Eliminate Risks, Fees & Taxes
Graduate from Tax-Deferred to Tax-Free
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
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
“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
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.
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
Fear of losing retirement savings during market downturns
Anxiety from watching account balances fluctuate with every economic headline
Lack of control over how investments are performing
Uncertainty about whether their money will last through retirement
“I’m too close to retirement to risk another crash like 2008”
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?”
There’s a Better Way!!!
Let me show you how to grow and protect your money — with control, flexibility, and security.
Traditional Approach
Tax-Deferred (pay taxes later at unknown rates)
Exposed to Market Volatility
1–2% Management Fees Every Year
Early withdrawal penalties
Generic advice based on group plans
Strategic Approach
(Our Method)
Tax-Free Growth & Access
Principal-Protected Strategies
No Advisory or Management Fees
Liquidity with No Age Restrictions
Customized Solutions Built Around You
The RESULT
More money stays in your pocket — not the market, not Wall Street, and not the IRS.
You get predictable, tax-free income in retirement.
You gain peace of mind knowing your savings are protected and working for you.
Is This Right for You?
This isn’t a one-size-fits-all plan. It’s a customized strategy built around your goals,
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.
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 risks, fees and taxes — using strategies the top 1% have used for decades — and make them accessible to everyday families.
Diana McNear
Strategic Financial Protection
with a Caregiver’s Touch
Merging healthcare insight with financial planning to build stronger legacies
With decades of medical experience and a Doctorate in nursing, Diana McNear saw firsthand the challenges families face as loved ones age—limited resources, lack of long-term care planning, and the constant worry of financial strain. That experience shaped her mission: to help families protect their health, their independence, and their wealth with clarity and confidence.
As a financial professional, Diana combines her medical insight with practical strategies to prepare clients for retirement and long-term care needs. She understands the realities of aging, chronic conditions, and the costs of care, and uses that knowledge to design solutions that safeguard both well-being and legacy.
Diana’s approach is grounded in values of respect, care, and reliability. She helps clients move beyond misconceptions about insurance and financial planning, showing that these tools are not just for the wealthy—they’re essential for anyone who wants security and peace of mind. Her vision is to empower families and healthcare providers alike with the knowledge and resources to face the future with strength and stability.
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.
Testimonials
Not Just Clients - Lifelong Relationships
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.
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 risks, 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.
Copyright©2025 Diana McNear
