3 Tax Strategies That Could Save You $50,000 in Retirement скачать в хорошем качестве

3 Tax Strategies That Could Save You $50,000 in Retirement

Retirement tax strategies most people ignore — Roth conversions, withdrawal sequencing, and HSA optimization explained for pre-retirees. If you have $500,000 or more saved for retirement, there's a good chance your tax strategy — or lack of one — is quietly costing you more than you realize. Most pre-retirees focus almost entirely on saving more. But how you withdraw, convert, and position your money in the 5-15 years before retirement can have just as big an impact as the balance itself. In this video, I walk through three specific tax strategies I use with pre-retirement clients — and explain why the window to implement them tends to close faster than most people expect. Here's what I cover: → Roth conversion ladders: when they make sense and when they don't → Strategic withdrawal sequencing: which accounts to tap first (and why order matters more than most people realize) → HSA optimization: why this is one of the most underused retirement accounts available → Why having a CPA isn't the same as having a retirement tax strategy → Who benefits most from proactive tax planning before retirement The $50,000 figure isn't hypothetical — it reflects the realistic range of tax savings available to a household earning $150k-$300k with $500k+ in retirement accounts who implements these strategies in the right window. This is educational content — not personalized financial or tax advice. For guidance specific to your situation, consult a qualified financial or tax professional. ⏱️ CHAPTERS: 0:00 — The $50k Tax Opportunity Most Pre-Retirees Miss 0:52 — Why This Matters Even If You Have a CPA 2:12 — Three Strategies Overview 2:32 — Strategy 1: Roth Conversion Ladder 4:14 — Strategy 2: Strategic Withdrawal Sequencing 5:53 — Strategy 3: HSA as a Stealth Retirement Account 7:56 — Why Advisor + CPA Coordination Matters 8:20 — Who Actually Benefits Most From Tax Planning 9:38 — What to Watch Next 📋 FREE RESOURCES: → Pre-Retirement Readiness Checklist: https://radiantvest.com/checklist → Retirement Calculator: https://radiantvest.com/calculator 📅 BOOK A FREE CONSULTATION: → https://calendly.com/radiantvest Virtual meetings available nationwide | In-person in Tampa Bay, FL 🔔 SUBSCRIBE: New retirement planning videos every week — no jargon, no sales pressure, just straight talk:    / @jerrytalksfinance   📱 CONNECT WITH ME: → LinkedIn:   / jerrybulaclac   → Website: https://www.radiantvest.com/ ───────────────────────────────────────────── ⚠️ DISCLAIMER: This video is for educational purposes only and does not constitute personalized financial or tax advice. Consult a qualified financial or tax professional for advice specific to your situation. ───────────────────────────────────────────── #RetirementTaxStrategies #RothConversion #HSARetirement #WithdrawalSequencing #TaxPlanningRetirement #PreRetirement #RetirementPlanning #FinancialPlanning #JerryTalksFinance #401k