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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.

250,427 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

$36,595,800,737,387

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.

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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:

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The Power of Zero Origin Story

Learn How it All Started

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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.

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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/ Trump just signed the “One Big Beautiful Bill” into law—and it permanently extends the 2017 tax cuts. But is anything in Washington ever truly permanent? In this video, I walk you through the creative accounting that made this bill possible, and explain why I believe this so-called “permanent” extension is actually just a temporary mirage. We dive into the long-term debt projections, the ticking clock on our national fiscal crisis, and why the years between 2035 and 2043 could bring unprecedented tax hikes—even with this bill in place. If you’ve got money in a 401(k) or IRA, you may have less than 10 years to shift those dollars into tax-free territory before tax rates explode. I’ll break down the strategy I recommend and how to make the most of what may still be the greatest tax sale of your lifetime. 00:00 – Intro: Trump’s “Permanent” Tax Cuts Just Became Law 00:30 – The Accounting Gimmick That Made It Happen 01:00 – Why These Cuts Might Not Stay Permanent After All 01:40 – $63 Trillion in Debt by 2035? What That Means 02:30 – The 200% Debt-to-GDP Threshold and Fiscal Collapse 03:00 – Why Massive Tax Increases Could Hit by 2035 03:30 – What This Means for IRA and 401(k) Savers 04:00 – How to Shift to Tax-Free the Smart Way 04:30 – Why the 24% Tax Bracket May Be the Sweet Spot ✅ 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 VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLnRteTdVNVJlVWE4

Why the “Permanent” Trump Tax Cuts Are Temporary

💰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 VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLndOWHF4NS1kcmtZ

The Best Time to Convert To Roth

💰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 VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLkpkMDlFVTFIb3VN

States That Don't Tax Roth Conversions

💰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 VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLjZYMVF5NzFNSXln

Roth Conversion: 8 Taxes You Must Know

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ If your child doesn’t use all the money in their 529 college savings plan, what happens next? Thanks to the Secure Act 2.0, there’s now a powerful new option that could supercharge their retirement savings—and I’m breaking it all down in this video. I’ll show you how unused 529 funds can now be converted into a Roth IRA, completely tax-free and penalty-free… but only if you follow the rules. I walk through the six specific IRS rules you need to know, including holding periods, lifetime caps, earned income requirements, and more. You’ll also see a real-world example that shows how $30,000 of leftover 529 money could become over $500,000 in tax-free retirement savings for your child or grandchild. If you're looking for a smart way to build a legacy and protect against future tax hikes, this is a strategy you don't want to miss. 00:00 – Intro: What Secure Act 2.0 Changed for 529 Plans 00:30 – What Is a 529 Plan and Why It Matters 01:00 – The New Roth Conversion Option for Unused 529 Funds 01:30 – Rule 1: The 15-Year Holding Period 02:00 – Rule 2: $35,000 Lifetime Conversion Cap 02:30 – Rule 3: Annual Roth Contribution Limits Still Apply 03:00 – Rule 4: Beneficiary Must Have Earned Income 03:30 – Rule 5: Contributions Must Be Older Than 5 Years 03:50 – Rule 6: Funds Must Go to the Beneficiary’s Roth IRA 04:15 – Real-Life Example of a $30K Conversion to $500K 05:00 – Final Takeaways for Parents and Grandparents 06:00 – Why This Is a No-Brainer Strategy for Tax-Free Growth ✅ 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 VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLkg5Z0s1aW5IS09F

How To Turn Unused 529 Plan Money into a $500K Tax-Free Retirement Fund

💰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 VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLkFMNjdVMlYzNEZJ

Roth Conversion Mistake That Could Cost You

💰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 VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLndKQUtBd2ZhWFRv

IRA vs. Roth: How Much Should Stay in Tax-Deferred?

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ Headlines from Vanguard, BlackRock, and Morningstar are sounding the alarm: brace yourself for a disappointing decade in the stock market. But before you let fear take the wheel, let’s put these gloomy forecasts in perspective. In this video, I walk you through why these predictions should be taken with a grain of salt—especially given their terrible track record from just ten years ago. We’ll look back at what was forecasted in 2015, what actually happened, and what this means for your investment decisions moving forward. More importantly, I explain why your focus shouldn’t just be on whether the market will grow—but whether your gains will be taxed away. I’ll show you how to invest wisely in a way that protects your returns from rising tax rates through tax-free retirement strategies. 00:00 – Intro: Are Stock Market Returns Doomed for the Next Decade? 00:30 – Why Investors Are Nervous About Recent Market Forecasts 01:00 – A Look Back: What They Predicted in 2015 vs. What Happened 02:00 – Why Market Predictions Almost Always Miss the Mark 02:45 – What Drives Real Market Growth: Innovation & Productivity 03:30 – Why Staying Invested Still Matters 04:00 – How to Protect Your Returns from Rising Taxes 04:40 – Tax-Free Accounts to Consider: Roth IRAs, Roth 401(k)s, IUL 05:10 – The Right Investment Strategy for the Next 10 Years ✅ 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 VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLmxsTUZjUWJzSm9j

Vanguard Prediction: 4% to 5% Stock Returns in Next Decade (Should You Be Worried?)

💰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 VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLnhNQ3ZnM29WRmcw

Roth IRA: The Smart Money Move