Make Hay While The
Sun Shines
Retirement Planning, College Planning,
& Medicare Supplements
Maximize Income From Assets
Hello! My name is Joyce Graves. We work helping thousands of people with a unique financial education toward their tax-free retirement. We offer services to clients in southern Middle-Tennessee and beyond helping them with their retirement financial planning and other financial services.
Financial Security
Through my company, Tax Free Retirement, I help individuals with retirement advice. I also offer college planning and Medicare supplements. My company also provides financial information to clients about maximizing income from assets that they may not be aware of. You just may be sitting on a pot of gold and not know it.
Keep Your Hard-Earned Money
My financial planning entails making regular changes to your portfolio to help reduce risk. When you’re ready to draw out, you can do it in such a way to help limit the taxes.
Do you know the two greatest enemies to your wealth? The two biggest enemies of wealth are inflation and taxes. Inflation is beyond our control; however, you might be surprised how much control you can have when it comes to your taxation.
Endure Your Wealth
I always address your need for protection against what could go wrong, such as a need for Medicare or the growing need to address the costs of long-term care as we all age. My job is to be an advocate for those whom you love and care for and make sure that you do not outlive your wealth.
If you are a farmer, would you rather be taxed on your seed or harvest? Did you know that the qualified plans the government has set up for you taxes you on your harvest? We show you how to pay our taxes up front so you do not get taxed on your harvest and there are no strings attached as with the government programs that the government has set up for them—not you?!