The Pensioner's Paradox
Phil Gaudiano, CPAMore money doesn't buy more security in retirement. Exploring the psychology and tax strategy that actually does.
| Platform |  | Pricing | Only free issues | Publishes | Weekly |
|---|---|---|---|---|---|
| Issues | 32 | Founded | 7 months ago | Last Issue | 7 days ago |
| Active | |||||
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philgaudiano.substack.comLatest Issues
The IRA You Forgot You Funded
This piece first ran at phil.cpa. The Pensioner's Paradox now publishes there — subscribe at phil.cpa/newsletter to get new essays a few days before they land here.
Joe sat across from me, proud of his spreadsheet. He had mapped out...
Not All Annuities Are Trying to Do the Same Job
This piece first ran at phil.cpa. The Pensioner's Paradox now publishes there — subscribe at phil.cpa/newsletter to get new essays a few days before they land here.
People talk about fixed index annuities as if they’re a single prod...
Did I Retire at the Wrong Time?
Originally published at phil.cpa. Subscribe there for new pieces.
Eleanor asked me the question in March of 2023. She was 66 and had retired at the end of 2021, almost exactly at the market’s peak, though no one knew that at the time. Now,...
How to Actually Use Your Roth Window
A few months ago, I wrote about the most dangerous years of retirement, the quiet stretch between your last paycheck and your first Required Minimum Distribution. That piece made the case for why those years matter. This one is about what t...
You Might Own the Wrong Annuity
Rene came in with a folder. That’s usually a good sign. It means someone is organized, prepared, and taking this seriously. But as I started going through the documents she’d brought, something became clear within the first few minut...
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Authors
The writers behind this newsletter.
I'm a CPA who writes about retirement, taxes, and the psychology of having a secure retirement.
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