Frank Finly — Retirement Planning & Tax Strategies Thu, 16 Jul 2026 08:00:00 -0400 https://frankfinly.com en-us © 2026 Frank Finly — Retirement Planning & Tax Strategies yes 42c2dcfa-77ec-5c83-b88d-1682c39509b9 Frank Finly episodic false Frank Finly breaks down retirement planning, tax strategies, and the numbers that actually matter — in plain English. From Roth conversions and Social Security timing to withdrawal strategies and tax-efficient income planning, each episode turns complex financial decisions into clear, actionable guidance.

Free retirement calculators and guides at https://frankfinly.com

]]> Buzzsprout (https://www.buzzsprout.com) retirement planning, roth ira, tax strategies, social security, 401k, retirement income, tax planning, roth conversion, retirement calculator, financial planning, retirement taxes, medicare Frank Finly https://storage.buzzsprout.com/ocjfwrfy2c2ofhxevs5rcknumbso?.jpg Frank Finly — Retirement Planning & Tax Strategies https://frankfinly.com Social Security at 62 vs 67: The $100,000 Decision Social Security at 62 vs 67: The $100,000 Decision Claiming Social Security at 62 vs 67 can mean a $100,000+ difference. Here is how to figure out the right age for you.

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Sources mentioned:
- SSA — Delayed Retirement Credits and Early Retirement Reductions
- SSA — Benefit Formula (AIME / PIA)
- SSA — Period Life Table (longevity)

]]> Claiming Social Security at 62 vs 67 can mean a $100,000+ difference. Here is how to figure out the right age for you.

Read the full article

Free retirement planning tools

Sources mentioned:
- SSA — Delayed Retirement Credits and Early Retirement Reductions
- SSA — Benefit Formula (AIME / PIA)
- SSA — Period Life Table (longevity)

]]> https://frankfinly.com/retirement/social-security-62-vs-67?utm_source=podcast&utm_medium=show_notes&utm_campaign=social-security-62-vs-67 Frank Finly Buzzsprout-19502353 Thu, 16 Jul 2026 08:00:00 -0400 884 social-security, retirement-planning, strategies, retirement, finance, 2026 6 full false How to Minimize Taxes in Retirement: 7 Strategies That Work How to Minimize Taxes in Retirement: 7 Strategies That Work Most retirees overpay on taxes. Here are seven proven strategies to minimize your retirement tax bill legally.

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Sources mentioned:
- IRS — Federal Income Tax Rates and Brackets
- IRS Topic 409 — Capital Gains and Losses
- IRS — Retirement Topics: Required Minimum Distributions (RMDs)
- IRS Publication 915 — Social Security and Equivalent Railroad Retirement Benefits (taxation rules)
- Medicare.gov — Medicare Costs (IRMAA Income-Related Monthly Adjustment)

]]> Most retirees overpay on taxes. Here are seven proven strategies to minimize your retirement tax bill legally.

Read the full article

Free retirement planning tools

Sources mentioned:
- IRS — Federal Income Tax Rates and Brackets
- IRS Topic 409 — Capital Gains and Losses
- IRS — Retirement Topics: Required Minimum Distributions (RMDs)
- IRS Publication 915 — Social Security and Equivalent Railroad Retirement Benefits (taxation rules)
- Medicare.gov — Medicare Costs (IRMAA Income-Related Monthly Adjustment)

]]> https://frankfinly.com/taxes/minimize-taxes-retirement?utm_source=podcast&utm_medium=show_notes&utm_campaign=minimize-taxes-retirement Frank Finly Buzzsprout-19468591 Thu, 09 Jul 2026 08:00:00 -0400 1012 tax-planning, strategies, roth-conversion, retirement, finance, 2026 5 full false Roth Conversion Strategies: Pay Taxes Now, Save More Later Roth Conversion Strategies: Pay Taxes Now, Save More Later A decade of low-bracket conversions can save six figures in lifetime taxes. Learn the advanced strategies — bracket filling, multi-year planning, and timing around life events — that separate tax-savvy retirees from everyone else.

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Sources mentioned:
- IRS Publication 590-B — Distributions from IRAs (Roth conversion, RMD)
- IRS — Federal Income Tax Rates and Brackets

]]> A decade of low-bracket conversions can save six figures in lifetime taxes. Learn the advanced strategies — bracket filling, multi-year planning, and timing around life events — that separate tax-savvy retirees from everyone else.

