Your 401(k) can be a great starting point for building wealth, but for high-income earners, it’s not enough to focus solely on your 401(k).
In this short video, Rory O’Hara takes you through additional, tax-efficient investing strategies that can set you up for long-term success.
Integrating your 401(k) and other retirement accounts is a key part of your long-term wealth plan. Watch now!
Transcript
Why High-Income Earners Need More Than a 401(k)
Most professionals understand that 401(k)s are a solid foundation for retirement savings.
But if you’re a high-income earner, relying on your 401(k) alone likely won’t get you where you want to go. Hi, I’m Rory O’Hara, founder and senior managing partner at Ausperity Private Wealth.
Thinking Beyond Conventional Investing
Today I want to show you how to think beyond conventional investing and build a wealth strategy designed for today’s top earners.
Annual 401(k) limits cap the potential of tax advantage accounts for high earners.
Required minimum distributions (RMDs) can create significant tax burdens later in life.
The Challenges High Earners Face
We see it all the time. The result? Even diligent savers can find themselves underprepared or overtaxed. That’s why our clients balance 401(k)s with strategically chosen taxable investments and alternative assets.
Keeping More of What You Earn Through Tax Strategies
The goal isn’t to just grow wealth, it’s to keep more of what you earn. Advanced tax strategies like asset location and tax-loss harvesting are essential. For qualified investors, some modern hedge fund strategies are designed specifically to reduce current year income tax,
both legally and effectively.
Tax-Efficient Tools for Long-Term Planning
Municipal bonds, Roth conversions, and charitable strategies like QCDs (qualified charitable distributions) also help control tax outcomes across your lifetime.
The Rise of Private Investments for High Earners
Private investments, including private equity, real estate, and private credit, are no longer reserved for ultra-high-net-worth investors. Evergreen funds and lower minimum entry points are making private markets more accessible and practical for higher earners.
Benefits of Private Markets in Today’s Economy
Those vehicles often offer lower volatility, strong income potential, and valuable portfolio diversification, especially in uncertain markets.
Outdated Models vs. Modern Diversified Planning
Here’s a truth many overlook: the average advisor is nearly 60 years old and often locked in to outdated stock-and-bond-only models. At Ausperity, we believe diversification should include thoughtful access to private markets, not just traditional public investments.
That’s why working with a CERTIFIED FINANCIAL PLANNER® who understands and can source alternative investments is not just helpful, it’s critical.
Aligning Wealth With Values and Legacy
Building wealth is more than just numbers. It’s about your values, your vision, and the legacy you want to create. We build comprehensive plans that align your investments with your lifestyle goals, your tax strategy, and your long-term legacy.
A Planning Framework for Every Stage of Life
Our planning framework ensures you remain in control and confident, whether you’re in growth mode, preparing for retirement, or transitioning wealth to the next generation.
Partnering With Experts in High-Income Wealth Strategy
At Ausperity Private Wealth, we specialize in customized, forward-looking strategies for high-income earners.If you’re ready to explore how alternative investments and modern tax strategies can reshape your financial future, reach out to us today. Visit our website at AusperityPrivateWealth.com to schedule a private consultation.
Thanks for watching. I look forward to helping you move forward with confidence.