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Tag: taxes in reitrement

Delaying Social Security to 70 Cost This Couple $137,000. One Change Made It Worth $1.5 Million

I modeled delaying Social Security to 70 for one couple. It left $137,000 less at the end. Paired…
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The Inherited IRA 10-Year Rule: How to Draw Down a $1.2 Million IRA When You Are Still Earning $400,000

Inherited IRA 10-year rule, 2026: when annual RMDs apply, the 25% penalty, and four ways to draw down…
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Sequence of Returns Risk: What a Bad First Five Years Does to a $3 Million Retirement, and the Four Defenses That Work

Sequence of returns risk replayed on $3M with real 2000 to 2025 returns: same average, a $6.2M gap…
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When Should a Woman With $2 Million Claim Social Security? The Single, Divorced, and Widowed Answers for 2026

When should a woman claim Social Security? 2026 answers for single, widowed, and divorced women with $2M: why…
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Retiring in a High-Tax State: What New Jersey, New York, and California Actually Cost a Woman With $3 Million

New Jersey, New York, and California each tax a $3M retirement differently. The 2026 exclusions, the NJ $150,000…
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Tax Planning Vs. Tax Filing

Author: Hazel Secco, CFP®, CDFA® Estimated reading time: 1 minute Table of contents What is the difference between…

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