David Spence, CPA/PFS, CFP, CLU, is the founder of Palladium Wealth Management and the driving force behind Tax Free Tutors. With more than 4 decades of experience as a CPA and financial advisor, Dave specializes in advanced tax planning strategies with a particular focus on Life Insurance Retirement Plans (LIRPs) to help clients achieve tax-free retirement income. He is passionate about educating everyday taxpayers and financial professionals on reducing tax burdens, shielding retirement savings from future tax increases, and fostering financial peace of mind in an ever-changing economic environment. Dave is known for his educational courses and webinars, and his unique approach emphasizes proactive planning for higher future tax rates.