Tax Planning To and Through Early Retirement

Thinking about early retirement? Learn saving and drawdown strategies to guide you to and through early retirement with confidence.

Cody Garrett, CFP(R), and Sean Mullaney, CPA, cut through the jargon to share strategies and tactics to reduce total lifetime taxes and accelerate the path to early retirement.

Too often, we hear: "Taxes will crush your retirement!" Tax Planning To and Through Early Retirement tackles those concerns head-on. The book explains how to build retirement savings and lower taxes during the working years, then explores drawdown approaches designed to help minimize taxes throughout retirement.

You'll learn how to:

- Navigate IRAs, 401(k)s, and other key retirement accounts

- Apply the "Compelling Three" tactics to build retirement savings during your working years

- Implement drawdown tactics for all phases of retirement, including Roth conversions and qualified charitable distributions

- Avoid or minimize the 10% early withdrawal penalty before age 591/2

- Adjust for the new 2025 tax laws for retirees from the One Big Beautiful Bill

- Plan for uncertainty around future tax law changes

- Handle RMDs and the dreaded Widow's Tax Trap

Inside, you'll find:

- 100+ realistic examples with detailed walkthroughs of both accumulation and drawdown tactics

- Clear explanations of early retirement distribution rules and advanced tax strategies

- Cody's Takes and Sean's Takes - two perspectives to sharpen your own judgment

Whether you're a do-it-yourself investor or a financial professional, this book equips you with the clarity and confidence to make informed tax planning decisions-without fear.