By: Michael R. Blahusch CFP®, ChFC®, CRPC®, MBA

You’ve worked hard to build wealth. But true financial mastery isn’t just about accumulation—it’s about alignment, efficiency, and ultimately, impact. 

The Wealth Mastery subscription from RetireUS is designed for individuals and families ready to take full control of their financial lives—leveraging all household assets, optimizing every income stream, and preparing to leave a meaningful legacy. 

This plan includes everything from Basic Planning and Tax Mastery—goal setting, investment alignment, cash flow optimization, and tax minimization—but adds the advanced tools needed to coordinate complex income and design a generational wealth strategy.

What’s Included in Wealth Mastery? 

Wealth Mastery brings together the full power of the RetireUS planning suite, plus two additional frameworks built specifically for advanced income and estate planning: 

✅ Lasting Legacy® 

A forecasting tool that models your estate’s future value, tax exposure, and potential wealth transfer outcomes—so you can make intentional choices around gifting, trusts, and family planning. 

✅ Wealth Hierarchy® 

Our advanced system for coordinating stock grants, deferred comp plans, business income, and real estate—all designed to help maximize your plan’s growth without sacrificing control or liquidity. 

Together, these tools can help allow you to master not only the growth of your wealth, but also its distribution and legacy.

Goal Planning Stage: Resilient Retirement® + RMD Roadmap® + Lasting Legacy® 

As with previous plans, we start by defining your retirement lifestyle, organizing your priorities, and running holistic projections. 

But in Wealth Mastery, we go further. Modeling your estate, evaluating your income complexity, and identifying the most effective strategies for both lifetime use and long-term transfer. 

In this stage, we’ll help you: 

• Analyze Your Future Legacy Value We project the value of your estate at death, incorporating growth, withdrawals, taxes, and charitable intentions—so you can see the long-term implications of your financial plan.
• Map Complex Income Sources We model how equity comp, real estate, pensions, annuities, and business income all interact—helping you to make sure you’re not overpaying in taxes or missing critical opportunities. 
• Build an Estate Strengthening Strategy From gifting strategies to trust structures, we identify ways to aid in possibly minimizing estate taxes, which can protect your legacy from erosion, without compromising your current lifestyle or financial independence. 

You’ve grown your wealth. Now it’s time to secure it and shape what it means for the next generation.

Cash Flow Planning Stage: Cash Flow Hierarchy® + Tax Hierarchy® + Wealth Hierarchy® 

At this level, income planning is about coordination and efficiency across multiple types of earnings, not just W-2 income or IRA withdrawals. 

We help you: 

• Analyze Your Total Income & Compensation This includes RSUs, ESPPs, K-1s, business profit, Social Security timing, and deferred comp; all organized into a unified, cash-flow plan. 
• Design Tax-Free Gifting Strategies We explore ways to transfer wealth during your lifetime through annual exclusion gifts, 529s, or donor-advised funds. These vehicles can maximize impact while helping to minimize tax exposure. 
• Build a Complex Income Strategy Whether it’s how and when to exercise stock options, convert deferred comp, or sell real estate, we create a personalized roadmap to accelerate your goals without creating unintended tax drag.

Who Is Wealth Mastery For? 

This subscription is ideal for: 

• Individuals with equity comp, rental income, or business ownership 
• Pre-retirees who have already accumulated $1M+ in retirement and taxable assets 
• Families looking to implement wealth transfer or gifting strategies 
• Anyone who wants to blend financial independence with long-term impact

Take the Final Step Toward Financial Mastery 

Wealth Mastery isn’t about complexity for its own sake. It’s about simplifying the advanced so your wealth can serve you, your family, and your legacy with intention. 

📊 Start with your free Financial Checkpoint 

📅 Schedule a Legacy Session with a Wealth Concierge

This article is provided by McAdam LLC dba RetireUS for informational purposes only. Investing involves the risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results and may have been impacted by events and economic conditions that will not prevail in the future. No portion of this article is to be construed as a solicitation to buy or sell a security or the provision of personalized investment, tax, or legal advice. Certain information contained in this report is derived from sources that McAdam believes to be reliable; however, the Firm does not guarantee the accuracy or timeliness of such information and assumes no liability for any resulting damages. Opinion piece disclosure: This article is the sole opinion of this individual and is not indicative of the firm’s belief. This represents a very general comparison and may not include all the information related to the product, security, investment shown or pros and cons. Please review the product prospectus provided for full details regarding the specific investments or strategies presented. Any references made regarding the taxable nature of your investments should not be construed as tax advice. McAdam LLC is not a tax advisory firm; therefore, any tax decisions or assumptions should be made/verified with your tax professional.