Episode 52 of Retirement Tax Matters launches a two-part autumn series focused on year-end tax planning for high-net-worth pre-retirees in the $2M to $8M space. Garrett Crawford, CFP® professional, and Adam Reed discuss why running a fall income tax projection is the most essential step working pre-retirees fail to complete each year. They break down how auditing a mid-year W-2 paystub helps verify federal tax withholding, catch bonus timing shifts, and prevent IRS estimated tax underpayment penalties before the December 31st deadline.

We have developed a 5-step framework for what tax planning looks like for High-Net-Worth Retirees between $2M-$8M. It walks you through each season of the calendar year and how we implement tax-return driven financial planning for clients. Request a free resource using this link: https://www.retirementtaxmatters.com/checklist

00:00 Introduction to Year-End Tax Planning & Pre-Retiree Strategy
02:18 The Pre-Retiree Challenge: High Income & Large Portfolios ($2M-$8M)
03:32 The #1 Tax Mistake: Waiting Until April to Calculate Final Income
04:58 Safe Harbor Traps with Q3 & Q4 Quarterly Estimated Taxes
06:15 Why Your Pay Stub May Be Another Overlooked Tax Planning Document
09:44 Managing Brokerage Accounts, Dividend Reinvestments & Phantom Income
12:44 Bracket Creep vs. Scaling Back: Strategic Roth Conversions While Working
13:54 Implementing a "Season of Pause" in November & December
16:58 Action Steps: DIY Tax Planning vs. Delegating to a CFP®

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