Are you a financial advisor looking for the POZ Marketing Program? Click here.

Protect your retirement savings from the impact of rising taxes.

UNTIL TAXES GO UP

Our Mission

Put 1,000,000 Americans on the Road to the
0% Tax Bracket by 2034.

278,885 1,000,000
Based on number of books sold, YouTube subscribers, attendees at Power of Zero retirement workshops, and online client consultations.

Get to the

0% Tax Bracket

If you’re like most Americans, you’ve saved the majority of your retirement assets in tax-deferred vehicles like 401(k)s and IRAs. But what happens when tax rates go up? How much of your hard-earned money will you really get to keep? Unless you can accurately predict what tax rates will be when you take those dollars out, you have no idea how much of that money is really yours.

 

So what’s the solution? The zero percent tax bracket. Why? Because if tax rates double, two times zero is still zero.

Current US
National Debt

$38,019,813,354,700

Get a one-on-one strategy session with a Power of Zero advisor

It’s not too late to transform your retirement. Sign up below, and together we’ll build a strategy to maximize your retirement savings and minimize your tax obligations.

the-guru-gap-cover
USA TODAY BESTSELLER

The Guru Gap

Learn How America’s Financial Gurus Are Leading You Astray, and How to Get Back on Track

“It’s been said that ‘You are entitled to your opinion. But you are not entitled to your own facts.’ In this book David helps you distinguish between the one-size-fits-all, opinion-based advice you often get from financial gurus and the proven, fact-based strategy you’ll need to make your money last.”

 

– Tom Hegna
Author of Paychecks and Playchecks

The Power of Zero Philosophy

Meet

David McKnight

David McKnight graduated from Brigham Young University with Honors in 1997. He has been featured in Forbes, USA Today, The New York Times, Fox Business, Bloomberg Radio, MarketWatch, CBS Radio, CNBC, Yahoo Finance, Nasdaq.com, Reuters, Investor’s Business Daily, Kiplinger’s and numerous other national publications. David’s bestselling book The Power of Zero has sold over 400,000 copies and the updated and revised version was published by Penguin Random House in 2018. This book was recently made into a full-length documentary film entitled The Power of Zero: The Tax Train Is Coming. When his follow-up book Tax-Free Income for Life launched in November of 2020, it finished the week as the #3 most-sold business book in the world. When his most recent book The Guru Gap launched in December of 2024, it finished the week at #8 on the USA Today Bestseller list and was the top-selling business book in the world. He and his wife Felice have seven children.

Bestselling Author

David McKnight is the author of four #1 Amazon bestselling books, The Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life, The Infinity Code and The Guru Gap. In his bestselling book The Power of Zero, David McKnight laid out a step-by-step plan on how to get to the 0% tax bracket in retirement. Why is the 0% tax bracket so important? Because if tax rates double, as some experts predict, two times zero is still zero!

DAVID MCKNIGHT HAS BEEN FEATURED ON:

forbes-logo
usa-today-logo
cbs-radio-logo
CNBC
market-watch-logo
NYT
fox-business
bloomberg-business-logo
IBD
Yahoo_Finance
Kiplinger-logo
Nasdaq
cheddar-tv-logo
Bloomber-Radio
Reuters
huffpost
thestreet-logo
morningstar-logo
nerdwallet-logo
msn-logo
vox
ap
the_globe_and_mail-logo
aol

The Power of Zero Origin Story

Learn How it All Started

Don’t miss a thing! Subscribe to David’s newsletter!
  • This field is for validation purposes and should be left unchanged.
A MAJOR MOTION PICTURE

The Power of Zero

The Tax Train Is Coming

As the US debt spirals out of control, it polarizes society and threatens to disrupt traditional retirement options with an impending freight train of onerous taxes and draconian austerity measures.
Buy or Rent on:
“This movie examines the exploding debt bomb and the coming consequences for YOUR personal financial life.  If you watch ONE movie this year, make it this one!!”
Tom Hegna, Author, Speaker and PBS Host

The Power of Zero Podcast

The Power of Zero Show was created with the express purpose of helping 1,000,000 Americans get on the road to the 0% tax bracket in retirement within the next 10 years.

Spotify Podcast
Apple Podcast

The Power of Zero

YouTube Channel

Your source for first-hand discussions of all things Power of Zero!

The Power of Zero

YouTube Channel

Your source for first-hand discussions of all things Power of Zero!

The Power of Zero

YouTube Channel

Your source for first-hand discussions of all things Power of Zero!

