25/2025
Pages:	118
Product dimensions:	6.00(w) x 9.00(h) x 0.44(d)

About the Author

Lance A. Mays has over 30 plus years of experience in estate planning, tax-free and tax-advantaged income planning, and all areas of financial services. He has worked for several of the nation's largest insurance and financial services companies at the highest levels. Mays is a Certified Senior Advisor (CSA) member of The Million Dollar Round Table (MDRT), TOP of the Table, and the National Ethics Bureau.

Mays has focused solely on sound, time-proven, conservative retirement strategies that never put clients’ hard-earned retirement dollars at risk of loss. Mays has periodically written for different magazines and newspapers. For over 10 years, he hosted a daily National call-in financial talk radio program based out of San Francisco, CA, and then wrapping up in Salt Lake City, Utah, called “Wall Street Meets Main Street”.

Tax-Free and Tax-Advantaged Retirement Income Planning, Estate Planning, Estate Asset Protection, Life Insurance, Annuities, Long-Term Care, Life Settlements, and Life Insurance Premium Financing are services provided through licensed and bonded affiliates of West Coast Brokerage (WCI) and AMC Financial Services.

Premium Financing is a specialty service that enables qualified individuals to secure large amounts of life insurance without liquidating their current assets. This product is sought after to obtain larger life insurance policies for the benefit of their families, protecting their estates, and potential estate taxes.