Tax Planning To and Through Early Retirement2025

Thinking about early retirement? Learn saving and drawdown strategies to guide you to and through early retirement with confidence. Cody Garrett, CFP®, 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.