A short self-check based on the book: How to Minimize Taxes in Retirement - and the Case Against It
Quick Self-Check
You don't need to submit answers, just notice whether any feel familiar.
Most of our retirement savings are in pre-tax accounts (IRAs or 401(k)s).
We expect income to change meaningfully in the next 5-10 years (Retirement, Social Security, RMDs, Medicare, Sale of Assets).
We've never looked at how Medicare premiums (IRMAA) or capital-gain thresholds interact with withdrawals.
We've considering Roth conversions because of the notion that "Roth is better," not because we've modeled the tradeoffs.
If you found yourself nodding along to any of these, a short conversation may be worthwhile.
Chris Wilkin, CFP® — Author
Educational content only. Not tax or legal advice. Investment advisory services offered through Osaic Wealth, Inc.