The Exciting Benefits of Royalty Payments in Retirement


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The 19 Sources of Retirement Income: Royalty Income

Welcome to the Wealth under Pressure Podcast, in which John Smallwood, a certified financial planner, identifies key areas of pressure on your wealth and strategizes with you to reduce it.

In this episode, John continues his series on the 19 Sources of Retirement Income, discussing the part that royalty income can play in your retirement plan.

John is the author of 5 Ways Your Wealth is Under Attack. He has lectured extensively on financial planning and has received the Five StarSM Wealth Manager Award 6 years in a row.

John’s strength lies in his ability and commitment to continually improve the level and quality of the financial planning process. His dedication to his clients’ growth involves an evolving strategy that strives to meet the demands, desires, and needs of his clients in a continually changing economic environment.

Don’t miss John’s takeaways:

  • Royalty income derives from allowing someone else to use your property.
    • Most commonly, you receive royalties from companies that are exploiting oil, gas, or other natural resources on the properties for which you own the mineral rights.
  • Although they are usually taxed as ordinary income, these income sources have unique tax benefits, such as deductions for depreciation or depletion.
  • If you don’t own such assets yourself, you can benefit from them by participating in investments that generate income from oil, gas, and minerals.
    • Although they are sometimes high risk, these investments can nevertheless generate significant income and significant tax benefits.
  • Royalties are also a multigenerational source of income that you can pass to your heirs.
  • As you plan for retirement, ask yourself:
    • How can I get some of this royalty income into my plan?
    • What percentage of my income should it be?
    • Will the rewards outweigh the risks?

Royalties may end up being a low percentage of your overall income, but they can provide sustainable long-term income that is worth having in your plan.

For more on royalty income, listen above. Then visit us at smallwoodassociates.com. Download our 19 Sources of Retirement Income and find out more. Then click the “let’s get started” button, connect with us on social media, or call us at (800) 797-1000. Set up a free, no-obligation 30-minute phone call with an advisor to discuss all of the options for your plan.

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