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Blog Your guide to financial planning and retirement
Tax efficient retirement planning requires thinking ahead. You can strategize your income, investments, and spending to reduce your tax burden.
Make choices to save into the right savings vehicles. Opt for pre-tax savings (traditional, SEP & Simple IRAs, 401ks, 403bs, 457s, 529s, HSAs, etc…) where you don’t pay taxes on the money you invest until you withdraw the funds in the future or after-tax savings (Roth IRAs and 401ks) are when you save money that has already been taxed.
You also want to consider how you can manipulate both income and spending to optimize your tax bracket.
Paying taxes in retirement means managing income streams, quarterly deadlines, and the IRS safe harbor, without an employer doing it for you.
Think you qualify for the 0% capital gains tax rate? Your other income may have already eaten that space. Here’s why, plus the 2026 brackets.
A market drop lowers what you’ll owe on a Roth conversion. Learn how to turn a portfolio pullback into a long-term tax win.
Are you “lucky” enough to have to worry about #3? Did you remember #5? Explore all 10 tips on this tax season checklist.
Are you in a tax friendly state for retirees? Explore the best states for taxes and review the income and sales tax rates in all 50 states.
Learn how deductions affect Roth conversions and when income can be converted without triggering federal tax. Tips for smarter Roth planning.
Learn the pros and cons of different Roth conversion timing strategies and how to choose the right approach for your retirement plan.
These 13 year-end tax tips for retirement will help you minimize your 2025 taxes and reduce future tax bills.
Asset location is an important concept if you are trying to save and build wealth. Explore ways to locate funds to minimize taxes.
Boldin survey reveals most Americans worry a government shutdown and also the threat to ACA subsidies and retirement confidence.
Want to retire in your 50s and withdraw from savings? You need to understand the Roth 5 year rules to avoid penalties.
We’ve made the OBBBA tax updates in the Planner. Learn more about what’s changed and discover opportunities to optimize your tax planning.
Explore 7 key provisions in (or consequences of) the One Big Beautiful Bill Act (OBBBA) — and what they could mean for your retirement.
Retiring before 59.5? Discover how to make penalty free withdrawals from your retirement accounts to help fund your early retirement.
Catch up contributions are the IRS’s way of making it easier for savers age 50 and up to tuck away enough retirement savings.
Planning for the future should involve strategizing to minimize taxes. Explore 25 tips to help you plan, do retirement tax filings, and save money.
Roth conversions are a powerful tax planning strategy, but how do retirement savers actually use them? A recent survey of Boldin subscribers reveals that users are not only highly engaged in Roth conversion planning but also taking meaningful action based on Boldin’s tools and insights. The results show that 93% of respondents have used Boldin’s […]
Discover the opportunities and limits of modeling your Roth conversion opportunities and get 6 tips for doing better.
QCDs are a way to help great causes and those in need, but they are also a way to manage your tax exposure and avoid unpleasant surprises.
Due to the the TCJA expiration, your 2026 tax brackets and rates will rise. Find out why and how to prepare for the increase.
There are a lot of potential Roth IRA mistakes to be made: 1) Not doing it, 2) Not knowing the rules, 3) Timing, 4) Poor planning, 5) Overlooking spouse… and more!
Yes. You might pay taxes on Social Security. Learn what to expect (federal, state and work penalties) and explore ways to reduce the expense.
Gain valuable insights into common tax terms and some of the most popular strategies for reducing what you pay.
The Boldin Retirement Planner now shows an estimate for your 2023 year-end numbers. The 2023 values are available on all charts.
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