Eliminate Risks, Fees & Taxes
Graduate from Tax-Deferred to Tax-Free
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
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
“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:
Market Volatility
Fear of losing retirement savings during market downturns
Anxiety from watching account balances fluctuate with every economic headline
Lack of control over how investments are performing
Uncertainty about whether their money will last through retirement
“I’m too close to retirement to risk another crash like 2008”
Fees
Frustration over hidden advisor or management fees eating into returns
Not realizing how even a 1% fee can erase years of income over time
Confusion about what they're actually paying for — and whether it's worth it
Feeling trapped in fee-heavy accounts with limited flexibility
“Why am I paying fees even when my account is losing money?”
Taxes
Concern about paying high taxes on 401(k) or IRA withdrawals in retirement
Lack of clarity on how to create a tax-efficient income strategy
Fear of rising future tax rates eating into retirement income
No plan to manage RMDs (Required Minimum Distributions)
“I saved all this money... now I have to give a chunk of it to the IRS?”
There’s a Better Way!!!
Let me show you how to grow and protect your money — with control, flexibility, and security.
Traditional Approach
Tax-Deferred (pay taxes later at unknown rates)
Exposed to Market Volatility
1–2% Management Fees Every Year
Early withdrawal penalties
Generic advice based on group plans
Strategic Approach
(Our Method)
Tax-Free Growth & Access
Principal-Protected Strategies
No Advisory or Management Fees
Liquidity with No Age Restrictions
Customized Solutions Built Around You
The RESULT
More money stays in your pocket — not the market, not Wall Street, and not the IRS.
You get predictable, tax-free income in retirement.
You gain peace of mind knowing your savings are protected and working for you.
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.
Jamey Holmes
Strategic Guidance for a Stronger Financial Future
A mission rooted in service, integrity, and lifelong protection. Helping clients reduce risk, protect wealth, and move confidently toward their financial goals.
With more than 30 years of experience building and managing real estate portfolios, Jamey Holmes brings a seasoned, analytical, and service-driven perspective to financial protection. His early career taught him the importance of branding, disciplined goal-setting, and client education. These principles helped him rise from zero accounts to becoming a nationwide top producer. Now, he applies that same strategic mindset to helping individuals and families safeguard their assets for the long term.
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Jamey understands firsthand the costs of not knowing how to protect one’s finances. That defining experience fuels his commitment to equipping clients with practical and proven strategies that reduce exposure, minimize taxes and fees, and preserve both wealth and reputation. Having built a large book of business and overcome industry challenges himself, he recognizes that true success comes from preparation, clarity, and the right guidance.
Today, Jamey focuses on helping clients create secure futures with confidence. He believes in walking people through each decision, eliminating guesswork, and providing steady, informed support that empowers them to move forward with purpose. His goal is to deliver strategic protection that stands the test of time and help families build legacies they can be proud of.
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.
Testimonials
Not Just Clients - Lifelong Relationships
Working with Jamey Holmes during my financial advisement process has been an exceptional experience. His level of strategy, professionalism, and due diligence is truly unmatched.
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Jamey has a rare ability to break down complex financial concepts in a way that is both clear and empowering, and he consistently goes above and beyond to ensure every detail is handled with excellence.
What impressed me the most was his strategic approach to final expense planning. Jamey guided me through each step with precision, making sure every option was thoroughly reviewed and every recommendation aligned with my goals. His commitment to helping clients close final expense deals efficiently—and ethically—is outstanding.
Jamey is not just knowledgeable; he is trustworthy, dependable, and genuinely invested in the success of the people he serves. I’m grateful for his expertise and highly recommend him to anyone seeking a dedicated and strategic financial advisor.
Dr. Ibee O
Working with Jamey Holmes has been an empowering experience. His professionalism, clarity, and deep understanding of Clint’s First mentality instilled confidence and support in me.
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Jamey Holmes has a talent for simplifying complex concepts and is genuinely committed to his clients' success. If you're looking for someone with expertise and integrity, I highly recommend Mr. Holmes. I am grateful for his guidance and would direct anyone seeking a strong financial future to him.
Rebecca Broadfoot
Jamey Holmes is a man of great integrity and a professional with a high degree of competence. I have known Mr. Holmes for over 25 years in business, he is analytical and technical in his assessments
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yet he is genuinely concerned about what’s best for his clients. His knowledge of how to eliminate risks is impressive. His dedication to helping clients achieve financial security is evident in everything he does, from his personalized approach to his wealth of knowledge in the field, Plus, his ability to provide his clients with customized and personalized solutions makes him a much sought after professional. I have great admiration for Jamey as a friend and as a colleague.
Anthony Magno
Jamey is absolutely a great individual both in business and as a person. I first started a relationship with Jamey more on the business side a few years ago but nevertheless he has turned
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into an amazing great friend.. Jamey is truly an expert and takes so much pride in his work.. I’ve learned Jamey is willing to outwork most people, has extreme attention to detail and has the mind and heart to always get better and grow.. these qualities are hard to find in an individual and that is the first thing that stands out about Jamey. Working with Jamey has been a breath of fresh air and he continues to make it a point to standout in both professional and personal life. I’m happy to call Jamey not only a business professional but also a true Friend. Those who are lucky enough to work with Jamey keep him close because he is a rare one.
ROBERT & YESENIA GAMBLE
My name is Amy Post and I’ve been lucky enough to know Jamey as a client of his for just about the last 2 years. Over these last 2 years I have grown to truly respect Jamey for his work ethic, level of
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customer service he always provides, and quite frankly just how he always stays patient with me no matter how many questions/concerns I may present him with. I can honestly say I would, and have, confidently recommend him to any one of my family or friends in need of his services without a single hesitation. Jamey is, without a doubt, one of the greats in his field. I am beyond grateful for that day 2 years ago when I called him and he proved his work ethic even during that first phone call when he answered on a Sunday morning and not once made me feel rushed or that I was bothering him on a Sunday. Thank you Jamey for being you and for always taking pride in what you do.
Amy & James Post
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.
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.
