Tax Planning To and Through Early Retirement

Thinking about early retirement? Learn saving and drawdown strategies to guide you to and through early retirement with confidence.

Cody Garrett, CFP®, and Sean Mullaney, CPA, cut through the jargon to share strategies and tactics to reduce total lifetime taxes and accelerate the path to early retirement.

Too often, we hear: "Taxes will crush your retirement!" Tax Planning To and Through Early Retirement tackles those concerns head-on. The book explains how to build retirement savings and lower taxes during the working years, then explores drawdown approaches designed to help minimize taxes throughout retirement.

You'll learn how to:
- Navigate IRAs, 401(k)s, and other key retirement accounts
- Apply the "Compelling Three" tactics to build retirement savings during your working years
- Implement drawdown tactics for all phases of retirement, including Roth conversions and qualified charitable distributions
- Avoid or minimize the 10% early withdrawal penalty before age 591/2
- Adjust for the new 2025 tax laws for retirees from the One Big Beautiful Bill
- Plan for uncertainty around future tax law changes
- Handle RMDs and the dreaded Widow's Tax Trap

Inside, you'll find:
- 100+ realistic examples with detailed walkthroughs of both accumulation and drawdown tactics
- Clear explanations of early retirement distribution rules and advanced tax strategies
- Cody's Takes and Sean's Takes - two perspectives to sharpen your own judgment

Whether you're a do-it-yourself investor or a financial professional, this book equips you with the clarity and confidence to make informed tax planning decisions-without fear.