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 | Twice weekly |
|---|---|---|---|---|---|
| Issues | 19 | Subscribers | Read | philgaudiano.substack.com |
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Latest Issues
Recent posts by this newsletter. Browse the email archive.
Why a 20% Drop Feels Different After the Paychecks Stop
When you are 45, a market correction might feel inconvenient and remind you of risk. At 68, the same drop can bring up fear and vulnerability because your financial foundation suddenly feels exposed.
The Most Dangerous Years of Retirement Are the Quiet Ones
Retirement rarely begins with panic. More often, it begins with relief.
We Have $2 Million. Why Are We Still Worried?
The couple sitting across from me had $2.3 million saved for retirement.
Retirement Planning Isn't About Risk Tolerance. It's About Role Clarity.
A new client sits down for their first retirement planning meeting.
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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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