—— FREE Live Educational Webinar
You're Making Good Money.
Is Your Tax Strategy Just as Good?
Most professionals pay more in taxes than necessary, watch their retirement savings drop 20–30% when markets decline, and aren't sure if they're on track to retire comfortably.
One 60-minute educational session could change how you think about retirement planning.
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The Problem Most People Don't See
Your Accountant Files Your Return. But Who's Helping You Plan Ahead?
You've been doing everything they tell you to do.
Putting money in your 401(k) every paycheck. Saving what you can. Paying your accountant to file your taxes every year.
But here's what's probably happening:
You're missing strategies that could help reduce your lifetime tax bill.
The money in your 401(k) will be taxed when you take it out in retirement — every single dollar. And every time the market drops, you're losing years of progress.
"I have $800,000 saved. I thought I was doing great. Then I learned how much I'll pay in taxes on that money when I retire."
"I'm 55. When the market crashed in 2022, I lost almost 20%. I don't have another 20 years to recover from that."
"I make good money but my accountant said I can't use a Roth IRA. Nobody told me there might be other options."
These aren't unique problems. They're common gaps in traditional financial planning.
What This Inaction May Be Costing You
Following "Standard Advice" May Leave Money on the Table
Illustrative Example
Consider a couple, both 52, making $380,000 combined.
They've been doing it "right" for 25 years:
401(k) Contributions
$1.4 Million Saved
Taxable Accounts
$320,000
Annual CPA Cost
$800
Approach
Standard Recommendations
Here's what may be happening:
01
That $1.4 million could face significant taxes in retirement — potentially $400,000+ over their lifetime depending on how withdrawals are structured.
02
Their taxable accounts generate annual tax bills — reducing potential growth compared to tax-advantaged alternatives.
03
Market declines in 2022 reduced their portfolio value by nearly 20% — at a time when capital preservation becomes more important.
04
Income limits appear to prevent Roth IRA contributions — though there may be legal strategies their CPA hasn't mentioned.
Tax inefficiency could cost hundreds of thousands of dollars over
20–30 years.
Not because they made mistakes. Because nobody showed them
different approaches.
What You'll Learn in This Educational Session
Strategies That May Help You Keep More of What You Earn
This isn't generic "save more, spend less" advice. This is educational content on approaches that may be worth exploring with your financial professional.
01
Understanding Tax-Advantaged Account Strategies
How different account types are taxed — and why the placement of your assets across these accounts may impact your lifetime tax bill.
02
The Mathematics of Compounding
Simple calculations showing how money can grow over time — and why seven-figure retirement accounts may be more achievable than many people think.
03
Strategies for High-Income Earners
Educational content on approaches that may allow access to Roth benefits even when income limits apply — and when these strategies might make sense.
04
Understanding Fixed Index Annuities
An educational overview of how these insurance products work, including how they may offer potential for growth with downside protection — with a full explanation of features, limitations, and when they might fit.
05
Creating Retirement Income Streams
How to think about Social Security timing, tax-efficient withdrawal strategies, and other considerations for retirement income planning.
06
Life Insurance Planning for Different Life Stages
How the purpose of life insurance may change from income replacement in your 30s to legacy planning and potential long-term care benefits in your 50s and beyond.
07
Live Q&A Session
Your specific questions answered in real time. Bring your situation and get educational information to help inform your decision-making.
Your Instructor
Hima Kongara
Licensed Insurance Professional · Former Software Engineer at Apple
I grew up watching my parents work hard and still worry about money. Not because they weren't smart with it.
Because nobody ever explained how financial planning actually works.
I became a Licensed Insurance Professional after years at Apple watching intelligent engineers make $200,000–$400,000 and still feel uncertain about retirement — not because they weren't saving, but because the strategies weren't clearly explained.
I made it my mission to provide financial education in language anyone can understand.
This monthly webinar teaches the same concepts often reserved for clients with significant assets — available to anyone interested in learning.
No cost. No sales presentations during the educational session. Just information.
Is This Webinar Right for You?
This May Be Most Relevant
If You…
Most relevant if you
Have household income of $200,000 or more
Have at least $300,000 in retirement savings
Are between ages 45–65
Want to better understand your planning options
Have concerns about market volatility affecting retirement
Want to understand tax planning strategies
May not be the right fit if
You're early in your career with limited savings (consider attending in a few years)
You're completely confident in your current strategy and don't want additional perspectives
You're not interested in educational content about insurance and annuity products
Reserve Your Free Seat
Yes — I Want to Attend
Presented by Hima Kongara · finance.with.hima
Licensed Insurance Professional · Pleasanton, CA
Common Questions
Is this really free?
Yes. Completely free educational content. I am compensated by the insurance companies whose products I am licensed to offer — not by charging for educational webinars.
Will you try to sell me something during the webinar?
No. This is an educational session only. If you want to schedule a private consultation afterward to discuss specific product recommendations, that's available — but completely optional.
I already work with a financial advisor. Should I still attend?
Yes. This educational content may help you better understand your options and know what questions to ask. Think of it as a second opinion or additional education.
Do I need to prepare anything?
Just bring your questions. If you want to ask about specific scenarios during Q&A, having a general understanding of your savings and income is helpful but not required.
What topics will you discuss?
This educational webinar covers various retirement planning concepts including different account types, life insurance, and fixed index annuities. All information is for educational purposes.
© 2026 Hima Kongara · finance.with.hima
Licensed Insurance Professional · Pleasanton, CA
Important Disclosures: For educational purposes only. This webinar provides general educational information and is not personalized financial, tax, or legal advice. You should consult with qualified professionals regarding your specific situation.
Insurance products and services are offered through licensed insurance professionals. Investment advisory services, if discussed, are educational in nature only.
Fixed index annuities are insurance products. They are not investments and are not insured by the FDIC or any federal government agency. Product features, including any optional riders, limitations, exclusions, and surrender charges, will be explained during educational sessions.
Guarantees and protections referenced are subject to the claims-paying ability of the issuing insurance company and apply to insurance products only. Tax, legal, and accounting information provided is for educational purposes only and should not be considered tax or legal advice. Examples used are hypothetical and for illustrative purposes only. Individual results will vary based on specific circumstances.