Eliminate Risks, Fees & Taxes
Graduate from Tax-Deferred to Tax-Free.
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.
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
Fear of losing retirement savings during market downturns, anxiety from watching account balances fluctuate with every economic headline, lack of control over how investments are performing, uncertainty about whether their money will last through retirement. “I’m too close to retirement to risk another crash like 2008.”
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
Many people are concerned about paying high taxes on 401(k) or IRA withdrawals in retirement, and there is often a lack of clarity on how to create a tax-efficient income strategy. Added to that is the fear of rising future tax rates eating into retirement income, along with having no plan to manage Required Minimum Distributions (RMDs). As a result, many retirees end up thinking, “I saved all this money, now I have to give a chunk of it to the IRS?”
There’s a Better Way!!!
Let me show you how to grow and protect your money with control, flexibility, and security.
Traditional Approach
Tax-Deferred (pay taxes later at unknown rates)
Exposed to Market Volatility
1–2% Management Fees Every Year
Early withdrawal penalties
Generic advice based on group plans
Strategic Approach
(Our Method)
Tax-Free Growth & Access
Principal-Protected Strategies
No Advisory or Management Fees
Liquidity with No Age Restrictions
Customized Solutions Built Around You
THE RESULT...
✅ More money stays in your pocket, not the market, not Wall Street, and not the IRS.
✅ You get predictable, tax-free income in retirement.
✅ You gain peace of mind knowing your savings are protected and working for you.
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 90s 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.
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 90s 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.
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.
About
Rafeal Elliott
He's a Colorado native, and in 2015, he began his journey toward becoming debt-free using a combination of the Debt Avalanche and Debt Snowball methods. Four years later, he reached that milestone. But then came the next question: Now what?
He had extra money but no clear direction. He increased his 401(k) contributions, opened a Roth IRA, started a brokerage account, even dabbled in crypto. But something was missing. He lacked a strategy to truly build lasting wealth.
Since then he's been on a hunt to discover ways to protect, grow, and sustain his earnings through generations. Each year, a new puzzle piece revealed something brilliant, but he struggled to communicate it to the people around him.
Everything changed when his wife told him she was pregnant. In that moment, “someday” turned into right now. He eventually learned that the best parts of what he had been learning all pointed to one core philosophy: ERFT—Eliminating Risk, Fees, & Taxes. It's a strategy designed not just to protect your wealth, but to grow and sustain it for generations to come. And it needed to be shared.
This became the foundation for Elliott Wealth & Retirement Solutions.
His mission is simple: Help you keep more of what you’ve earned and never outlive your money in retirement.
About
Rafeal Elliott
He's a Colorado native, and in 2015, he began his journey toward becoming debt-free using a combination of the Debt Avalanche and Debt Snowball methods. Four years later, he reached that milestone. But then came the next question: Now what?
He had extra money but no clear direction. He increased his 401(k) contributions, opened a Roth IRA, started a brokerage account, even dabbled in crypto. But something was missing. He lacked a strategy to truly build lasting wealth.
Since then he's been on a hunt to discover ways to protect, grow, and sustain his earnings through generations. Each year, a new puzzle piece revealed something brilliant, but he struggled to communicate it to the people around him.
Everything changed when his wife told him she was pregnant. In that moment, “someday” turned into right now. He eventually learned that the best parts of what he had been learning all pointed to one core philosophy: ERFT—Eliminating Risk, Fees, & Taxes. It's a strategy designed not just to protect your wealth, but to grow and sustain it for generations to come. And it needed to be shared.
This became the foundation for Elliott Wealth & Retirement Solutions.
His mission is simple: Help you keep more of what you’ve earned and never outlive your money in retirement.
Testimonials
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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.
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.
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