Tax Strategy

Roth conversions, required minimum distributions, and other tax decisions in retirement, explained plainly. Results depend on your own tax situation.

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Tax Strategy

Roth conversions in your 60s: a quiet way to keep more

The lower-income years between retiring and required withdrawals, which generally begin at age 73 for people born from 1951 through 1959 or age 75 for people born in 1960 or later, can be an important tax-planning window.

May 5, 2026 · 5 min read

Tax Strategy

A better way to think about taxes in retirement

Tax planning in retirement is not about avoiding taxes entirely. It is about being thoughtful, so taxes do not quietly erode what you spent a lifetime building.

April 17, 2026 · 4 min read

Tax Strategy

The mistake retirees make with tax planning

Many retirees aim to minimize taxes every single year. The better goal is managing taxes across your whole retirement, even if that means paying a little more now.

April 16, 2026 · 4 min read

Tax Strategy

The Roth conversion window most retirees miss

The years between retiring and your first required withdrawal are often your lowest-income years. That gap is a tax-planning window most people let pass.

April 15, 2026 · 5 min read

Tax Strategy

The retirement tax window you only get once

The years between retiring and the start of required withdrawals can be a rare low income window. Once it closes, you do not get it back.

April 13, 2026 · 5 min read

Tax Strategy

The retirement withdrawal mistake that can cost thousands

The order in which you tap your accounts can quietly cost you thousands in taxes. Getting the sequence right is one of the most overlooked moves in retirement.

March 9, 2026 · 5 min read

Tax Strategy

The retirement mistake hiding in where you hold your investments

Most attention goes to how your money is invested. Where each investment is held can quietly shape your after-tax results just as much.

February 20, 2026 · 5 min read

Tax Strategy

Why playing it too safe in retirement is so expensive

Following conservative rules of thumb can quietly cost you money and years of enjoyment. Here is how overcaution becomes the real risk in retirement.

January 20, 2026 · 4 min read

Tax Strategy

Why the 4% rule can create unnecessary taxes

The 4% rule keeps your spending steady, but it says nothing about taxes. That blind spot can quietly cost you money across a long retirement.

January 16, 2026 · 5 min read

Tax Strategy

Rethinking retirement spending beyond the 4% rule

A rigid withdrawal rate can leave money on the table or put you at risk. A guardrail approach adjusts as markets move.

July 21, 2025 · 5 min read

Tax Strategy

Three common pitfalls in retirement spending and how to avoid them

Most spending problems in retirement come down to three repeatable mistakes. Here is how to spot them early and build a plan you can actually trust.

July 18, 2025 · 5 min read

Tax Strategy

Your retirement purpose: planning around the life you want

Financial security is only half of retirement. The other half is purpose, and a good plan is built around the life you actually want to live.

June 25, 2025 · 4 min read

Tax Strategy

Tax loss harvesting: the silver lining in market volatility

Market downturns are stressful, but they can create a real tax opportunity. Here is how tax loss harvesting works and why it can help your plan.

April 17, 2025 · 4 min read

Tax Strategy

Don't fly blind: why retirement needs a written plan

A pilot would never take off without a flight plan. Approaching retirement without one carries a similar risk, and here is why it matters.

January 24, 2025 · 4 min read

Tax Strategy

Why a brokerage account is a smart tool for early retirement

If you want to retire before traditional retirement age, a taxable brokerage account can give you the flexibility your 401(k) and IRA cannot. Here is the role it plays.

November 6, 2024 · 5 min read

Tax Strategy

Why retirees with a plan feel more confident

Surveys show retirees who have a written retirement plan feel more confident. Here is what a real plan does to create that peace of mind.

August 29, 2024 · 4 min read

Tax Strategy

Roth conversions: why planning comes first

Roth conversions can lower lifetime taxes and raise your income, but without careful planning they can backfire. Here is why an annual plan matters.

August 7, 2024 · 4 min read

Tax Strategy

What tax-efficient retirement planning looks like

Your Path Fi helps you maximize retirement income, minimize taxes, and live well in retirement. Here is what tax-efficient planning actually means.

· 4 min read

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