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 | 35 | Founded | 9 months ago | Last Issue | 14 days ago |
| Active | |||||
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Did We Wait Too Long?
Note: This essay first appeared on phil.cpa.
Richard slid a printout of my Roth window piece across the table before Joan had even sat down.
“We read this,” he said. “We’re 75 and 73. The window closed years ago, didn’t it?”
It’s...
What Nobody Tells You About IRMAA Until the Letter Arrives
This post was originally published on phil.cpa.
I haven’t published in a few weeks, and if you’ve been reading for a while, you probably noticed. The reason is simple: this month was packed with extended tax returns, and when you run a CPA...
I Didn't Know Losing Him Would Cost This Much
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.
Diane came to see me last winter, about fourteen months after Walte...
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...
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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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