Eliminate

Risks, Fees & Taxes

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

As Seen On:

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:

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.

Tax-Free Retirement

Keep More Of What You Earn. Tax-Free Strategies to help your savings grow faster and last longer.

Lifetime Income

Turn your savings into guaranteed income that lasts as long as you do - so you can retire with confidence.

Rollovers & Annuities

Rollover your 401(K) with confidence - protect your savings and create guaranteed income for retirement.

Business Planning

Custom financial Strategies for entrepreneurs - designed to protect assets, support growth, and ensure a smooth transition for long-term business success.

Indexed Strategy

Applying an Indexed Strategy allows you the ability to gain interest based on the performance of an Index, without any downside risk or volatility.

Saving For Future

A Smart Savings Strategy should protect your money from risk, fees and taxes - while giving you flexible, tax-free access, lifetime income options, and built-in protection for life’s what-ifs.

Living Benefits

Safeguard you loved ones’ future and financial stability with coverage that offers peace of mind - even in the face of critical illness or unexpected challenges.

College Funds

Start Building a brighter future today with flexible strategies designed around you - making dreams into a reality.

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 90’s 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.

ABOUT ME

Shelly Xue

Hi, I’m Shelly Xue — and I help individuals and families plan for tax-free retirement and build legacies through smart estate planning.


My path into financial planning began with my career in real estate, where I spent years helping clients make one of the biggest financial decisions of their lives. As I grew personally and professionally, I began investing in real estate myself and experienced how powerful it could be in building long-term wealth. But I also realized that owning assets is only part of the equation — without the right financial strategies, much of what we build can be lost to taxes, poor timing, or lack of structure.


That realization is what inspired me to expand into tax-free retirement planning and estate strategies — to help people not just grow wealth, but protect it, maximize it, and pass it on with purpose. Today, I specialize in creating personalized plans that give my clients peace of mind and a clear path forward, no matter where they’re starting from.


This work is personal for me. I grew up watching my immigrant parents pour everything they had into building a better future for our family. But like so many others, they saw much of their savings wiped out during the 2007 market crash.

That experience left a lasting impression — it showed me that while hard work lays the foundation, smart financial planning is what truly protects and preserves what we build.


Now, as a mom, I carry that lesson with me every day. I’m building a legacy for my son — and I’d be honored to help you build yours too.


Warmly,

Testimonial

Not Just Clients - Lifelong Relationships

Irene Aguas

I’ve had the pleasure of knowing Shelly Xue for over 7 years and have worked with her on several occasions. I can honestly say she’s one of the most reliable and genuine people I know. Her work ethic is inspiring—she puts her heart into everything she does and always follows through. But what I admire most is her integrity. Shelly is honest, grounded, and consistently shows up with kindness and character. She’s someone I trust deeply and truly value in my life.

Lenny Tang

Working with Shelly through our recent transaction was an absolute pleasure. Even though there were ups and downs on our case, she stayed on top of every detail, communicated consistently, and made sure nothing slipped through the cracks. What really stood out was how she showed up for everyone involved. Shelly brings a calm, steady presence and goes out of her way to support others, whether it’s answering late-night questions or offering thoughtful guidance. She’s the kind of person you want on your team—dependable, driven, and genuinely invested in doing things the right way.

Steve Weller

Shelly is someone I’ve really enjoyed working with. She has a sharp eye for detail and a solid understanding of her field, which made the entire process feel smooth and well-handled. Her knowledge is impressive, and she explains things in a way that’s easy to understand. What I appreciate most is how present and supportive she is—always showing up when needed and making sure everyone is on the same page. Shelly is dependable, thoughtful, and definitely someone you’d want on your side.

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.

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.

© 2025 All Rights Reserved | Shelly Xue