Eliminate
Risks, Fees & Taxes
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
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 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
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.
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?”
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.
Tax-Free Retirement
Keep More Of What You Earn. Tax-Free Strategies to help your savings grow faster and last longer.
Lifetime Income
Turn your savings into guaranteed income that lasts as long as you do - so you can retire with confidence.
Rollovers & Annuities
Rollover your 401(K) with confidence - protect your savings and create guaranteed income for retirement.
Business Planning
Custom financial Strategies for entrepreneurs - designed to protect assets, support growth, and ensure a smooth transition for long-term business success.
Indexed Strategy
Applying an Indexed Strategy allows you the ability to gain interest based on the performance of an Index, without any downside risk or volatility.
Saving For Future
A Smart Savings Strategy should protect your money from risk, fees and taxes - while giving you flexible, tax-free access, lifetime income options, and built-in protection for life’s what-ifs.
Living Benefits
Safeguard you loved ones’ future and financial stability with coverage that offers peace of mind - even in the face of critical illness or unexpected challenges.
College Funds
Start Building a brighter future today with flexible strategies designed around you - making dreams into a reality.
Is This Right for You?
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.
🤔 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.
About Me
Shanee Jones
Grounded & Empowering Helping Others Rise — One Financial Decision at a Time
I’ve built my career by betting on myself — first as a real estate broker, then as a business owner, and now as a financial professional.
I believe in helping others break free from limitation and learn how money can work for them, not just around them.Whether it’s through insurance strategies or simple financial education, I show people how to move from earning to building.
If you’re ready to make that shift — I’m here to walk with you.
Testimonials
Not Just Clients - Lifelong Relationships
Exceptional Support for Policy Updates
"I recently needed to update my life insurance policy and was dreading the process. But the representative made it incredibly easy. They listened to my needs, offered helpful suggestions, and took care of everything quickly. It was effortless and reassuring."
- Roger Squires, Tampa, FL
Clear and Compassionate Guidance
"I was overwhelmed trying to choose the right life insurance policy, but the advisor was incredibly patient and thorough. They took the time to explain everything in a way I could understand and never made me feel pressured. I felt genuinely cared for throughout the entire process."
-Markia Williams, Atlanta, GA
Personalized Financial Planning with IUL
"I was looking for life insurance with cash value growth potential, and they introduced me to an IUL policy. Not only did they explain the financial mechanics, but they also showed how it could support my retirement strategy. I’ve never felt more confident in a financial decision."
- Shelly François, Baton Rouge LA
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.
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.
© 2025 All Rights Reserved | Shanee Jones
