Tax Planning To and Through Early Retirement
Tax Planning To and Through Early Retirement
Tax Planning To and Through Early Retirement
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Description
Description
Thinking about early retirement? Learn saving and drawdown strategies to guide you to and through early retirement with confidence.
Cody Garrett, CFP(R), and Sean Mullaney, CPA, cut through the jargon to share strategies and tactics to reduce total lifetime taxes and accelerate the path to early retirement.
Too often, we hear: "Taxes will crush your retirement!" Tax Planning To and Through Early Retirement tackles those concerns head-on. The book explains how to build retirement savings and lower taxes during the working years, then explores drawdown approaches designed to help minimize taxes throughout retirement.
You'll learn how to:
- Navigate IRAs, 401(k)s, and other key retirement accounts
- Apply the "Compelling Three" tactics to build retirement savings during your working years
- Implement drawdown tactics for all phases of retirement, including Roth conversions and qualified charitable distributions
- Avoid or minimize the 10% early withdrawal penalty before age 591/2
- Adjust for the new 2025 tax laws for retirees from the One Big Beautiful Bill
- Plan for uncertainty around future tax law changes
- Handle RMDs and the dreaded Widow's Tax Trap
Inside, you'll find:
- 100+ realistic examples with detailed walkthroughs of both accumulation and drawdown tactics
- Clear explanations of early retirement distribution rules and advanced tax strategies
- Cody's Takes and Sean's Takes - two perspectives to sharpen your own judgment
Whether you're a do-it-yourself investor or a financial professional, this book equips you with the clarity and confidence to make informed tax planning decisions-without fear.
Critical Reviews
Critical Reviews
"An invaluable resource on all the important tax questions leading up to and through retirement. You'll want to keep this book close and refer to it often." -Rick Ferri, CFA, Founder and CEO of Ferri Investment Solutions, Host of the Bogleheads on Investing Podcast
"An excellent start-to-finish guide to tax planning in retirement. For multiple topics, this book provides the single best discussion I've seen, anywhere. It's packed with actionable information." -Mike Piper, CPA, Author of The Oblivious Investor Blog
"This is a must-read and now one of my "top ten" recommended resources for FI-minded financial literacy. Bravo!" -Bill Yount, MD, Co-host of the Catching Up to FI Podcast
"A masterclass in reducing your lifetime tax burden-without fearmongering or fluff. An essential guide for thoughtful planners and DIYers alike." -Frank Vasquez, Host of Risk Parity Radio
"This book is a must-read for anyone taking time off for a mini-retirement. These strategies can turn your mini-retirement into a powerful tax planning opportunity." -Jillian Johnsrud, Author of Retire Often and Fire the Haters
"If you are serious about tax planning to and through early retirement, this book is a must-read!" -Chris Mamula, CFP(R), Financial Planner and Author of the Can I Retire Yet Blog
"Sean and Cody have created a clear, approachable guide to tax planning for early retirement. They avoid jargon, explaining complex rules in plain language, with short, focused chapters that make it easy to find exactly what you need. This is a book I'll be keeping on my shelf." -Jon Luskin, CFP(R), Financial Planner
"Whether you're retiring tomorrow or plotting decades ahead, this book provides actionable strategies to help you retire smarter, spend more, and feel confident along the way." -Jesse Cramer, Financial Advisor and Author of The Best Interest Blog
Publishing Information
Publishing Information
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