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 | 28 | Founded | 6 months ago | Last Issue | 12 days ago |
| Active | |||||
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philgaudiano.substack.comLatest Issues
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...
The Real Retirement Risk Is Not Running Out of Money. It's Losing Confidence to Use It.
For many retirees, the problem is not a lack of funds. It is feeling unsafe using what they have.
This is the retirement failure no one discusses. The financial industry obsesses over solvency, projections, simulations, withdrawal rates, a...
The Retirement Risk Nobody Warns You About
NOTE: This essay's home is at phil.cpa/the-retirement-risk-nobody-warns-you-about/, where The Pensioner's Paradox is published. You can subscribe to receive new essays directly at phil.cpa.
For decades, the financial industry has warned re...
Build the Floor First
There is a strange thing that happens when retirees know their essential bills are covered. It is not about returns, allocation, or total savings. It is behavioral, it is emotional, and it quietly produces important financial outcomes in re...
I've Seen Your Tax Return. Here's What Worries Me.
The Pensioner's Paradox now lives at phil.cpa. Subscribe to get new essays directly at phil.cpa/newsletter. Free, no spam, written by a CPA.
Every spring, I sit down with a stack of tax returns. My clients are mostly retirees or people wit...
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| Subscribers | Engagement | 75 | Monthly Web Visits | ||
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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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