The Rules Of Tax Planning For Retirement Have Changed
The Rules Of Tax Planning For Retirement Have Changed

Master advanced tax strategies with L.I.R.P.s — the essential guide for financial pros and serious planners.
Learn how to take control of your financial future with L.I.R.P.s. This guide by tax expert David Spence reveals powerful strategies to reduce your future tax burden and grow your retirement income — tax-free.
TAXPAYERS Learn How to Protect Your Future

How to AMICABLY Divorce the IRS So You CAN Retire Earlier, Happier, and TAX FREE
Join David Spence, CPA, CFP, CLU, PFS, for this free class where he reveals the truth about today’s economic climate, the 4 biggest myths in tax planning, and why you can’t rely on advisors or the government alone. Learn practical strategies to protect your retirement, reduce tax burdens, and set yourself up for a happier, earlier, tax-free future.
About Dave Spence, CPA, CFP®, CLU, PFS.
Be Prepared for the Future of Finance: Learn the Steps You Need to Take Now!
TAX-FREE TUTORS was founded by David Spence, CPA, CFP®, CLU, PFS, a highly credentialed professional with over 4 decades of experience in financial planning. Dave owns and manages Palladium Wealth Management, LLC, a Registered Investment Advisory firm located in Northern Virginia.
TAX-FREE TUTORS is a network of highly qualified, carefully vetted financial advisors dedicated to educating the general public and other financial professionals on the inevitable tax consequences of unsustainable U.S. National Debt. To prepare for the high likelihood of higher future tax rates, TAX-FREE TUTORS instruct “students” as to how to shelter their retirement nest eggs from future taxes altogether.
Our TAX-FREE TUTORS are experienced, knowledgeable and respected financial professionals from all over the United States. More and more financial professionals are joining regularly.



