This book provides the financial and tax recipe that identifies a formula to follow to protect your money from paying your unfair share in taxes. Understanding how the tax code works and learning about which investments or financial products are best suited to optimize tax savings is very important. Fully UPDATED for 2021 and the NEW TRUMP TAX LAW, 2021 Tax Tables plus the new SECURE ACT. The author has been a practicing Certified Financial Planner™ (CFP®) since July 2000 for clients across the country and has also earned the RICP® designation (Retirement Income Certified Professional) in January 2017. His financial planning practice is centered on the firm beliefs that 1) people should not pay a dime more in taxes than the law requires... 2) nor should they take an ounce more risk than they need to to reach their financial goals.This book provides the financial and tax recipe that identifies a formula to follow to protect your money from paying your unfair share in taxes. Understanding how the tax code works and learning about which investments or financial products are best suited to optimize tax savings is very important. Fully UPDATED for 2021 and the NEW TRUMP TAX LAW, 2021 Tax Tables plus the new SECURE ACT. The author has been a practicing Certified Financial Planner™ (CFP®) since July 2000 for clients across the country and has also earned the RICP® designation (Retirement Income Certified Professional) in January 2017. His financial planning practice is centered on the firm beliefs that 1) people should not pay a dime more in taxes than the law requires... 2) nor should they take an ounce more risk than they need to to reach their financial goals.