Retirement
8 articles on this topic.
The 0% Long-Term Capital Gains Bracket: Who Gets It and How to Use It
Long-term capital gains can be taxed at zero percent at the federal level. The income threshold is wider than most people realize, and the planning value is significant for early retirees and lower-income years.
The Roth Conversion Decade: Why the Years Between Retirement and RMDs Matter Most
The years between retirement and required minimum distributions are often the highest-leverage tax-planning window of a lifetime. Here's how to think about Roth conversions during it.
Sequence-of-Returns Risk: The Hidden Killer of Retirement Plans
The same average return can produce wildly different retirement outcomes depending on the order of the years. Why the first decade after retirement matters disproportionately — and what to do about it.
QCDs: The Tax Move Every Charitable Retiree Over 70½ Should Know
Qualified charitable distributions let you give from your IRA tax-free, satisfy your RMD, and preserve other deductions. For charitable retirees, it's almost always the most efficient way to give.
When a Pilot Should Consider a Roth Conversion
Airline pilots often have an unusually clean Roth conversion window — if they know when it opens and when it closes. The planning rules that matter most for Age 65 retirees.
Social Security for Two-Earner Households: The Coordination That Saves Six Figures
When both spouses worked, Social Security claiming becomes a coordination problem. The right strategy depends on the income gap, age gap, and health expectations — and the wrong default can cost a household hundreds of thousands.
The SWA 401(k) Decision: Pre-Tax, Roth, or After-Tax?
Southwest Airlines pilots and employees with access to all three contribution buckets face a real planning question every year. The right mix depends on age, income, marginal bracket, and what comes next.
A Southwest Airlines Pilot's Retirement Planning Essentials
The retirement-planning items every SWAPA-represented Southwest Airlines pilot should be thinking about — from Age 65 to the 401(k) to state-of-residence planning.
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