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ Did you know there are four different ways to pay the tax on a Roth conversion—and choosing the wrong one could cost you thousands? Most people don’t realize that how and when you pay your Roth conversion tax can affect penalties, efficiency, and even your overall retirement income. In this video, I break down the four tax payment methods you can use when completing a Roth conversion, along with their pros, cons, and ideal use cases. You’ll learn how IRS timing rules work, why underpayment penalties happen, and which strategy allows your Roth dollars to grow most efficiently. Whether you’re under 59½ or already retired, this guide will help you avoid unnecessary taxes and keep your Roth strategy on track for maximum long-term growth. ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ⏱️ Timestamps: 00:00 – Why how you pay the tax on a Roth conversion matters 00:30 – IRS income timing rules and underpayment penalties 01:00 – Option 1: Pay tax from cash or a taxable account (most efficient) 02:00 – Form 2210A-1: How to avoid underpayment penalties 02:30 – Option 2: Withhold tax at the time of conversion (simpler but less efficient) 03:00 – Option 3: Take a second IRA distribution to pay the tax 03:45 – Option 4: Make estimated tax payments quarterly 04:30 – Comparing all four options: efficiency vs. simplicity 05:00 – Final thoughts: choosing the right method for your situation ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter - @mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLlVZbjRSNkhtbmhz

Four Ways to Pay Tax on Your Roth Conversion

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLjROY1VTQnRkdDRR

Prepare For Social Security Cuts

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLlBVM0VyMks5bDgw

Social Security’s Dark Future

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ Can younger generations still build wealth the old-fashioned way? Many millennials and Gen Z investors are chasing crypto, NFTs, and speculative “moonshots” while dismissing traditional investing as outdated—but that mindset can be dangerous. In this video, I share details about my upcoming book, a financial parable written specifically for millennials and Gen Z. It follows a social media influencer who believes he’s found the future of investing—until his ideas are challenged and he’s forced to learn seven timeless principles of wealth-building that actually work. I explain why I chose this story-driven approach, how it weaves in Power of Zero principles, and why it’s designed to engage the next generation of savers in a way that traditional finance books can’t. ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ⏱️ Timestamps: 00:00 – Why my new book is aimed at millennials and Gen Z 00:30 – The problem with speculative investing in younger generations 01:00 – The story of Caleb Calloway: a social media star chasing “moonshots” 02:00 – The lesson: how traditional investing principles still build real wealth 02:30 – A modern financial parable for today’s investors 03:00 – When the book releases and what readers can expect 03:40 – Other recommended financial reads for young professionals ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter - @mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLkZITVFYODlJbHlr

New Book Reveals Secrets for Millennial and Gen Z Wealth Creation

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLldFRGpyMGttNkJB

The Future of the Stock Market

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLm5ZQk83ZVYzSGtn

Dave Ramsey Says Avoid Bonds?

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ Are you prepared for the rising cost of long-term care? Most retirees underestimate how devastating a long-term care event can be to their savings—and how easily it can wipe out decades of careful planning. In this episode, I break down modern solutions for long-term care that go beyond traditional insurance. I share how hybrid life insurance policies let you access your death benefit while still alive to cover long-term care expenses—and why that can be a smarter, more flexible approach than paying premiums you may never use. Mark Byelich and I also discuss new tools like the Water Lilly AI platform, which helps predict your personal risk and costs of long-term care. We explain why cash value life insurance remains one of the most tax-efficient strategies in the IRS code and why individualized planning—not one-size-fits-all guru advice—is the key to real retirement security. ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ⏱️ Timestamps: 00:00 – Why long-term care is a growing threat to retirement 00:30 – The “four parents” example: why every retiree needs a plan 01:00 – How traditional long-term care insurance falls short 02:00 – The hybrid solution: life insurance with long-term care benefits 03:00 – Avoiding the “use it or lose it” problem 04:00 – Real-life stories of how fast savings can disappear 05:00 – How the Water Lilly AI tool personalizes long-term care risk 06:00 – Using cash value life insurance as a long-term care solution 07:00 – Why it’s the single greatest tax benefit in the IRS code 08:00 – Why you need customized advice—not guru generalizations ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter - @mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLnRWYUVRSkYwekRV

The BEST Way to Protect Against Long-Term Care

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLkt3dVprNzlMcWFB

Don't Trust Stock Market Forecasts

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLjNqWE5BdzhPWEJZ

Vanguard’s Shocking 4% Stock Market Prediction