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Financial Literacy Gateway to Freedom: Volume 4 Leiby's ROC Retirement Strategy: Redirect Distributions for Tax-Advantaged Income
Paperback
Series: Financial Literacy Gateway to Freedom, Book 4
Publisher: Independently Published
Published: May 14 2026
Pages: 106
Weight: 0.34
Height: 0.22 Width: 6.00 Depth: 9.00
Language: English
What if the income your investments pay you didn't count as taxable income?
That's not a trick question - and it's not a loophole. It's called Return of Capital, or ROC, and most retirees have never heard of it.
In this installment of the Financial Literacy Gateway to Freedom series, retired teacher and financial literacy author Bob Leiby breaks down a straightforward strategy he calls the Distribution Redirect ROC Retirement Strategy - a plain-English approach to building retirement income that works harder and costs you less at tax time.
You'll learn:
- What Return of Capital (ROC) is and why it matters more in retirement than most people realize
- Which ETFs are designed to pay high-yield, ROC-heavy distributions - and how to choose the right ones for taxable accounts versus IRAs and Roth accounts
- How to redirect your distributions so your money keeps working for you instead of sitting idle
- Why this strategy can be especially powerful for retirees who are already drawing income from their portfolios
Written the same way Bob taught construction students for 45 years - no jargon, no fluff, just clear and practical information you can actually use.
Whether you're five years from retirement or already in it, this book gives you a strategy worth understanding.
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