This document discusses 3 basic tax planning strategies: contributing to 401(k)s, traditional IRAs, SEPs, 403(b)s or 457s to defer taxes to later; contributing to Roth IRAs to pay taxes now but have qualified withdrawals be tax-free later; and using the Infinite Banking Concept to pay no taxes today or later. It promotes helping clients achieve financial empowerment, maximum potential, and certainty through creating, building, and protecting wealth for life with tax planning strategies.