In this video, I walk through the retirement playbook the ultra‑wealthy actually use.

By reducing tax drag, wealthy people can spend 30% more per year in retirement without taking more market risk.

It all comes down to portfolio design and structure, not picking stocks.

Some of the tools they use:

• Securitized affordable housing loans targeting double‑digit tax‑exempt yields
• Using depreciation + 1031 exchanges to shelter rental income and avoid capital gains on real estate
• Pairing tax‑aware long/short SMAs with no‑distribution ETFs to change the character of bond income
• Pairing tax‑aware hedge funds with private credit to generate high, tax‑deferred cash flow
• Borrowing against portfolios with box spread loans instead of constantly selling appreciated securities and triggering taxes

Put together, these are the kinds of structures that quietly increase after‑tax cash you can actually spend, year after year.

Give it a watch and let me know what you think.