“I’m going to be in a lower tax bracket when I retire.” It’s one of the most common statements we hear from folks in their early 60s. But as required minimum distributions (RMDs) kick in around age 73 or 75, many retirees discover that their deferred tax bill has simply ballooned into a future tax …
Five years out from retirement sounds like a long time. When you are driving to work every day or grinding through a job you are ready to leave behind, 60 months can feel like an eternity. Because it feels so far away, Year 5 is the single window on the retirement runway that almost nobody …
For the last 30 years, you’ve followed a specific set of rules: Save, invest, ignore the markets, and don’t let the headlines spook you. And for those 30 years, that playbook worked. But the day you decide to retire, the financial game completely reverses. It shifts from accumulation to distribution—turning the pile you’ve built into …