Not all retirement income is taxed equally. These five strategies can help you build a stream of tax-free income in retirement.

Topics covered:
tax free retirement account, tax free retirement income, tax free retirement strategies.

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https://frankfinly.com/taxes/tax-free-retirement-income?utm_source=podcast&utm_medium=show_notes&utm_campaign=tax-free-retirement-income

Free retirement planning tools:
https://frankfinly.com?utm_source=podcast&utm_medium=show_notes&utm_campaign=tax-free-retirement-income

Sources mentioned:
- IRS — Roth IRAs — https://www.irs.gov/retirement-plans/roth-iras

- IRS Publication 969 — Health Savings Accounts — https://www.irs.gov/publications/p969

- IRS — Tax-Exempt Interest (Municipal Bonds) — https://www.irs.gov/taxtopics/tc403

- IRS — Life Insurance Policy Loans (Modified Endowment Contracts) — https://www.irs.gov/publications/p525

Retirement isn't about reaching an age — it's about reaching a number. Here's how to figure out if your money can support your life for potentially 30+ years without a paycheck.


Topics covered:
when can i retire, how to know when to retire, am i ready to retire.

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https://frankfinly.com/retirement/when-can-i-retire?utm_source=podcast&utm_medium=show_notes&utm_campaign=when-can-i-retire

Free retirement planning tools:
https://frankfinly.com?utm_source=podcast&utm_medium=show_notes&utm_campaign=when-can-i-retire

Sources mentioned:
- Bengen (1994) — Determining Withdrawal Rates Using Historical Data (the 4% rule) — https://www.financialplanningassociation.org/article/journal/MAR04-determining-withdrawal-rates-using-historical-data

- SSA — Benefit Formula (AIME / PIA) — https://www.ssa.gov/oact/cola/Benefits.html

- SSA — Delayed Retirement Credits and Early Retirement Reductions — https://www.ssa.gov/benefits/retirement/planner/delayret.html

- IRS — Retirement Topics: Exceptions to Tax on Early Distributions (72(t) SEPP) — https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributions

The RMD rules have changed twice in recent years, catching many retirees off guard. Here's exactly what you need to know about when distributions must begin, how they're calculated, and what happens if you miss the deadline.


Topics covered: rmd rules, required minimum distribution, rmd deadlines, rmd 2026.

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Free retirement planning tools

Sources mentioned:
- IRS Publication 590-B — Distributions from IRAs (RMD rules, penalties)