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Taxes in Retirement

Bob Carlson of Retirement Watch on how to manage your taxes and planning strategies to pay less

Found 435 Articles.
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When You Can Treat Portfolio Management as a Tax-Deductible Business

September 4, 2022

After leaving the career behind, your work isn’t done. You’re now in the business of ensuring there’s steady cash flow to pay your expenses. Or, as I put it, you need to generate your Retirement Paycheck. That leads to a question many people ask: Can I report managing my retirement portfolio as a business on […]


How to Minimize the Most Important Number on Your Tax Return [Part 2]

July 24, 2022

In last week’s edition of Retirement Watch Weekly, I shared my first three strategies for how minimize your adjusted gross income (AGI). Today let’s go through six more such strategies… Minimize Your Tax Return’s Most Important Number in Retirement: Strategy #4: Be charitable with your IRA. When you’re making charitable contributions each year and are […]


How to Minimize Your Tax Return’s Most Important Number in Retirement

July 17, 2022

It’s the most important number on your federal income tax return. You can find it on line 11 of the first page of Form 1040 for 2021. The number I’m referring to is your adjusted gross income (AGI). In your retirement years, AGI is more important than for most other taxpayers. Before retiring, taxable income […]


The ‘Widow’s Penalty Tax’ and How to Avoid It [Part 2]

July 4, 2022

It’s one of the “Stealth Taxes” no one talks about, and it comes at an emotionally vulnerable time. I’m referring to the “widow’s penalty tax.” Last week we discussed the first three potential hits to the surviving spouse: Income is likely to decline. Second, the surviving spouse is pushed into a higher tax bracket. A […]

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The ‘Widow’s Penalty Tax’ and How to Avoid It

June 26, 2022

The widow’s penalty tax is one of the least known yet most onerous of the retirement Stealth Taxes. Since few people are aware of it, few retirement plans defend against the widow’s penalty. I frequently warn people about the “solo” years. Those are the years after one spouse has passed away. The surviving spouse must […]


More Ways To Increase Your After-Tax Investment Returns

May 30, 2022

Last week’s Retirement Watch Weekly covered ways to increase your after-tax investment returns. Let’s pick up where we left off. When your investment strategy says it’s time to sell an investment, don’t hold it for months hoping it will mature to a long-term capital gain. It might make sense to wait if it will mature […]

estate planning

How To Increase Your After-Tax Investment Returns in Retirement

May 22, 2022

The old adage is, “You can’t spend pre-tax returns.” After-tax returns are what count. Well, the tax rules on investments are in effect all year, but few people take advantage of that. Too many people don’t start thinking about investment taxes until near the end of the year, or even after the year is over. […]


The Net Unrealized Appreciation (NUA) Tax Strategy

May 1, 2022

Employees who own company stock or other securities in their retirement plans should review their options before taking any distributions or doing rollovers. There’s a substantial tax break available to many of these workers. The tax break is known as net unrealized appreciation, or NUA. It’s very valuable when you know the tricks and follow […]

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