Tax Planning To and Through Early Retirement - Softcover

Garrett, Cody; Mullaney, Sean

Softcover

ISBN 13: 9798999841599

Publisher: Cody Garrett & Sean Mullaney, 2025

Synopsis

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

Cody Garrett, CFP®, 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.

About this title

About the Authors

Cody Garrett is an advice-only financial planner, educator, and founder of Measure Twice(R) Money, where he helps DIY investors make informed financial decisions aligned with their values. He also leads Measure Twice(R) Planners, an educational community for financial planners. Cody's insights have been featured by The Wall Street Journal, Barron's, Forbes, and CNBC. He's a frequent guest on personal finance podcasts, including ChooseFI, The Long View (Morningstar), and Bogleheads on Investing.

Sean Mullaney is a financial planner with a solo financial planning practice. He frequently works with those near or at an early retirement. Prior to starting his financial planning practice, he had a long career working for Big 4 accounting firms and the IRS. He holds a law degree and a master's in taxation (LLM) and is a licensed CPA in California and Virginia. Sean's personal finance insights have been featured in The Wall Street Journal and The New York Times. He is a frequent guest on personal finance podcasts, and he blogs about tax and financial independence at fitaxguy.com.

Edition details

• Publisher: Cody Garrett & Sean Mullaney
• Publication date: 2025
• Language: English
• ISBN 13: 9798999841599
• Binding: Paperback
• Number of pages: 356