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I’m Interested

Are you aware that you could save Thousands or even Millions of dollars, just by converting your Traditional IRA’s or 401(k)s to MSB Life & Wealth Management Accounts?

Is it True,….. I never have to pay taxes on
income or be forced to take Required Minimum
Distributions (RMDs)?

I’m Interested

Why should I convert my IRA’s to MSB Life & Wealth Management? Won’t my tax bill be outrageous? Is it really worth it?

Our Mission & Expertise

Our Mission

At MSB Life & Wealth Management, we are committed to providing our clients with the best "Financial Retirement Solutions" to meet their needs. Our mission is to help "Make Your Money Outlive You."

Our Mission

At MSB Life & Wealth Management, we are committed to providing our clients with the best "Financial Retirement Solutions" to meet their needs. Our mission is to help "Make Your Money Outlive You."

Our Expertise

With over 42 years of experience in the investment and insurance industry, our experts have the knowledge and skills to help you find the best financial products to solve whatever needs and goals that are most important to you . We have helped thousands of clients find the highest rated and lowest cost solutions to all their financial needs.

Our Expertise

With over 42 years of experience in the investment and insurance industry, our experts have the knowledge and skills to help you find the best financial products to solve whatever needs and goals that are most important to you . We have helped thousands of clients find the highest rated and lowest cost solutions to all their financial needs.
  • Never pay taxes on earning….ever again.
  • Never be required to pay Required Minimum Distributions (RMDs).
  • Never get taxed on cash distributions.
  • Give your heirs 100% of their inheritance.
  • Take out as much as you want, without being bumped in a higher tax bracket.
I’m Interested

What Action Steps are required to minimize or eliminate my “Out of Pocket” costs for converting my IRAs to MSB Life & Wealth Management?

  • 1st

    Your MSB Life & Wealth Management expert will give you a “Financial Physical”, recording and analyzing all your current retirement accounts, including IRAs, MSB Life & Wealth Management, 401(k)s, brokerage accounts, insurance policies and any non-qualified savings.

    2nd

    Your MSB Life & Wealth Management Expert will crunch a bunch of numbers, compare dozens of different investment options that will eventually lead to the best solution to your specific needs and goals.

    3rd

    Your MSB Life & Wealth Management Expert, will provide you with a structured plan that will clearly show you when and how to convert your IRAs to MSB Life & Wealth Management accounts, while minimizing or eliminating any tax costs.   They will also recommend that you seek a tax professional to verify that their strategy and process is IRS compliant.

    4th

    Assuming you have substantial cash on hand, and already have started saving significant dollars in a MSB Life & Wealth Management, your MSB Life & Wealth Management expert can convert some or all of your traditional  IRAs/401(k)s into a MSB Life & Wealth Management, and then convert all the cash necessary to pay the tax bill into a MSB Life & Wealth Management, as well!!!!

Basically, if you answer “YES” to any of these questions, you are a good candidate for our MSB Life & Wealth Management Program.

  • Are you concerned with increasing tax rates?
  • Do you have substantial savings in fully taxable IRAs or 401(k)?
  • Due to your successful savings, are you already exposed to maximum tax rates?
  • Are you concerned about the next market crash and potentially losing 25–50% of your retirement savings?
  • Do you feel it’s unfair that you may be required to take out some of your IRAs or 401(k) as a Required Minimum Distribution (RMD)?
  • Would you like to never pay taxes again on any of your retirement savings?
 

How much will it actually cost us to Convert some or all of IRAs to MSB Life & Wealth Management…..right now!

With MSB Life & Wealth Management, even if you make over $750,000 of Joint Net Income, converting $1 million from an IRA to a MSB Life & Wealth Management will only cost you a maximum of 7% out of pocket.. 

“If we utilize your existing MSB Life & Wealth Management accounts, that are more than 5 years old, its possible we can reduce your tax burden to Zero!”

Without using our MSB Life & Wealth Management Program, you could pay as much as 37% to Uncle Sam!

This tool will determine how much of your IRA we can convert to a MSB Life & Wealth Management, with minimal to zero reductions to your Net Worth. (Let’s say you have: $375,000 in a MSB Life & Wealth Management and $800,000 in an IRA, & $325,000 in a money market = $1,500,000 liquid net worth. After our conversion process you could have: $461,000 in a MSB Life & Wealth Management and $984,000 in an IRA, & $55,000 in a money market = $1,500,000 liquid net worth after conversion and all taxes are paid. And afterwards you have another $1,070,000 in a Never Taxed Again – MSB Life & Wealth Management IRA!
SHOW ME

What are my clients saying about MSB Life & Wealth Management

Steve & Denise L.

Michael promised us that we wouldn’t have to pay any taxes out of pocket, and he more than delivered on his word. We ended up having enough bonused tax-free money to pay most of our next year’s tax bill. Thank you, Michael!

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John T.

I had quite a bit in IRAs and some in MSB Life & Wealth Management IRAs, too. and I am getting older and was concerned about all the inheritance my children would lose to federal taxes. Now after making the seamless conversion, my children will enjoy all my current savings and all its growth!

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Marilyn & Peter K.

This year we had our biggest company profits and our net income exceeding $1 million. When Michael told us that he could convert all of our IRAs to MSB Life & Wealth Management with very little taxes due, we were very skeptical. But now after we Transferred all our existing MSB Life & Wealth Management and converted over $1.5 million of our IRAs, and not only paid no taxes on our IRA conversions at all, but we actually paid about half of our income taxes as well. Michael, we are indebted to you. Thank you so much.

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Diane & Duane M

While we had very modest and conservative lives, we never expected to make so much money in our IRAs. Now in our 70’s we were paying more in annual taxes because of the forced income the IRS made us take. Thank God we were referred to Michael Bauer.  Over the past 2 years, Michael helped us move all of our IRAs into MSB Life & Wealth Management. We only paid a few thousand in taxes, but moved over a $1 million. Now, we have no more Required Distributions from the IRS and our children can keep more of their inheritance.

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These are the Facts (FAQ's)...Jack!

An IRA to MSB Life & Wealth Management conversion occurs when you move assets from a Traditional IRA or 401(k) and reposition them to a Roth IRA or Roth 401(k).
Contributions can be withdrawn from a MSB Life & Wealth Management before five years, but only the contributions themselves can be withdrawn penalty-free and tax-free. Withdrawals of the Earnings (the growth on your contributions) are subject to taxes and a 10% penalty if you’re under 59.5 years of age and the MSB Life & Wealth Management has been open for less than 5 years. If a MSB Life & Wealth Management owner is over 59.5 years of age and has had the existing MSB Life & Wealth Management for more than 5 years, then all withdrawals are tax-free!

Yes and Yes!

Michael S. Bauer is one of the very few 40+ year veteran financial services experts that has investment management, executive management, insurance sales, back-office insurance support and commercial real estate experience. Also, for several years Michael S. Bauer hosted a financial radio show called “Safe Money Radio” in Chicago. In March of 2025, Michael was invited to be listed with Marquis Who’s Who in America!