Read the full article

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Sources mentioned:
- IRS Publication 590-B — Distributions from IRAs (Roth conversion, RMD)
- IRS — Federal Income Tax Rates and Brackets

]]> https://frankfinly.com/taxes/roth-conversion-strategies?utm_source=podcast&utm_medium=show_notes&utm_campaign=roth-conversion-strategies Frank Finly Buzzsprout-19435453 Thu, 02 Jul 2026 08:00:00 -0400 1249 roth-conversion, strategies, tax-planning, retirement, finance, 2026 4 full false The 4% Rule in 2026: Does It Still Work for Your Retirement? The 4% Rule in 2026: Does It Still Work for Your Retirement? The 4% rule has guided retirees for 30 years. But with longer retirements and market uncertainty, does it still hold up?

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Sources mentioned:
- Bengen (1994) — Determining Withdrawal Rates Using Historical Data, Journal of Financial Planning
- Cooley, Hubbard & Walz — Trinity Study: Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable (AAII Journal)
- Pfau — An International Perspective on Safe Withdrawal Rates
- Guyton & Klinger — Decision Rules and Maximum Initial Withdrawal Rates (Journal of Financial Planning)
- BLS — Consumer Price Index (inflation data)

]]> The 4% rule has guided retirees for 30 years. But with longer retirements and market uncertainty, does it still hold up?

Read the full article

Free retirement planning tools

Sources mentioned:
- Bengen (1994) — Determining Withdrawal Rates Using Historical Data, Journal of Financial Planning
- Cooley, Hubbard & Walz — Trinity Study: Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable (AAII Journal)
- Pfau — An International Perspective on Safe Withdrawal Rates
- Guyton & Klinger — Decision Rules and Maximum Initial Withdrawal Rates (Journal of Financial Planning)
- BLS — Consumer Price Index (inflation data)

]]> https://frankfinly.com/retirement/4-percent-rule?utm_source=podcast&utm_medium=show_notes&utm_campaign=4-percent-rule Frank Finly Buzzsprout-19400984 Thu, 25 Jun 2026 08:00:00 -0400 775 retirement-planning, strategies, retirement, finance, 2026 3 full false Backdoor Roth IRA: The Step-by-Step Guide for High Earners Backdoor Roth IRA: The Step-by-Step Guide for High Earners The backdoor Roth IRA lets high earners bypass income limits. Here are the exact steps, the pro-rata trap, and how to avoid mistakes.


Topics covered: backdoor roth ira, backdoor roth.

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Sources mentioned:
- IRS — Roth IRAs
- IRS Publication 590-A — Contributions to IRAs
- IRS Form 8606 — Nondeductible IRAs
- IRS — Rollovers of Retirement Plan and IRA Distributions

]]> The backdoor Roth IRA lets high earners bypass income limits. Here are the exact steps, the pro-rata trap, and how to avoid mistakes.


Topics covered: backdoor roth ira, backdoor roth.

Read the full article

Free retirement planning tools

Sources mentioned:
- IRS — Roth IRAs
- IRS Publication 590-A — Contributions to IRAs
- IRS Form 8606 — Nondeductible IRAs
- IRS — Rollovers of Retirement Plan and IRA Distributions

]]> https://frankfinly.com/taxes/backdoor-roth-ira-guide?utm_source=podcast&utm_medium=show_notes&utm_campaign=backdoor-roth-ira-guide Frank Finly Buzzsprout-19360363 Wed, 17 Jun 2026 08:00:00 -0400 748 roth-conversion, ira, tax-planning, backdoor roth ira, backdoor roth, retirement, finance, 2026 2 full false What Is a Roth IRA? Roth vs Traditional — The 2026 Tax Decision What Is a Roth IRA? Roth vs Traditional — The 2026 Tax Decision Pay taxes now or pay taxes later? The answer isn't as obvious as it seems — and getting it right can mean tens of thousands more in retirement income.

Topics covered: what is a roth ira, roth ira vs traditional ira.

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Sources mentioned:
- IRS — Traditional and Roth IRAs
- IRS — Publication 590-A
- IRS — Publication 590-B
- IRS — Required Minimum Distributions
- IRS — Tax Rates and Brackets

]]> Pay taxes now or pay taxes later? The answer isn't as obvious as it seems — and getting it right can mean tens of thousands more in retirement income.

Topics covered: what is a roth ira, roth ira vs traditional ira.

Read the full article

Free retirement planning tools

Sources mentioned:
- IRS — Traditional and Roth IRAs
- IRS — Publication 590-A
- IRS — Publication 590-B
- IRS — Required Minimum Distributions
- IRS — Tax Rates and Brackets

]]> https://frankfinly.com/retirement/traditional-vs-roth-ira?utm_source=podcast&utm_medium=show_notes&utm_campaign=traditional-vs-roth-ira Frank Finly Buzzsprout-19299516 Fri, 05 Jun 2026 07:00:00 -0400 857 ira, roth-conversion, tax-planning, what is a roth ira, roth ira vs traditional ira, retirement, finance, 2026 1 full false