I presented Tax Planning for the Five Phases of Retirement at the October 2025 Bogleheads Conference in San Antonio, Texas.
Highlights of the presentation include, but are not limited to, the following:
Tailored Taxable Roth Conversions (TTRCs) 7:48
The Hidden Roth IRA 13:20
Might Half Your Income Be Tax Free in Retirement? 19:43
7 Ways to Mitigate RMDs 25:09
The Widow’s Tax Trap 28:43
The Real Job of a Retirement Account 33:20
Airplane! and Tax Planning 42:38
HSA PUQME Planning 47:57
I hope you enjoy it!
If you like this sort of analysis, there’s a whole bunch more in the book Tax Planning To and Through Early Retirement, which Cody Garrett, CFP(R) and I wrote in 2025.
Please let me know what you think about the presentation in the comments.
FI Tax Guy can be your financial planner! Find out more by visiting mullaneyfinancial.com
Follow me on LinkedIn: @SeanWMullaney
This post and the presentation (including Q&A) in the YouTube video are for entertainment and educational purposes only. They do not constitute accounting, financial, investment, legal, or tax advice. Please consult with your advisor(s) regarding your personal accounting, financial, investment, legal, and tax matters. Please also refer to the Disclaimer & Warning section found here.
Top notch presentation! I am also about halfway done with the book, which is now half full of sticky notes and dog-eared pages. 🙂
At 47 I am finding myself in a career transition, but with the planning/saving my wife and I have done over the past 2 decades, and the expertise we have picked up from this blog and many other experts over the past several years, I feel so much more confident in our future.
Thanks!