Is Your Retirement Plan Tax Optimized? LFG Daily - November 3, 2025

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At Lloyd Financial Group, we’re constantly striving to give you more insight, more clarity, and more confidence when it comes to your money. Our Chief Investment Officer, Colin Symons, now delivers his own daily newsletter, offering deep analysis and a detailed outlook on the ever-changing investment world called Symons Says. Check it out and subscribe if you want a very detailed, daily analysis of the investment world. Colin has amazing content.

Meanwhile, the LFG Daily will continue to bring you quick, actionable summaries — blending market updates with financial planning and tax strategies to help you make smarter decisions every day. Together, they’re the perfect one-two punch: Colin brings the deep dive into Investments, we bring the daily edge.

Luke Lloyd, CEO Lloyd Financial Group

The wealthy don’t cheat the system; they understand it better than most.

When people hear about billionaires or corporations paying little to no taxes, the common response is frustration — “They’re using loopholes!” But here’s the truth: there are no loopholes. There’s just the tax code — and understanding how to legally use it to your advantage.

The U.S. tax code is a massive set of rules and incentives that encourage certain economic behaviors. Congress didn’t write 75,000 pages of code to confuse taxpayers (though it often feels that way); they wrote it to influence how money moves in the economy. Every deduction, credit, and deferral was intentionally designed to reward a specific type of activity — investing, employing people, giving to charity, owning real estate, saving for retirement, or building a business.

The Difference Between Tax Evasion and Tax Strategy

Let’s be clear: tax evasion is illegal. Tax strategy is not. The wealthy don’t evade taxes — they plan them. They have teams of advisors who understand how to position income, assets, and investments in ways that minimize taxes within the law. Anyone can do this with the right education and guidance.

For example:

• Owning real estate allows you to take depreciation deductions, reducing taxable income even while your property appreciates in value.

• Investing in retirement accounts like 401(k)s or IRAs lets you defer or eliminate taxes on investment growth.

• Owning a business opens the door to dozens of deductions for legitimate expenses — from health insurance premiums to equipment and vehicles.

• Investing long-term instead of day-trading allows you to benefit from lower long-term capital gains tax rates.

• Using charitable giving strategically can reduce your taxable income while supporting causes you care about.

These aren’t tricks or secret backdoors — they’re incentives written into the law to encourage investment, growth, and generosity.

Why Most People Miss Out

The difference between someone who feels “cheated” by the system and someone who benefits from it often comes down to one thing: financial literacy. Most people only think about taxes once a year — in April — while the wealthy plan their taxes all year long.

A proactive tax strategy looks ahead: how your income will change, when to realize gains or losses, when to make large purchases or charitable contributions, and how to structure your assets for the best long-term efficiency.

How to Start Using the Tax Code to Your Advantage

You don’t need to be a millionaire to start playing the same game. Here are a few steps:

1. Get educated — understand the basics of how taxes affect your investments, business income, and retirement plans.

2. Work with a qualified tax advisor or financial planner — someone who looks beyond your annual tax return and focuses on long-term strategy.

3. Think like an investor, not an employee — ownership, equity, and investment income are taxed differently (and often more favorably) than wages.

4. Plan proactively — don’t wait until tax season. Make decisions throughout the year that position you for lower taxes next April.

   
   

The Bottom Line

The tax code isn’t your enemy. It’s a tool — and like any tool, the outcome depends on how well you use it. The wealthy don’t have access to secret loopholes. They simply understand the rules of the game better than most and play it accordingly.

If you want to build real wealth, don’t just focus on making more money. Focus on keeping more of it. The key isn’t to complain about the system — it’s to learn how to use it.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

Colin Symons, CIO Lloyd Financial Group

Fed head Waller said the job market remains weak.

Chinese Manufacturing PMI was weak from a sharp decline in exports, at 50.6 vs. est. 50.9 and prev. 51.2.

Hong Kong grew 3.8% in Q3, the fastest since 2023.

Eight OPEC+ countries agreed to raise oil output by 137K bpd in Dec., then pause in Q1.

The US government shutdown has entered a second month.

The crypto space is selling back to the lower end of the range, with bitcoin down almost -3%.

VIX is also up 1% as markets remain nervous.

Manufacturing PMI and more central bank speakers, today.

What does it all mean? Markets are continuing the march higher, today, though crypto isn’t participating and VIX is up modestly. Nervousness remains.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

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This content is intended to provide general information about Lloyd Financial. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.

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Past performance is no guarantee of future returns.

Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable.