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And as always, a MASSIVE thank you to this week's sponsors:
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Facet → facet.com/tyler for an exclusive $550 kickstart offer! Schedule your intro call today!
Fabric → meetfabric.com/tyler because if someone depends on your income, term life insurance is the next item on your financial agenda!
Thrive Market → thrivemarket.com/tyler for $20 off your first three orders plus you’ll get a FREE $60 gift!
And On To the Show Notes!
A traditional IRA can look like your money.
But part of it belongs to the IRS.
In Part 3 of the Art of Decumulation series, Tyler tackles three of the most important—and expensive—pieces of retirement tax planning:
Roth conversions, RMDs, and IRMAA.
Because the goal isn’t to avoid taxes entirely.
It’s to control when you pay them and at what rate.
In this episode, Tyler covers:
Why the years between retirement and RMDs can be your biggest tax-planning opportunity
How Roth conversions work—and when they can save significant money
Why filling lower tax brackets deliberately can matter more than minimizing income
How required minimum distributions (RMDs) can push retirees into higher brackets later
Why IRMAA is a cliff, not a normal marginal tax bracket
The importance of planning for the widow’s penalty
Why retirement tax planning should become an annual practice, not a one-time decision
The core idea:
Your traditional IRA is a future tax bill. The question is whether you choose when to pay it—or let the IRS choose for you.
This is Part 3 of the Art of Decumulation series. Next week: market downturns, sequence-of-returns risk, and when to actually change the plan.
If the show’s been helpful, leaving a quick review on Apple or Spotify genuinely helps.
Hope this gives you something to think about this week.
